Canada · Land Transfer Tax
Ontario charges the largest land transfer tax bills in Canada outside British Columbia, and Toronto adds its own municipal tax on top, so an $800,000 Toronto condo pays roughly $16,400 in combined provincial and municipal tax versus about $12,475 in provincial tax outside the city. First time buyers can reclaim up to $4,000 of the provincial tax, which covers most of the bill on an entry-level condo. The 2.5% band above $2 million catches the luxury segment around Toronto's core.
Preset rates are indicative reference values only. Confirm current rates and any reliefs with your local tax authority.
Transfer tax / stamp duty: CA$12,475.00
Jurisdiction comparison at CA$800,000.00
Ontario pays CA$12,475.00 (1.56%) vs Ontario at CA$12,475.00 (1.56%).
0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2m, and 2.5% above — an $800k home pays about $12,475 in provincial tax. Bands below are the standard residential buyer schedule used by the calculator.
| Property value | Rate |
|---|---|
| CAD 0.00 – CAD 55,000.00 | 0.5% |
| CAD 55,000.00 – CAD 250,000.00 | CAD 275.00 + 1% above CAD 55,000.00 |
| CAD 250,000.00 – CAD 400,000.00 | CAD 2,225.00 + 1.5% above CAD 250,000.00 |
| CAD 400,000.00 – CAD 2,000,000.00 | CAD 4,475.00 + 2% above CAD 400,000.00 |
| CAD 2,000,000.00+ | CAD 36,475.00 + 2.5% above CAD 2,000,000.00 |
Indicative figures checked against official sources on — official source: Ontario Government — land transfer tax. Rates are typically indexed or revised each financial year.
A CAD 800,000.00 purchase in Ontario attracts about CAD 12,475.00 in land transfer tax at the standard indicative rates — an effective rate of 1.56%. Teranet land registration fees are about $60–$70 plus title insurance. That makes the all-in cash requirement CAD 812,475.00 before you factor in any deposit, legal work, or moving costs. Adjust the price in the calculator to model your own number.
0.5% to $55,000, 1% to $250,000, 1.5% to $400,000, 2% to $2m, and 2.5% above — an $800k home pays about $12,475 in provincial tax. Rates change with legislation and vary by buyer circumstances, so treat these as planning figures and confirm the current rate with Ontario Government — land transfer tax before you commit.
At the indicative rates above, a CAD 800,000.00 property attracts about CAD 12,475.00 in land transfer tax — an effective rate of 1.56%. Teranet land registration fees are about $60–$70 plus title insurance. The calculator above lets you change the price and see the result instantly.
First-time buyers: refund up to $4,000 of the provincial tax. Eligibility rules change frequently and vary by buyer type, so verify your situation with Ontario Government — land transfer tax or a conveyancer.
The buyer normally pays the land transfer tax in Ontario — in full, before or at settlement — and it usually cannot be added to the mortgage, so it must be part of your cash budget alongside the deposit. Purchase contracts can reassign the obligation, so confirm what yours says.
How we calculate: the calculator applies the official band schedule marginally — each rate applies only to the slice of the price inside its band, exactly as the revenue authority does. Worked examples are computed with the same function.
Last reviewed: . Learn more about Nirmal Lashkari and LashkariProperties.
Disclaimer: land transfer tax rates change with legislation and vary by buyer circumstances. These are indicative planning figures, not tax advice — confirm every number with Ontario Government — land transfer tax or a qualified local professional.
