Land transfer tax
How much land transfer tax will you pay?
Ontario charges land transfer tax on every purchase. First time buyers get up to $4,000 back. Durham has no city tax on top; Toronto does, and the switch below shows it for comparison.
You have never owned a home anywhere, and you will live in this one.
Durham has no city land transfer tax. Toronto adds its own.
Land transfer tax to pay
$14,475
| Ontario land transfer tax | $11,475 |
|---|---|
| Toronto land transfer tax | $11,475 |
| First time buyer refund | -$8,475 |
How it adds up
| $0 to $55,000 at 0.5% | $275 |
|---|---|
| $55,000 to $250,000 at 1% | $1,950 |
| $250,000 to $400,000 at 1.5% | $2,250 |
| $400,000 to $750,000 at 2% | $7,000 |
| Ontario land transfer tax | $11,475 |
| $0 to $55,000 at 0.5% | $275 |
|---|---|
| $55,000 to $250,000 at 1% | $1,950 |
| $250,000 to $400,000 at 1.5% | $2,250 |
| $400,000 to $750,000 at 2% | $7,000 |
| Toronto land transfer tax | $11,475 |
The refund is for Canadian citizens and permanent residents who have never owned a home anywhere and move in within nine months. Your lawyer claims it when the deal closes.
An estimate to plan with, not advice. Your lender, lawyer and accountant have the final word.
Rates and rules last checked October 19, 2026.
Where the rules come from
- Ontario Ministry of Finance, ontario.ca/document/land-transfer-tax, checked 2026-10-19.
- City of Toronto, toronto.ca municipal land transfer tax rates and rebates, checked 2026-10-19.
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