Title Registration and Land Transfer Tax Calculator
Alberta and Saskatchewan charge land titles registration fees; Ontario, BC, Quebec, Manitoba and the Atlantic provinces charge a land transfer tax. Pick your province and see each line.
An $850,000 Toronto purchase pays about $27,065.89 at closing: Ontario's land transfer tax plus Toronto's municipal land transfer tax and its administration fee. In Alberta, the same price would only pay land titles registration fees on the transfer and the mortgage, because Alberta has no land transfer tax.
Figures as of 2026-10-01.Land transfer tax calculator
Rules as of
- Ontario land transfer tax
- $13,475.00
- Toronto municipal land transfer tax
- $13,475.00
- Toronto MLTT administration fee (102.56 + 13% HST)
- $115.89
- Effective rate
- 3.18%
Total at closing: $27,065.89
| Slice | Rate | Tax |
|---|---|---|
| Ontario land transfer tax: $0–$55,000 | 0.50% | $275.00 |
| Ontario land transfer tax: $55,000–$250,000 | 1.00% | $1,950.00 |
| Ontario land transfer tax: $250,000–$400,000 | 1.50% | $2,250.00 |
| Ontario land transfer tax: $400,000–$850,000 | 2.00% | $9,000.00 |
| Toronto municipal land transfer tax: $0–$55,000 | 0.50% | $275.00 |
| Toronto municipal land transfer tax: $55,000–$250,000 | 1.00% | $1,950.00 |
| Toronto municipal land transfer tax: $250,000–$400,000 | 1.50% | $2,250.00 |
| Toronto municipal land transfer tax: $400,000–$850,000 | 2.00% | $9,000.00 |
Assumptions & sources
Assumptions
- Engine: MITEY calc engines, tool “land-transfer-tax”, rules as of 2026-10-01.
- This question's home in the MITEY network is landtransfercalculator.com.
- Estimates for education, not advice. Confirm with your lender, lawyer or the agency named in the sources.
Sources
- Government of Ontario — Land transfer tax: calculating land transfer tax (effective April 22, 2026). Checked .
- Government of Ontario — Land transfer tax refunds for first-time homebuyers (effective February 10, 2026). Checked .
- City of Toronto — Municipal Land Transfer Tax (MLTT) rates and fees (effective April 7, 2026). Checked .
- City of Toronto — MLTT rebate opportunities (first-time purchasers) (effective December 18, 2025). Checked .
- Government of British Columbia — Property transfer tax (effective December 3, 2025). Checked .
- Government of British Columbia — First time home buyers' program (effective June 20, 2025). Checked .
- Government of British Columbia — Newly built home exemption (effective January 6, 2026). Checked .
- LégisQuébec — Act respecting duties on transfers of immovables, CQLR c. D-15.1, s. 2 (effective October 15, 2026). Checked .
- Ville de Montréal — How property transfer duties are calculated (effective January 12, 2026). Checked .
- Government of Manitoba — Land transfer tax. Checked .
- Government of New Brunswick — Real Property Transfer Tax Act, s. 2(1.03) (effective April 1, 2016). Checked .
- Service Nova Scotia — Municipal deed transfer tax rates (July 2026) (effective July 1, 2026). Checked .
- Government of Prince Edward Island — Real Property Transfer Tax Act (effective May 29, 2026). Checked .
- Government of Newfoundland and Labrador — Schedule of fees — Registry of Deeds (effective May 1, 2007). Checked .
- Government of Alberta — Land Titles and Surveys common documents fee schedule (effective October 1, 2026) (effective October 1, 2026). Checked .
- Saskatchewan Registry Services (ISC) — Land titles fees table (April 2026) (effective April 15, 2026). Checked .
Your saved scenarios
Saved in this browser only. Nothing is sent to us.
| Province | Ontario |
|---|---|
| City | Toronto |
| Purchase price | $850,000 |
| Mortgage amount (fee provinces) | $680,000 |
| Ontario land transfer tax | $13,475.00 |
| Toronto municipal land transfer tax | $13,475.00 |
| Toronto MLTT administration fee (102.56 + 13% HST) | $115.89 |
| Effective rate | 3.18% |
| Total at closing | $27,065.89 |
Open this example in the calculator →Computed 2026-10-01.
Fees and brackets change on fixed dates, so the calculator picks the rules in force on the date you enter, not today's.
What this means for you
- In Alberta and Saskatchewan the mortgage registration is a separate fee from the title transfer; both are in the total.
- In Toronto you pay two taxes, provincial and municipal; first-time buyers get a refund on each, up to a limit.
Go deeper on a MITEY specialist site
Frequently asked questions
How much is title registration in Alberta?
Alberta Land Titles charges a base fee plus a fee for every $5,000 of value, once on the transfer of land (based on the property value) and once on the mortgage (based on the mortgage amount). Choose Alberta in the calculator to see both lines at the current fee schedule.
Who pays land transfer tax?
The buyer pays it at closing, through their lawyer or notary. It cannot be added to the mortgage.
Is there a first-time buyer exemption?
Ontario, Toronto, British Columbia and Prince Edward Island have first-time buyer relief, each with its own price limits. Tick first-time buyer to apply it.
Prefer the phone? Call +1 587-415-7110