How much are closing costs in Toronto in 2026?

Closing costs in Toronto typically range from 1.5% to 4% of the purchase price. This includes Ontario land transfer tax, Toronto municipal land transfer tax, legal fees ($1,500–$2,500), title insurance ($300–$500), and PST on CMHC insurance if applicable.

Do first-time home buyers get a land transfer tax rebate in Toronto?

Yes. First-time home buyers in Ontario can receive up to $4,000 back on the Ontario land transfer tax. In Toronto, there's an additional municipal rebate of up to $4,475. Combined, first-time buyers can save up to $8,475 on land transfer taxes.

Closing Cost Specialists · Ontario

Closing Cost Calculator
Guelph, Ontario

Buying a home in Guelph? Don't be surprised by closing costs. Our calculator estimates every fee — land transfer tax, legal fees, title insurance, and more — specific to Guelph, Ontario. Covers Ontario provincial fees applicable to Guelph.

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Key Facts · Guelph

2–4%

Typical closing cost range

Ontario LTT0.5%–2.0%

Legal fees$1,500–$2,500

Title insurance$300–$500

FTB LTT rebateUp to $4,000

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Closing Cost Calculator — Guelph, Ontario

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FAQ

Closing Cost Calculator in Guelph — Frequently Asked Questions

What are typical closing costs in Guelph, Ontario?

Closing costs in Guelph typically range from 1.5% to 4% of the purchase price. They include land transfer tax, legal fees ($1,500–$2,500), title insurance ($300–$500), and home inspection fees. Guelph residents pay Ontario provincial land transfer tax only (no municipal LTT).

Do I need to pay land transfer tax in Guelph?

Guelph residents pay Ontario provincial land transfer tax only (no municipal LTT). First-time home buyers may qualify for rebates of up to $4,000 on provincial LTT.

How much should I budget for closing costs in Guelph?

Budget 2–4% of your purchase price for closing costs in Guelph. On a $600,000 home, expect $12,000–$24,000 in closing costs. Use our calculator for an exact Guelph estimate including all fees and taxes.