How much is land transfer tax in Ontario for 2026?

Ontario land transfer tax is calculated on a sliding scale: 0.5% on the first $55,000; 1.0% on $55,001–$250,000; 1.5% on $250,001–$400,000; 2.0% on $400,001–$2,000,000; and 2.5% on amounts above $2,000,000. On a $900,000 purchase, Ontario LTT is approximately $13,475 (before any first-time buyer rebate).

How much is the Toronto land transfer tax (MLTT) in 2026?

Toronto's Municipal Land Transfer Tax (MLTT) uses a bracket structure similar to Ontario's: 0.5% on the first $55,000; 1.0% on $55,001–$400,000; 2.0% on $400,001–$2,000,000; and 2.5% above $2,000,000. Toronto buyers pay both the Ontario LTT and the Toronto MLTT, making Toronto one of the most expensive cities for land transfer taxes in Canada.

What is the first-time home buyer land transfer tax rebate in Ontario?

First-time home buyers in Ontario are eligible for a rebate of up to $4,000 on the Ontario provincial land transfer tax. If buying in Toronto, an additional municipal rebate of up to $4,475 is available, for a combined maximum savings of $8,475. To qualify, you must never have owned a home anywhere in the world.

Do I pay both Ontario and Toronto land transfer tax when buying in Toronto?

Yes — Toronto is the only city in Ontario with its own municipal land transfer tax. Buyers of properties within Toronto city limits pay both the Ontario provincial LTT and the Toronto MLTT. Outside Toronto (e.g., Mississauga, Brampton, Ottawa), only the Ontario provincial LTT applies.

What is the Non-Resident Speculation Tax (NRST) in Ontario?

Ontario's Non-Resident Speculation Tax (NRST) is a 25% tax on the purchase price for foreign nationals and certain foreign entities buying residential property in Ontario. Canadian citizens, permanent residents, and refugees are exempt. Some provincial nominee program holders may also qualify for an exemption or rebate.

Who pays land transfer tax — the buyer or the seller — in Ontario?

In Ontario, land transfer tax is paid by the buyer, not the seller. It is due at closing (on the date of possession) and is typically collected by your real estate lawyer as part of the closing statement. It cannot be added to your mortgage — it must be paid in cash at closing.

Is land transfer tax deductible in Canada?

Land transfer tax is generally not tax-deductible for personal-use properties in Canada. However, if the property is an income-producing rental or investment property, the LTT may be added to the adjusted cost base (ACB) of the property, which can reduce capital gains when you sell.

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Calculate your exact land transfer tax for a property purchase in Hamilton, Ontario. Hamilton buyers pay Ontario provincial land transfer tax only. See if you qualify for first-time buyer rebates.

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LTT on $600K home~$8,475

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Land Transfer Tax Calculator — Hamilton, Ontario

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FAQ

Land Transfer Tax Calculator in Hamilton — Frequently Asked Questions

How is land transfer tax calculated in Hamilton?

Hamilton residents pay Ontario provincial land transfer tax only (no municipal LTT). Ontario's provincial LTT rates are: 0.5% on the first $55,000, 1% on $55,001–$250,000, 1.5% on $250,001–$400,000, and 2% on amounts over $400,000.

Is there a first-time buyer LTT rebate in Hamilton?

Yes. First-time home buyers in Hamilton can claim up to $4,000 in Ontario provincial LTT rebate, which covers the full LTT on homes up to $368,333.

Does Hamilton have municipal land transfer tax?

No. Hamilton does not charge a municipal land transfer tax. Only Toronto has a separate municipal LTT. Buyers in Hamilton pay only the Ontario provincial land transfer tax.

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