Estimate Ontario land transfer tax and Toronto’s additional municipal tax. Compare property types and eligible first-time buyer ownership shares.
Ontario purchase · rates checked October 3, 2026
Estimate for current transfers. Rebates require eligibility, including age, previous ownership, spouse, residency and occupancy conditions. Other-property rebates are not applied. Excludes non-resident speculation taxes, administration fees, legal fees and special exemptions. Confirm the amount with your lawyer.
Toronto, including Etobicoke, charges municipal land transfer tax in addition to Ontario’s provincial tax. Choose Elsewhere in Ontario for Oakville, Brampton, Vaughan or Caledon.
The higher-value residential brackets apply to properties containing one or two single-family residences. Other properties use a different upper bracket. Confirm the classification and taxable consideration with your lawyer.
Select a rebate share only after confirming eligibility. The tool applies Ontario and Toronto rebate caps in proportion to the selected eligible ownership share; it does not determine whether you qualify.
For a property containing one or two single-family residences, before rebates: Ontario tax is $6,475. Toronto adds $6,475, giving a combined $12,950. Elsewhere in Ontario, the municipal component in this tool is zero.
For the same $500,000 Toronto purchase, selecting 100% eligible ownership applies a $4,000 Ontario rebate and a $4,475 Toronto rebate, giving an estimated $4,475 total. Elsewhere in Ontario, the example is $2,475 after the Ontario rebate.
No. Each rate applies only to the portion of taxable consideration within that bracket. The calculator adds those portions together.
No. It excludes non-resident speculation taxes, municipal administration fees, legal fees and special exemptions. It is not a complete closing-cost estimate.
The residential schedule includes Toronto’s high-value rates effective April 1, 2026. Rates and sources were checked October 3, 2026. Confirm the rules applicable to your transaction date.
Official references: Ontario tax rates ↗ · Ontario first-time buyer rebates ↗ · Toronto rates and fees ↗ · Toronto rebate requirements ↗
For purchase planning, also try the mortgage payment calculator.
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