Ontario land transfer tax calculator

Price the provincial closing tax before it surprises the down payment plan.

Ontario land transfer tax is one of the easiest closing costs to underestimate because it is lump-sum and immediate. This page isolates the provincial piece and applies first-time-buyer relief when selected.

Uses Ontario’s current marginal land transfer tax brackets.
Applies the provincial first-time-buyer rebate up to the current maximum.
Keeps the tax math separate from Toronto’s municipal layer for cleaner SEO and cleaner user intent.
Inputs
Ontario closing-tax details
These routes are intentionally split so Ontario and Toronto can be indexed independently.

Adds Ontario NRST line item.

Results
Estimated transfer-tax total
Ontario first-time-buyer relief is applied when selected.

Total transfer tax

$11,475

Combined from all applicable lines below

Ontario tax

$11,475

No rebate applied

First-time rebate

$0

Ontario first-time-buyer relief

Surtax lines

$0

Not applied

Ontario land transfer tax
$11,475
Share
Share this result
Copy the short result summary or the direct page link.
Next move
Connect closing costs back to monthly math
The tax total is usually the missing piece between a pre-approval and the true cash needed to close.
Run mortgage paymentCheck affordability
Next step
Send this result to your team inbox
Optional. Save this scenario and send it to the central inbox for follow-up.
Assumptions
How this version behaves
The inputs are flexible, but the rules are intentionally explicit so the outputs stay interpretable.
This page covers the Ontario provincial tax only.
Foreign-buyer handling shows the Ontario NRST as a separate line when selected.
The calculation is intended for planning and not as a substitute for legal closing statements.
Related
Keep the workflow moving
These companion calculators answer the next question buyers usually ask.

Mortgage math

Mortgage Payment

Estimate mortgage payments, insurance, and monthly carrying costs using Canadian mortgage math.

Budget guardrails

Affordability

See how much home you can support using GDS, TDS, down payment, and the stress test.

Toronto-specific

Toronto Land Transfer Tax

Add Ontario LTT and Toronto MLTT together, including first-time-buyer rebates and surtax lines.

FAQ
What buyers usually ask next
This content is there to make each calculator page useful as a landing page, not just a widget shell.