Toronto land transfer tax calculator

Stack Ontario tax and Toronto MLTT in the same closing-cost frame.

Toronto buyers need a different page because the municipal layer is large enough to change the total cash needed to close. This route shows the provincial tax, Toronto MLTT, both rebate layers, and optional foreign-buyer surtax lines.

Uses Toronto’s MLTT rates effective April 1, 2026.
Separates provincial and municipal rebates for first-time buyers.
Includes optional Ontario NRST and Toronto MNRST line items for foreign-buyer planning.
Inputs
Toronto closing-tax details
These routes are intentionally split so Ontario and Toronto can be indexed independently.

Adds Ontario NRST and Toronto MNRST line items.

Results
Estimated transfer-tax total
Toronto buyers may owe both provincial and municipal land transfer tax.

Total transfer tax

$30,950

Combined from all applicable lines below

Ontario tax

$15,475

No rebate applied

Toronto MLTT

$15,475

Municipal portion after rebate

Surtax lines

$0

Not applied

Ontario land transfer tax
$15,475
Toronto municipal land transfer tax
$15,475
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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.
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Assumptions
How this version behaves
The inputs are flexible, but the rules are intentionally explicit so the outputs stay interpretable.
Toronto MLTT varies by property class at higher values, so the page exposes that choice directly.
This route assumes a residential purchase and is intended as a budgeting estimate.
The result combines Ontario and Toronto taxes because that is how buyers actually experience the closing burden.
Related
Keep the workflow moving
These companion calculators answer the next question buyers usually ask.

Mortgage math

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Budget guardrails

Affordability

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

Closing costs

Ontario Land Transfer Tax

Calculate Ontario land transfer tax and first-time-buyer rebate before you close.

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.