Ontario land transfer tax · 2026
Know your land transfer tax before you sign.
Land transfer tax is often the biggest closing cost after the down payment, and in Toronto you pay it twice. Enter the price to see the provincial and municipal tax, with first-time buyer rebates applied.
0.5–2.5%Ontario marginal rates
$4,000Max Ontario first-time rebate
2×Toronto buyers pay provincial + municipal
$4,475Max Toronto first-time rebate
Common prices at a glance
Residential, before rebates| Price | Ontario LTT | Toronto MLTT | Toronto total |
|---|---|---|---|
| $500,000 | $6,475 | $6,475 | $12,950 |
| $600,000 | $8,475 | $8,475 | $16,950 |
| $750,000 | $11,475 | $11,475 | $22,950 |
| $800,000 | $12,475 | $12,475 | $24,950 |
| $1,000,000 | $16,475 | $16,475 | $32,950 |
| $1,500,000 | $26,475 | $26,475 | $52,950 |
Quick answers
How much is land transfer tax on an $800,000 home in Ontario?
$12,475 outside Toronto. In Toronto, add the same amount again in municipal tax, for $24,950 before any first-time buyer rebates.
When do you pay land transfer tax in Ontario?
On closing day. Your real estate lawyer collects it from you and pays it when the transfer is registered.
Can land transfer tax be added to your mortgage?
Generally no. It's a closing cost you pay in cash, separate from your down payment.