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Ontario charges a provincial land transfer tax on every home purchase, and the City of Toronto charges its own municipal tax on top. Enter the price and the calculator applies the official brackets — including the graduated Toronto rates introduced April 1, 2026 — and deducts the first-time buyer refunds where they apply.
Ontario brackets verified 2026-10-07 from ontario.ca; Toronto brackets verified 2026-10-07 from toronto.ca (By-law 132-2026 rates). Assumes a residential property with one or two single-family residences. Estimates only — not legal or tax advice.
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This land transfer tax estimate is generic — a real pre-approval conversation covers rates, GDS ratios and the programs you qualify for. Ask directly; we reply within 24 hours.
Per ontario.ca: 0.5% up to and including $55,000; 1% to $250,000; 1.5% to $400,000; 2% to $2,000,000; and 2.5% above $2,000,000 for properties containing one or two single-family residences.
Yes. The City of Toronto charges its own municipal land transfer tax in addition to the provincial tax. Since April 1, 2026, high-value residential properties carry graduated municipal rates up to 8.6% above $20M (City of Toronto By-law 132-2026).
Ontario refunds all tax on the first $368,000 of an eligible home (max $4,000). Toronto rebates up to $4,475 — a full municipal rebate on homes up to $400,000.
Both programs require the purchaser (and spouse) to have never owned a home anywhere in the world, to be at least 18, to occupy the home within nine months, and to be a Canadian citizen or permanent resident.
No — estimates only. Bracket sources and as-of dates are printed on the tool itself; your lawyer calculates the final tax at closing.