Buyer Tools
Closing Cost Calculator Canada — Land Transfer Tax by Province
Calculate closing costs including provincial land transfer tax for Ontario, BC, Alberta, Quebec and all Canadian provinces. Includes first-time buyer rebates. Free tool.
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Frequently Asked Questions
What are typical closing costs in Canada?+
Typical Canadian closing costs range from 1.5% to 4% of the purchase price and include land transfer tax, legal fees ($1,200–$2,000), title insurance (~$350), home inspection (~$500), and appraisal (~$400). Land transfer tax is the largest variable and differs significantly by province.
How much is land transfer tax in Ontario?+
Ontario land transfer tax is calculated on a sliding scale: 0.5% on the first $55,000, 1% on $55,001–$250,000, 1.5% on $250,001–$400,000, 2% on $400,001–$2,000,000, and 2.5% above $2,000,000. Toronto buyers also pay a matching municipal land transfer tax on top of the provincial tax.
Do first-time home buyers get a land transfer tax rebate in Ontario?+
Yes. First-time buyers in Ontario receive a rebate of up to $4,000 on provincial land transfer tax, effectively eliminating the tax on homes up to approximately $368,000. Toronto first-time buyers also receive a matching municipal rebate of up to $4,475.
Is there land transfer tax in Alberta?+
No. Alberta does not have a provincial land transfer tax. Buyers pay a nominal title transfer fee of approximately $500. This makes Alberta one of the most affordable provinces for closing costs.