Ontario closing-cost calculator
Ontario and Toronto land transfer tax
Compare the provincial and Toronto municipal taxes, then see the Ontario refund and separate Toronto first-time buyer rebate clearly itemized.
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Your purchase
For a typical residential purchase closing under current rules.
Eligible first-time home buyerApply the Ontario refund and, for Toronto properties, the separate City rebate.
Why can Toronto rebates exceed $4,000?$4,000 Ontario refund + $4,475 Toronto rebate = up to $8,475
Toronto buyers may pay two separate land transfer taxes, so eligible first-time buyers may also qualify for two separate programs.
Estimated net land transfer tax
$32,950
After selected first-time buyer rebates
Ontario land transfer tax$16,475
Toronto municipal land transfer tax$16,475
Gross tax$32,950
Current-rate estimate verified August 11, 2026. Assumes a typical one- or two-family residential property. Non-resident speculation taxes, administration fees, unusual transfers and legal eligibility are not included.
Read the result carefully
Location and eligibility change the result.
- Toronto purchases may be subject to two taxes: Ontario land transfer tax and Toronto Municipal Land Transfer Tax.
- Eligible Toronto first-time buyers may receive up to $4,000 from Ontario plus a separate City of Toronto rebate of up to $4,475—a combined maximum of $8,475.
- First-time buyer rebate eligibility depends on legal criteria; selecting the option does not confirm eligibility.
- Foreign-buyer taxes, unusual transfers, multiple beneficial owners, commercial property and exemptions require legal review.