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Toronto Land Transfer Tax Calculator

Estimate Toronto total land transfer tax, including both the Ontario provincial LTT and the Toronto municipal LTT. Toronto is the only city in Ontario that charges its own land transfer tax on top of the provincial one, effectively doubling closing costs for property purchases within city limits. On a $1,000,000 home, the combined LTT is approximately $32,200.

Regional Rule Context

JurisdictionCanada
CurrencyCA$ (CAD)
Effective fromJan 1, 2025
Version1.0
Last reviewedMar 1, 2026
Next reviewJul 1, 2026
Source: City of Toronto, Ontario Ministry of Finance

Canada Rates and Rules

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Estimate Toronto total land transfer tax, including both the Ontario provincial LTT and the Toronto municipal LTT.

Disclaimer: This calculator uses publicly available rules effective as of Jan 1, 2025 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Mar 1, 2026.

Formula

Total = Ontario LTT + Toronto municipal LTT

Toronto buyers pay two separate land transfer taxes calculated independently: the Ontario provincial schedule and the Toronto municipal schedule with its own bracket rates. Both are progressive and apply simultaneously, roughly doubling the total compared to buying elsewhere in Ontario.

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