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Toronto Municipal Land Transfer Tax Calculator

Illustrate Toronto and Ontario residential land transfer tax, including Toronto’s April 2026 high-value brackets. Check official eligibility and excluded charges.

Toronto municipal tax is separate from Ontario provincial tax. The calculator combines their residential marginal brackets for one or two single-family residences. Toronto’s high-value rates changed on April 1, 2026.

Read the City’s current rates and fees.

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Scope and exclusions

This illustration does not include provincial or municipal non-resident speculation taxes, administration fees, registration fees or special-transfer treatment. Selecting first-time buyer rebates assumes every purchaser meets both authorities’ conditions; it does not determine eligibility or partial ownership.

For a $3.5 million ordinary residential purchase without rebates, the Toronto bracket calculation is $83,475 and the Ontario bracket calculation is $73,975, for $157,450 before excluded charges. This is an arithmetic example, not a closing statement.

Find the official calculation or fee schedule

For a jurisdiction not covered above, obtain the current schedule from its land registry or responsible tax authority and check municipal charges separately. A provincial transfer-tax estimate is not a complete list of closing costs.

Methodology

Applies the residential municipal brackets effective April 1, 2026 and Ontario residential brackets. Conditional rebates assume full eligibility. Non-resident taxes and fees are excluded.