5 provinces and territories have $0 land transfer tax. See how much you save buying a home in Alberta, Saskatchewan, Yukon, NWT, or Nunavut vs. Ontario or BC.
No provincial LTT
No provincial LTT
No territorial LTT
No territorial LTT
No territorial LTT
Provincial LTT
Property Transfer Tax
Welcome Tax
Land Transfer Tax
As of 2026, five Canadian jurisdictions charge no land transfer tax on residential home purchases: Alberta, Saskatchewan, Yukon, the Northwest Territories, and Nunavut. Buyers in these provinces and territories pay only a modest land title registration fee at closing — typically a few hundred dollars — rather than thousands in transfer taxes.
Alberta is the most economically significant of these jurisdictions. With Calgary and Edmonton among Canada's fastest-growing cities, Alberta's LTT-free status is a major draw for homebuyers. A $600,000 Calgary home costs $0 in provincial LTT, compared to $8,475 in Ontario and $8,000 in BC for the same purchase price. Alberta charges a land title transfer fee on a per-$5,000-of-value basis, but the total typically runs $500–$1,000 for most residential purchases.
Saskatchewan similarly charges no provincial LTT. Regina and Saskatoon offer affordable housing and $0 transfer tax. A $400,000 Regina home attracts no LTT — buyers pay only a title transfer fee and legal costs. Saskatchewan homes are among the most affordable in Canada, and the absence of LTT keeps closing costs low.
The three northern territories — Yukon, Northwest Territories, and Nunavut — also charge no territorial land transfer tax. While these jurisdictions have smaller populations and unique challenges (remote locations, higher construction costs, specialized mortgage requirements), the financial benefit of $0 LTT is genuine and meaningful for buyers in Whitehorse, Yellowknife, and Iqaluit.
By contrast, Ontario charges LTT on a progressive bracket system reaching 2.5% on amounts over $2 million, with Toronto adding an identical municipal LTT on top. BC's Property Transfer Tax starts at 1% on the first $200,000, then 2% up to $2 million, and 3% above that. Quebec's "welcome tax" (Droits de mutation) operates on a similar bracket system. Manitoba charges LTT from 0.5% to 2% based on purchase price.
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Claim $100 Bonus →| Province/Territory | LTT on $500K Home | Title Reg. Fee | Total Transfer Cost |
|---|---|---|---|
| Alberta | $0 | ~$650 | ~$650 |
| Saskatchewan | $0 | ~$500 | ~$500 |
| Yukon | $0 | ~$500 | ~$500 |
| NWT | $0 | ~$500 | ~$500 |
| Nunavut | $0 | ~$550 | ~$550 |
| Ontario (ex-Toronto) | $6,475 | Included | $6,475 |
| Toronto, ON | $12,950 | Included | $12,950 |
| British Columbia | $8,000 | Included | $8,000 |