Guelph Land Transfer Tax Calculator 2025

Guelph LTT Calculator

Home Purchase Price ($)

Area

First-Time Home Buyer?

Yes — apply Ontario FTB rebate (up to $4,000)

Purchase Price

Ontario LTT (before rebate)

Net LTT Payable

Note: Guelph and Wellington County do not charge a municipal land transfer tax — only Ontario's provincial LTT applies at closing.

LTT at Common Guelph Price Points

Does Guelph Have a Municipal Land Transfer Tax?

No — the City of Guelph does not charge a municipal land transfer tax. Only the Ontario provincial LTT applies when you purchase a home in Guelph. This is the same across all of Wellington County. By contrast, Toronto charges both provincial and city LTT, significantly increasing closing costs for Toronto buyers.

Purchase Price	Ontario LTT	After FTB Rebate	Typical Property
$500,000	$6,475	$2,475	East Guelph townhome
$700,000	$10,475	$6,475	South Guelph detached
$850,000	$13,475	$9,475	Downtown heritage home
$1,000,000	$16,475	$12,475	Kortright Hills premium
$550,000	$7,475	$3,475	Fergus/Elora detached

This means a buyer purchasing a $700,000 Guelph home pays $10,475 in LTT (before any rebate), compared to approximately $20,950 for a comparable Toronto home — a $10,475 advantage to buying in Guelph rather than Toronto.

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Frequently Asked Questions

Does Guelph have a land transfer tax?

Guelph homebuyers pay Ontario's provincial land transfer tax only — there is no Guelph municipal LTT. This applies across all of Wellington County including Fergus, Elora, and rural areas. The Ontario LTT rates range from 0.5% to 2.5% depending on price, and first-time buyers can claim a rebate of up to $4,000.

How much is land transfer tax on a $700,000 Guelph home?

Ontario LTT on a $700,000 Guelph home is $10,475. First-time buyers can apply a rebate of $4,000, reducing it to $6,475 net payable. Use the calculator above for your specific purchase price.

When do I pay land transfer tax in Guelph?

Land transfer tax is paid at closing — the day you take title to the property. Your real estate lawyer calculates and remits the tax on your behalf. It is due on the same day as the final mortgage payout and title transfer. Budget for it as part of your total closing costs, which typically run 1.5–4% of the purchase price in Ontario.