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How much Ontario Land Transfer Tax do you pay buying a Haliburton Highlands cottage? Calculate your LTT and understand what rebates apply.
Haliburton Highlands Cottage Purchases LTT CalculatorHaliburton County is cottage country on a budget — more remote and generally more affordable than Muskoka, with cottage prices ranging from under $300,000 on smaller inland lakes to $700,000+ for premium waterfront. All Ontario real estate purchases, including Haliburton cottages, are subject to Ontario Land Transfer Tax.
| Purchase Price Range | Tax Rate |
|---|---|
| First $55,000 | 00.5% |
| $55,001 – $250,000 | 1.00% |
| $250,001 – $400,000 | 1.5% |
| $400,001 – $2,000,000 | 2.00% |
| Over $2,000,000 | 2.5% |
| Purchase Price | Ontario LTT | FTB Rebate (cottage) | Total LTT Owed |
|---|---|---|---|
| $250,000 | $2,475 | N/A | $2,475 |
| $400,000 | $4,475 | N/A | $4,475 |
| $500,000 | $6,475 | N/A | $6,475 |
| $650,000 | $9,475 | N/A | $9,475 |
| $800,000 | $12,475 | N/A | $12,475 |
Ontario's First-Time Home Buyer (FTB) LTT rebate provides up to $4,000 in tax relief. To qualify, the buyer must never have owned a home anywhere in the world, and the property must become their principal residence. For the vast majority of Haliburton cottage buyers:
If the Haliburton cottage will be your primary and only home — for example, if you're retiring there permanently — speak with your real estate lawyer about potential FTB eligibility.
| Closing Cost | Typical Range |
|---|---|
| Ontario LTT | Use calculator above |
| Legal fees | $1,200 – $2,500 |
| Title insurance | $250 – $500 |
| Home/cottage inspection | $400 – $700 |
| Septic inspection | $300 – $500 |
| Well water test | $100 – $300 |
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Get KOHO Free — Use Code BREMO2026No. Haliburton County does not levy a municipal Land Transfer Tax. Only Ontario provincial LTT applies. (Municipal LTT is currently only imposed in Toronto.)
LTT is due at closing. Your real estate lawyer collects and remits the tax on your behalf as part of the closing process.
Yes. Once you've owned any residential property in Canada, you no longer qualify as a first-time buyer for LTT purposes — even if the cottage was purchased before a city home. Consult your lawyer before assuming FTB status.
This is general information only and not legal or tax advice. Consult a real estate lawyer and accountant for your specific situation. Rates correct as of 2025.