2026 Ontario LTT Calculator — Free Instant Estimate
Use KOHO to manage your down payment and closing costs. New members get a $100 cash bonus with referral code:
Aylmer is a small town in Elgin County, southeastern Ontario, known as the centre of Ontario's tobacco-growing region historically. Today Aylmer serves as a residential community for commuters to St. Thomas and London, offering some of Ontario's most affordable housing. Average prices range from $390,000 to $490,000.
Aylmer's Mennonite community adds unique cultural character and local market traditions. The town's affordability, combined with proximity to St. Thomas and the growing Volkswagen battery plant employment base, makes it an interesting option for buyers.
Aylmer falls within Elgin County and pays only the Ontario provincial LTT. On a $440,000 purchase, the total LTT is approximately $5,200 — one of the lower totals you'll see in Ontario.
| Purchase Price | Ontario LTT | After FTB Rebate |
|---|---|---|
| $350,000 | $4,075 | $75 |
| $450,000 | $5,475 | $1,475 |
| $390,000 | $5,450 | $1,450 |
| $700,000 | $8,475 | $4,475 |
| $900,000 | $13,475 | $9,475 |
Ontario's land transfer tax uses a tiered bracket system. Unlike Toronto, Aylmer buyers pay only the provincial tax — there is no municipal land transfer tax here.
| Purchase Price Range | Tax Rate | Marginal Tax on Range |
|---|---|---|
| First $55,000 | 0.5% | Up to $275 |
| $55,001 – $250,000 | 1.0% | Up to $1,950 |
| $250,001 – $400,000 | 1.5% | Up to $2,250 |
| $400,001 – $2,000,000 | 2.0% | Up to $32,000 |
| Over $2,000,000 | 2.5% | On amount above $2M |
For the full Ontario LTT guide, visit our Ontario Land Transfer Tax page.
First-time buyers in Aylmer can receive a rebate of up to $4,000 on their Ontario LTT. This rebate is automatically applied at closing by your real estate lawyer — no separate application is required.
Aylmer real estate offers considerable value compared to the Greater Toronto Area, where the average home exceeds $1 million and buyers also pay the Toronto Municipal Land Transfer Tax (MLTT) on top of the provincial tax. Southwestern Ontario's affordability is one of its strongest draws.
Average prices fluctuate with market conditions. Always consult a local REALTOR® for current data. Our calculator uses up-to-date Ontario LTT brackets regardless of the price you enter.
Southwestern Ontario's housing market offers dramatic savings versus the GTA. Consider a $600,000 home in Aylmer versus a $1,100,000 home in Toronto:
| Cost | Aylmer ($600,000) | Toronto ($1,100,000) |
|---|---|---|
| Ontario LTT | $6,750 | $16,475 |
| Toronto MLTT | $0 | ~$16,475 |
| Total LTT | $6,750 | ~$32,950 |
| Purchase Price Savings | $500,000 less in Aylmer | |
The absence of a municipal land transfer tax in Aylmer means buyers save over $16,000 in LTT alone versus Toronto — on top of the lower purchase price.
Learn more about Ontario's land transfer tax system on our comprehensive Ontario LTT guide.
No. Only Toronto levies a municipal LTT in Ontario. Buyers in Aylmer pay only the provincial Ontario LTT, calculated on the purchase price using the bracket system above.
The LTT is paid on the closing date when title transfers to you. Your real estate lawyer handles the calculation and remittance to the province on your behalf.
No. Land transfer tax must be paid in cash at closing and cannot be added to your mortgage. Budget for it alongside your down payment, legal fees, and home inspection costs.
Yes, outside Toronto the provincial rate applies uniformly. The same bracket system applies whether you buy in Aylmer, Ottawa, or Sudbury.
Beyond the LTT, plan for legal fees ($1,500–$2,500), title insurance ($250–$400), home inspection ($400–$600), and any adjustments for prepaid taxes or utilities.
Open a KOHO account to organize your closing costs. Referral code 45ET55JSYA unlocks a $100 cash bonus.
Get $100 with KOHO →