2026 Ontario LTT Calculator · First-Time Buyer Rebate · Brant County
Buying in Brantford means you pay only Ontario's provincial land transfer tax — there is no Toronto Municipal Land Transfer Tax (MLTT) here. At the Brantford median of $560,000, a buyer in Toronto would pay approximately $15,350 in combined LTT, while a Brantford buyer pays just $7,675 — a saving of $7,675.
| Portion of Purchase Price | Tax Rate | Max Tax in Bracket |
|---|---|---|
| First $55,000 | 0.5% | $275 |
| $55,001 – $250,000 | 1.0% | $1,950 |
| $250,001 – $400,000 | 1.5% | $2,250 |
| $400,001 – $2,000,000 | 2.0% | $32,000 |
| Above $2,000,000 | 2.5% | Unlimited |
Ontario LTT uses a marginal bracket system — only the portion within each bracket is taxed at that rate. For a full explanation, visit our Ontario Land Transfer Tax guide.
Ontario's First-Time Homebuyer Land Transfer Tax Rebate can save you up to $4,000 on your Ontario LTT bill.
Brantford is a hotspot for first-time buyers seeking detached homes under $600,000. At the median of $560,000, a first-time buyer pays Ontario LTT of $7,975, receives the $4,000 rebate, and owes a net $3,975 at closing.
Brantford is in Brant County — no Toronto MLTT applies. A $560,000 purchase in Toronto would cost $15,950 in combined LTT, versus just $7,975 in Brantford — a saving of $7,975.
| Scenario | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|
| Buy in Brantford at $560,000 | $7,675 | None | $7,675 |
| Buy in Toronto at $560,000 | $7,675 | $7,675 | $15,350 |
| Savings by buying in Brantford | $7,675 | ||
For a full breakdown of Ontario LTT rules, visit our Ontario Land Transfer Tax guide.
Brantford is one of Ontario's most affordable mid-sized cities, offering strong value for buyers priced out of the GTA and Hamilton. The city is home to Wilfrid Laurier University's Brantford campus and a growing manufacturing base. Popular neighbourhoods include Echo Place, Henderson Survey, Branthaven, Garden Avenue, and West Brant.
Use the calculator above to model the exact Ontario LTT for any purchase price in Brantford.
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No. Only the City of Toronto charges a municipal LTT on top of Ontario's provincial LTT. Since Brantford is in Brant County and outside the City of Toronto's boundaries, buyers pay only the Ontario LTT.
Ontario land transfer tax is paid on closing day, typically through your real estate lawyer. It is calculated on the purchase price registered with the province.
Yes. Ontario's FTB rebate applies anywhere in the province, including Brantford. You can receive up to $4,000 back on your Ontario LTT if you have never owned a home anywhere in the world and the property will be your principal residence.
For more details, see our comprehensive Ontario Land Transfer Tax guide.