2026 Ontario LTT Calculator · First-Time Buyer Rebate · York Region
Buying in Georgina means you pay only Ontario's provincial land transfer tax — there is no Toronto Municipal Land Transfer Tax (MLTT) here. At the Georgina median of $790,000, a buyer in Toronto would pay approximately $24,550 in combined LTT, while a Georgina buyer pays just $12,275 — a saving of $12,275.
| 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.
Georgina offers the lowest entry prices in York Region. At the median of $790,000, a first-time buyer pays Ontario LTT of $12,275, receives the $4,000 rebate, and owes a net $8,275 at closing.
Georgina is in York Region — no Toronto MLTT applies. A $790,000 purchase in Toronto would cost $24,550 in combined LTT, versus just $12,275 in Georgina — a saving of $12,275.
| Scenario | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|
| Buy in Georgina at $790,000 | $12,275 | None | $12,275 |
| Buy in Toronto at $790,000 | $12,275 | $12,275 | $24,550 |
| Savings by buying in Georgina | $12,275 | ||
For a full breakdown of Ontario LTT rules, visit our Ontario Land Transfer Tax guide.
Georgina is York Region's northernmost municipality, bordering Lake Simcoe and offering a relaxed lifestyle with lower price points. The area's communities of Keswick, Sutton, Jackson's Point, and Pefferlaw attract both primary residents and waterfront cottage owners. Key areas include Keswick North, Keswick South, Sutton West, Jackson's Point, and Virginia.
Use the calculator above to model the exact Ontario LTT for any purchase price in Georgina.
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No. Only the City of Toronto charges a municipal LTT on top of Ontario's provincial LTT. Since Georgina is in York Region 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 Georgina. 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.