Instantly calculate Ontario LTT for Georgina's real estate market — including first-time buyer rebates.
When you buy a home in Georgina, you pay Ontario's provincial land transfer tax (LTT) at closing. Georgina is not subject to any additional municipal land transfer tax — only the provincial rate applies.
| Purchase Price Portion | Tax Rate |
|---|---|
| First $55,000 | 0.5% |
| $55,001 – $250,000 | 1.0% |
| $250,001 – $400,000 | 1.5% |
| $400,001 – $2,000,000 | 2.0% |
| Over $2,000,000 | 2.5% |
Georgina is York Region's most northerly municipality, stretching along the south shore of Lake Simcoe.
The community of Keswick is Georgina's largest urban centre, offering a growing selection of new homes at prices well below southern York Region.
Georgina's waterfront communities — Sutton, Jackson's Point, and Keswick — attract buyers seeking recreational properties and year-round lakefront living. While not on the GO Train network, the community is accessible by car from the GTA within 1–2 hours.
Georgina offers some of York Region's best value, though buyers should note that car dependence is higher than in communities further south. New residential developments in Keswick are expanding quickly, providing more housing supply than other York Region communities.
At the Georgina average home price of $760,000, the Ontario land transfer tax works out to approximately $11,575. First-time buyers can offset up to $4,000 of that amount through the provincial first-time buyer (FTB) rebate, reducing their net LTT to $7,575.
Use the calculator above to enter your specific purchase price and get an instant, precise Ontario LTT calculation for Georgina.
Ontario's First-Time Home Buyer LTT Rebate provides up to $4,000 back to eligible buyers. To qualify:
In Georgina, where average prices are around $760,000, the rebate covers a meaningful portion of the total LTT bill. Use the calculator above to see your exact net cost after rebate.
One of the biggest financial advantages of buying in York Region versus the Greater Toronto Area is the significantly lower land transfer tax burden. Consider:
| Location | Avg. Price | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|---|
| Georgina | $760,000 | $11,575 | N/A | $11,575 |
| Toronto (avg ~$1,100,000) | $1,100,000 | $16,475 | $16,475 | $32,950 |
| Newmarket (avg ~$950,000) | $950,000 | $14,975 | N/A | $14,975 |
Buying in Georgina can save you thousands of dollars in land transfer tax compared to purchasing in Toronto — money you can put toward your down payment, renovations, or an emergency fund.
Georgina has a long history tied to Lake Simcoe's fishing and tourism industries. The historic Jackson's Point resort community was a popular summer retreat for Toronto families in the early 20th century. Today the area is transitioning to a year-round suburban community.
Popular areas in Georgina include Keswick, Sutton, Jackson's Point, Pefferlaw, and Belhaven. Home prices can vary significantly by neighbourhood — use the calculator above with your specific target price for a precise LTT estimate.
Beyond land transfer tax, Georgina buyers should budget for these closing costs:
For a comprehensive overview of Ontario LTT rules and all city calculators, visit bremo.io/ontario-land-transfer-tax. You can also explore our guide to the best banks in Ontario to maximize your savings before and after your home purchase.
While you can't avoid LTT, you can save on banking fees. KOHO is free forever — save hundreds per year to put toward your Ontario home purchase.
Get KOHO Free — Code 45ET55JSYADoes Georgina have a municipal land transfer tax?
No. Only the City of Toronto charges a municipal LTT in Ontario. Buyers in Georgina pay only the provincial Ontario LTT.
When is land transfer tax paid?
LTT is collected by your real estate lawyer at closing (the day you take possession). You cannot pay it separately or in installments — it must be available on closing day.
Is land transfer tax deductible?
No. Ontario LTT is not income-tax deductible for personal residential purchases. It is a one-time closing cost added to the adjusted cost base of your property for capital gains purposes if you ever sell.
What if I'm buying with a partner?
Each owner on title shares the LTT liability. The first-time buyer rebate is only available if all buyers qualify as first-time buyers. If your partner has owned a home before, you cannot claim the rebate.
How much is land transfer tax on a $760,000 home in Georgina?
On a $760,000 purchase price, Ontario LTT is approximately $11,575. First-time buyers who qualify for the provincial rebate would pay $7,575 net after the $4,000 rebate.