2026 Ontario LTT Calculator · First-Time Buyer Rebate · Wellington County
Buying in Guelph means you pay only Ontario's provincial land transfer tax — there is no Toronto Municipal Land Transfer Tax (MLTT) here. At the Guelph median of $730,000, a buyer in Toronto would pay approximately $22,150 in combined LTT, while a Guelph buyer pays just $11,075 — a saving of $11,075.
| 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.
Guelph is popular with first-time buyers, especially those in tech and academia. At the median of $730,000, a first-time buyer pays Ontario LTT of $11,225, receives the $4,000 rebate, and owes a net $7,225 at closing.
Guelph is in Wellington County — no Toronto MLTT applies. A $730,000 purchase in Toronto would cost $22,450 in combined LTT, versus just $11,225 in Guelph — a saving of $11,225.
| Scenario | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|
| Buy in Guelph at $730,000 | $11,075 | None | $11,075 |
| Buy in Toronto at $730,000 | $11,075 | $11,075 | $22,150 |
| Savings by buying in Guelph | $11,075 | ||
For a full breakdown of Ontario LTT rules, visit our Ontario Land Transfer Tax guide.
Guelph is consistently ranked among Canada's most livable cities. Home to the University of Guelph and a growing tech sector, the city offers a strong balance of urban amenities and green space. Key neighbourhoods include The Junction, Exhibition Park, Kortright Hills, Clairfields, and Grange Hill East. As part of Wellington County and outside Toronto's limits, buyers pay only Ontario's provincial land transfer tax.
Use the calculator above to model the exact Ontario LTT for any purchase price in Guelph.
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No. Only the City of Toronto charges a municipal LTT on top of Ontario's provincial LTT. Since Guelph is in Wellington 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 Guelph. 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.