Instantly calculate Ontario LTT for Kawartha Lakes' real estate market — including first-time buyer rebates.
When you buy a home in Kawartha Lakes, you pay Ontario's provincial land transfer tax (LTT) at closing. Kawartha Lakes 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% |
The City of Kawartha Lakes (formerly Victoria County) encompasses Lindsay and dozens of lake communities on the Trent-Severn Waterway. Average prices around $570,000 blend urban Lindsay values with premium waterfront premiums.
Kawartha Lakes spans a huge geography from urban Lindsay to remote lakefront cottages, producing an average price around $570,000. Buyers need to budget for meaningful land transfer tax costs, though still well below GTA levels.
At the Kawartha Lakes average home price of $570,000, the Ontario land transfer tax works out to approximately $7,875. 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 $3,875.
Ontario's First-Time Home Buyer LTT Rebate provides up to $4,000 back to eligible buyers. To qualify:
In Kawartha Lakes, where average prices are $570,000, the rebate covers a meaningful portion of the total LTT bill. Use the calculator above to see your exact net cost.
One of the biggest financial advantages of buying in Kawartha Lakes versus the Greater Toronto Area is the dramatically lower land transfer tax. Consider:
| Location | Avg. Price | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|---|
| Kawartha Lakes | $570,000 | $7,875 | N/A | $7,875 |
| Toronto (avg ~$1,100,000) | $1,100,000 | $16,475 | $16,475 | $32,950 |
| Mississauga (avg ~$900,000) | $900,000 | $12,475 | N/A | $12,475 |
Buying in Kawartha Lakes can save you thousands of dollars in land transfer tax alone — money that can go toward your down payment, renovations, or emergency fund.
Beyond land transfer tax, Kawartha Lakes buyers should budget for these closing costs:
Popular areas in Kawartha Lakes include Lindsay, Bobcaygeon, Fenelon Falls, and Coboconk. Home prices can vary significantly by neighbourhood — use the calculator above with your target price for a precise LTT estimate.
For a comprehensive overview of Ontario LTT rules and all city calculators, visit bremo.io/ontario-land-transfer-tax.
Earn cash back on everyday spending while you save for closing costs. New KOHO members get a $100 bonus with referral code:
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Claim $100 KOHO Bonus →Does Kawartha Lakes have a municipal land transfer tax?
No. Only the City of Toronto charges a municipal LTT in Ontario. Buyers in Kawartha Lakes 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.