Instantly calculate Ontario LTT for Kingston's real estate market — including first-time buyer rebates.
When you buy a home in Kingston, you pay Ontario's provincial land transfer tax (LTT) at closing. Kingston 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% |
Kingston is one of Ontario's most beloved cities, known as the Limestone City for its abundance of 19th-century limestone architecture, and as the original capital of the Province of Canada.
Queen's University and St. Lawrence College make Kingston one of Ontario's most educated communities and drive significant rental and purchase demand.
Kingston has been consistently ranked among Canada's best cities to live in, combining historical richness, waterfront beauty, and a vibrant arts scene. GO Transit service connects the city to Toronto Union Station, attracting commuters and boosting real estate demand.
Kingston's market benefits from dual demand: local professionals and families, plus Queen's University students and faculty. This creates strong price support across all housing types. The downtown limestone homes are in particular demand and rarely last long on the market.
At the Kingston average home price of $700,000, the Ontario land transfer tax works out to approximately $10,475. 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 $6,475.
Use the calculator above to enter your specific purchase price and get an instant, precise Ontario LTT calculation for Kingston.
Ontario's First-Time Home Buyer LTT Rebate provides up to $4,000 back to eligible buyers. To qualify:
In Kingston, where average prices are around $700,000, 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 Frontenac County versus the Greater Toronto Area is the significantly lower land transfer tax burden. Consider:
| Location | Avg. Price | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|---|
| Kingston | $700,000 | $10,475 | N/A | $10,475 |
| Toronto (avg ~$1,100,000) | $1,100,000 | $16,475 | $16,475 | $32,950 |
| Belleville (avg ~$600,000) | $600,000 | $8,475 | N/A | $8,475 |
Buying in Kingston 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.
Kingston was Canada's first capital city from 1841 to 1844. Established as a fort in 1673, it has one of the most significant concentrations of 19th-century public buildings in Canada, including City Hall, the Penitentiary, and Fort Henry — a UNESCO World Heritage Site.
Popular areas in Kingston include Downtown Kingston, Williamsville, Strathcona Park, Sydenham, Portsmouth, and LaSalle. 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, Kingston 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 Kingston have a municipal land transfer tax?
No. Only the City of Toronto charges a municipal LTT in Ontario. Buyers in Kingston 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 $700,000 home in Kingston?
On a $700,000 purchase price, Ontario LTT is approximately $10,475. First-time buyers who qualify for the provincial rebate would pay $6,475 net after the $4,000 rebate.