2026 Ontario LTT Calculator — Free Instant Estimate
Use KOHO to manage your down payment and closing costs. New members get a $100 cash bonus with referral code:
Lambton Shores encompasses Grand Bend, Forest, Arkona, and the Lake Huron shoreline in Lambton County. Known for its beautiful sandy beaches, the municipality attracts both cottage buyers and permanent residents seeking a slower pace. Average property prices range from $430,000 to $580,000, with lakefront commanding a premium.
Lambton Shores offers a unique mix of resort-town amenities and year-round community. Grand Bend's beach draws visitors from across Ontario, while Forest provides more traditional small-town living. The area is roughly 45 minutes from London and Sarnia.
Lambton Shores buyers pay only the provincial Ontario LTT. Cottage and recreational property purchases are eligible for the tax, and first-time buyers of principal residences can access the FTB rebate.
| Purchase Price | Ontario LTT | After FTB Rebate |
|---|---|---|
| $350,000 | $4,075 | $75 |
| $450,000 | $5,475 | $1,475 |
| $430,000 | $6,550 | $2,550 |
| $700,000 | $8,475 | $4,475 |
| $900,000 | $13,475 | $9,475 |
Ontario's land transfer tax uses a tiered bracket system. Unlike Toronto, Lambton Shores buyers pay only the provincial tax — there is no municipal land transfer tax here.
| Purchase Price Range | Tax Rate | Marginal Tax on Range |
|---|---|---|
| First $55,000 | 0.5% | Up to $275 |
| $55,001 – $250,000 | 1.0% | Up to $1,950 |
| $250,001 – $400,000 | 1.5% | Up to $2,250 |
| $400,001 – $2,000,000 | 2.0% | Up to $32,000 |
| Over $2,000,000 | 2.5% | On amount above $2M |
For the full Ontario LTT guide, visit our Ontario Land Transfer Tax page.
First-time buyers in Lambton Shores can receive a rebate of up to $4,000 on their Ontario LTT. This rebate is automatically applied at closing by your real estate lawyer — no separate application is required.
Lambton Shores real estate offers considerable value compared to the Greater Toronto Area, where the average home exceeds $1 million and buyers also pay the Toronto Municipal Land Transfer Tax (MLTT) on top of the provincial tax. Southwestern Ontario's affordability is one of its strongest draws.
Average prices fluctuate with market conditions. Always consult a local REALTOR® for current data. Our calculator uses up-to-date Ontario LTT brackets regardless of the price you enter.
Southwestern Ontario's housing market offers dramatic savings versus the GTA. Consider a $600,000 home in Lambton Shores versus a $1,100,000 home in Toronto:
| Cost | Lambton Shores ($600,000) | Toronto ($1,100,000) |
|---|---|---|
| Ontario LTT | $6,750 | $16,475 |
| Toronto MLTT | $0 | ~$16,475 |
| Total LTT | $6,750 | ~$32,950 |
| Purchase Price Savings | $500,000 less in Lambton Shores | |
The absence of a municipal land transfer tax in Lambton Shores means buyers save over $16,000 in LTT alone versus Toronto — on top of the lower purchase price.
Learn more about Ontario's land transfer tax system on our comprehensive Ontario LTT guide.
No. Only Toronto levies a municipal LTT in Ontario. Buyers in Lambton Shores pay only the provincial Ontario LTT, calculated on the purchase price using the bracket system above.
The LTT is paid on the closing date when title transfers to you. Your real estate lawyer handles the calculation and remittance to the province on your behalf.
No. Land transfer tax must be paid in cash at closing and cannot be added to your mortgage. Budget for it alongside your down payment, legal fees, and home inspection costs.
Yes, outside Toronto the provincial rate applies uniformly. The same bracket system applies whether you buy in Lambton Shores, Ottawa, or Sudbury.
Beyond the LTT, plan for legal fees ($1,500–$2,500), title insurance ($250–$400), home inspection ($400–$600), and any adjustments for prepaid taxes or utilities.
Open a KOHO account to organize your closing costs. Referral code 45ET55JSYA unlocks a $100 cash bonus.
Get $100 with KOHO →