2026 Ontario LTT Calculator — Free Instant Estimate
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Leamington, on the shores of Lake Erie near Point Pelee National Park, is the tomato capital of Canada and a growing community in Essex County. The town's agricultural economy — dominated by greenhouse operations — supports steady employment and affordable real estate. Average prices range from $400,000 to $510,000.
Leamington offers a unique lifestyle with access to Canada's southernmost tip at Point Pelee, Lake Erie beaches, and a vibrant agricultural community. The proximity to Windsor (45 minutes) and the US border adds convenience.
Leamington buyers pay only the Ontario provincial LTT with no municipal surcharge. The savings vs. a comparable purchase in Toronto or even Hamilton can be tens of thousands of dollars.
| Purchase Price | Ontario LTT | After FTB Rebate |
|---|---|---|
| $350,000 | $4,075 | $75 |
| $450,000 | $5,475 | $1,475 |
| $400,000 | $5,700 | $1,700 |
| $700,000 | $8,475 | $4,475 |
| $900,000 | $13,475 | $9,475 |
Ontario's land transfer tax uses a tiered bracket system. Unlike Toronto, Leamington 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 Leamington 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.
Leamington 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 Leamington versus a $1,100,000 home in Toronto:
| Cost | Leamington ($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 Leamington | |
The absence of a municipal land transfer tax in Leamington 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 Leamington 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 Leamington, 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.
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