Land Transfer Tax in Lloydminster, AB

Lloydminster vs. Ontario: LTT Savings

Lloydminster, AB

Provincial LTT on $350,000 home

Ontario

$3,725

Ontario LTT on $350,000 home

Savings in AB

$3,725

Kept in your pocket vs Ontario

Alberta Land Title Transfer Fees (Actual Costs)

Provincial Land Transfer Tax$0

Land Title Transfer Fee (title registration)~$280

Mortgage registration fee~$300

Total government land fees~$580

Lloydminster is a unique border city that straddles the Alberta-Saskatchewan provincial boundary, with municipal jurisdiction shared between both provinces. The Alberta side of Lloydminster is subject to Alberta's tax rules — including $0 provincial land transfer tax and no PST — while the Saskatchewan side is subject to Saskatchewan's tax regime. Buyers on the Alberta side enjoy the full benefits of Alberta's favourable tax environment.

On a $350,000 Lloydminster (AB side) home, an Ontario buyer would pay $3,725 in provincial land transfer tax. Alberta buyers pay $0. Alberta's land title transfer fees on a $350,000 purchase total approximately $580. Lloydminster's unique dual-provincial status means buyers should confirm which provincial jurisdiction applies to their specific property — properties on the Alberta side benefit from $0 LTT and no PST.

Lloydminster Real Estate Market Overview

Lloydminster's benchmark detached home price sits around $330,000–$380,000 as of early 2026. The city's economy is driven by oil and gas, agriculture, and a growing retail and service sector that benefits from Saskatchewan shoppers crossing the border to avoid PST. ATB Financial has a significant presence on the Alberta side of Lloydminster. Digital banking options like KOHO and EQ Bank are accessible to all residents regardless of which side of the border they live on.

Frequently Asked Questions

Is there a land transfer tax in Lloydminster, Alberta?

No — Alberta has no provincial land transfer tax. Lloydminster buyers pay $0 LTT regardless of the purchase price. Alberta does charge small land title transfer fees (approximately $400–600 on a typical home), but these are a fraction of the LTT charged in Ontario or BC. On a $350,000 Lloydminster purchase, you save $3,725 compared to the Ontario LTT.

What are Alberta land title transfer fees?

Alberta land title transfer fees are small government fees for registering the property title and mortgage with Alberta's Land Titles Office. For a $350,000 home, the title transfer fee is approximately $280 and the mortgage registration fee is approximately $300 — totalling approximately $580. This is separate from (and much smaller than) a land transfer tax, which Alberta does not have.

How much do Lloydminster buyers save compared to Ontario?

On a $350,000 home, Lloydminster buyers save $3,725 in provincial land transfer tax compared to Ontario buyers. Alberta's $0 LTT applies at every price point — the more expensive the home, the greater the savings versus Ontario or BC.

Does Alberta have a first-time buyer land transfer tax rebate?

Alberta doesn't need a first-time buyer rebate because there is no provincial land transfer tax to rebate. All Alberta buyers — first-time, repeat, and investors — pay $0 provincial LTT. This is a structural advantage over Ontario and BC, where first-time buyers must navigate rebate programs to partially offset their LTT costs.

What closing costs should Lloydminster buyers budget for?

Lloydminster buyers should budget for: legal/notary fees ($1,200–$2,000), home inspection ($500–$700), title insurance (~$300), land title transfer fee (~$280), mortgage registration fee (~$300), and CMHC mortgage insurance if applicable. Notably absent: provincial land transfer tax.

Lloydminster Provincial Land Transfer Tax

Lloydminster vs. Ontario: LTT Savings

Alberta Land Title Transfer Fees (Actual Costs)

Lloydminster Real Estate Market Overview

Alberta LTT Calculator

Frequently Asked Questions

More Resources

Lloydminster Homebuyers: Get $100 Free with KOHO