Ontario provincial LTT only — York Region has no municipal land transfer tax
Maple is a community within the City of Vaughan in York Region, and buyers here pay only Ontario's provincial land transfer tax. No Vaughan municipal LTT exists — that's a Toronto-only levy in Ontario. On a typical Maple home priced around $1,150,000, the Ontario LTT is approximately $17,475. First-time buyers receive a $4,000 rebate, reducing this to $13,475.
Maple has undergone rapid transformation over the past two decades, evolving from a quiet rural community north of Highway 400 into one of Vaughan's primary residential growth areas. Major subdivisions by developers including Arancio Homes, Daniels, and Ballantry have created thousands of new detached and semi-detached units, while the Maple GO station on the Barrie line provides direct commuter rail access to Union Station.
Typical detached homes in newer Maple subdivisions (King-Vaughan Road corridor, Keele Street) range from $1.0M to $1.4M for 2,000–3,000 sq ft. Older Maple homes in the Original Maple area near the GO station can be found from $850,000 for well-maintained bungalows. New-build townhomes start around $750,000.
Maple GO Station on the Barrie corridor provides weekday peak service to Union Station in approximately 40–50 minutes. Off-peak trains run regularly throughout the day. For buyers who commute to downtown Toronto, Maple's GO station access combined with York Region's relatively lower home prices (vs. inner-city Toronto) represents excellent commute-to-cost balance. Free parking at the station is available, though it fills quickly during peak hours, and remote parking lots are a short bus ride away.
Maple is well-served by the York Region District School Board, with numerous elementary and secondary schools within walking or short driving distance. Tommy Douglas Secondary School and Maple High School serve the community, and several Catholic and French-language schools are also available. The community's newer subdivisions have been planned with schools, parks, and community centres as integral components, making Maple one of the more family-oriented planning models in York Region.
Maple sits between the Highway 400/King Road corridor and Highway 407, positioning it for continued commercial and residential growth. The Vaughan Metropolitan Centre subway area to the south has catalyzed intensification throughout Vaughan, and Maple's relative affordability compared to Concord and Woodbridge has sustained buyer interest. Long-term investors note that properties in walkable proximity to Maple GO station have outperformed the broader Vaughan market in terms of price retention through market cycles.
| Purchase Price Range | Rate | Marginal Tax on Bracket |
|---|---|---|
| $0 – $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% | — |
| Price | Ontario LTT (Gross) | FTB Rebate | Net LTT |
|---|---|---|---|
| $690,000 | $10,275 | $4,000 | $6,275 |
| $1,150,000 | $19,475 | $4,000 | $15,475 |
| $1,380,000 | $24,075 | $4,000 | $20,075 |
| $1,610,000 | $28,675 | $4,000 | $24,675 |
Ontario's First-Time Home Buyers' Rebate provides up to $4,000 off your land transfer tax — applied automatically at closing by your lawyer through the provincial Teraview system. To qualify, you must never have owned residential property anywhere in the world. This rebate fully offsets LTT on homes priced up to approximately $368,000 and provides a $4,000 reduction on all higher-priced properties. Most Maple buyers who qualify will reduce their net LTT from $19,475 to $15,475 on a typical home.
Land transfer tax is paid on your closing date. Your real estate lawyer remits it directly to the Ontario government through the land registry system. The funds must be available in the trust account before keys are transferred — LTT cannot be added to your mortgage or HELOC. Budget for it alongside your down payment balance, legal fees, and other closing costs when planning your purchase timeline.
Beyond land transfer tax, typical closing costs include: legal fees ($1,500–$2,500), title insurance ($300–$600), home inspection ($450–$700), and property tax/utility adjustments. If your down payment is under 20%, CMHC mortgage default insurance adds 2.8%–4% of your mortgage amount — this is rolled into your mortgage, not paid in cash at closing. A rough rule: budget 1.5%–3% of the purchase price for all closing costs combined.
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