Land Transfer Tax in Napanee, ON (2026 Calculator)

Land Transfer Tax in Napanee, Ontario (2026)

When you purchase a home in Greater Napanee, ON, you are required to pay Ontario Land Transfer Tax (LTT) on closing day. This provincial tax is calculated on the purchase price of the property and is remitted to the Ontario government through your real estate lawyer.

Greater Napanee, located on the Napanee River between Kingston and Belleville, offers affordable small-town living along the Highway 401 corridor. The town's historic downtown, proximity to Lake Ontario, and easy access to Kingston and the 1000 Islands region make it an attractive choice for families.

Unlike buyers in Toronto — who must also pay the City of Toronto's Municipal Land Transfer Tax — buyers in Napanee pay only the single Ontario provincial LTT. There is no additional municipal tax here.

The Ontario LTT is calculated using a tiered bracket system:

• 0.5% on the first $55,000 of the purchase price
• 1.0% on $55,001 – $250,000
• 1.5% on $250,001 – $400,000
• 2.0% on $400,001 – $2,000,000
• 2.5% on any amount above $2,000,000

Based on a median home price of approximately ${median_fmt2} in Napanee, buyers can expect to pay around $5,075 in Ontario LTT. Use the calculator above to get an exact figure for your specific purchase price.

Land transfer tax is typically one of the largest closing costs after your down payment and legal fees. Factoring it into your budget early will help you avoid any surprises on closing day.

First-Time Home Buyer LTT Rebate in Napanee

Ontario's first-time home buyer Land Transfer Tax rebate is one of the most valuable perks available to new homeowners. If you qualify, you can receive a rebate of up to $4,000 on your Ontario LTT — regardless of where in the province you're buying, including Napanee.

For homes priced at $368,333 or below, the rebate completely eliminates your Ontario LTT, meaning eligible first-time buyers pay $0 in land transfer tax. For higher-priced homes, the $4,000 rebate is applied to reduce (but not fully eliminate) your LTT obligation.

To qualify for the Ontario first-time home buyer LTT rebate, you must:

• Be a Canadian citizen or permanent resident
• Be at least 18 years of age
• Occupy the property as your principal residence within 9 months of closing
• Never have owned a home anywhere in the world (and neither has your spouse or common-law partner, if applicable)

Check the "first-time home buyer" box in the calculator above to see exactly how much you'd save with the rebate applied to your specific purchase price in Napanee.

Buying a Home in Napanee: What You Need to Know

Land transfer tax is just one of several closing costs to plan for when purchasing a home in Napanee. Here's a quick overview of what to budget for beyond your purchase price:

• Ontario Land Transfer Tax: Calculated on a sliding bracket scale (see calculator above). For a median-priced home in Napanee (~$430,000), expect approximately $5,075.
• Legal fees: Typically $1,500 – $2,500 for a real estate lawyer in Ontario, plus disbursements for title searches and registration.
• Home inspection: Strongly recommended, usually $400 – $600 for a standard inspection.
• Title insurance: A one-time premium of roughly $200 – $400 that protects you against title fraud and survey issues.
• CMHC mortgage insurance: Required if your down payment is less than 20% of the purchase price. The premium ranges from 2.8% to 4.0% of the mortgage amount.
• Moving costs: Budget $1,000 – $3,000+ depending on distance and the size of your household.

As a general rule of thumb, budget an additional 1.5% to 4% of your purchase price for total closing costs beyond the down payment. The Ontario LTT typically represents the single largest component of those costs.

For a comprehensive guide to Ontario land transfer tax rules, rates, and rebates across the province, see the resources below.