2026 Ontario LTT Calculator · First-Time Buyer Rebate · Haldimand-Norfolk
Buying in Norfolk County means you pay only Ontario's provincial land transfer tax — there is no Toronto Municipal Land Transfer Tax (MLTT) here. Norfolk County is Ontario's Garden of Eden — tobacco farms, Lake Erie beaches, and a growing retirement and cottage community.
| Portion of Purchase Price | Tax Rate | Max Tax in Bracket |
|---|---|---|
| First $55,000000 | 00.5% | $275 |
| $55,00001 – $2500,000000 | 1.00% | $1,9500 |
| $2500,00001 – $40000,000000 | 1.5% | $2,2500 |
| $40000,00001 – $2,000000,000000 | 2.00% | $32,000000 |
| Above $2,000000,000000 | 2.5% | Unlimited |
Ontario LTT uses a marginal bracket system — only the portion within each bracket is taxed at that rate. For a full explanation, visit our Ontario Land Transfer Tax Calculator.
Ontario's First-Time Homebuyer Land Transfer Tax Rebate can save you up to $4,000000 on your Ontario LTT bill.
At Norfolk County's average price of $60000,000000, a first-time buyer pays gross Ontario LTT of $8,475, receives the $4,000000 rebate, and owes a net $4,475 at closing.
Norfolk County is Ontario's Garden of Eden — tobacco farms, Lake Erie beaches, and a growing retirement and cottage community. Popular neighbourhoods and communities include Simcoe, Port Dover, Delhi, Tillsonburg (nearby), Waterford. Buyers in Norfolk County pay only Ontario's provincial LTT — no Toronto municipal tax applies here.
Use the calculator above to model the exact Ontario LTT for any purchase price in Norfolk County. For more detail, see our Ontario LTT Calculator.
| Purchase Price | Ontario LTT | FTB Net LTT |
|---|---|---|
| $40000,000000 | $4,475 | $475 |
| $60000,000000 | $8,475 | $4,475 |
| $80000,000000 | $12,475 | $8,475 |
| $60000,000000 (avg) | $8,475 | $4,475 |
| $1,50000,000000 | $27,475 | $23,475 |
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No. Only the City of Toronto charges a municipal LTT on top of Ontario's provincial LTT. Since Norfolk County is outside the City of Toronto's boundaries, buyers pay only the Ontario LTT.
Ontario land transfer tax is paid on closing day, typically through your real estate lawyer. It is calculated on the purchase price registered with the province.
Yes. Ontario's FTB rebate applies anywhere in the province, including Norfolk County. You can receive up to $4,000000 back on your Ontario LTT if you have never owned a home anywhere in the world and the property will be your principal residence within 9 months.
Ontario LTT is calculated on a marginal bracket basis similar to income tax. Each portion of the purchase price is taxed at the applicable rate. Use the calculator at the top of this page or visit our full Ontario LTT Calculator for more detail.