Instantly calculate Ontario LTT for Oshawa's real estate market — including first-time buyer rebates.
When you buy a home in Oshawa, you pay Ontario's provincial land transfer tax (LTT) at closing. Oshawa is not subject to any additional municipal land transfer tax — only the provincial rate applies.
| Purchase Price Portion | Tax Rate |
|---|---|
| First $55,000 | 0.5% |
| $55,001 – $250,000 | 1.0% |
| $250,001 – $400,000 | 1.5% |
| $400,001 – $2,000,000 | 2.0% |
| Over $2,000,000 | 2.5% |
Oshawa is Durham Region's largest city and one of Ontario's most affordable major urban centres.
Famous for its automotive heritage — the GM of Canada headquarters has been here for over a century — Oshawa has evolved into a diverse post-industrial economy.
Ontario Tech University and Durham College bring a large student and young professional population to the city. GO Transit service connects the city to Toronto Union Station, attracting commuters and boosting real estate demand.
Oshawa consistently offers some of the best value in the Greater Golden Horseshoe. First-time buyers can often find detached homes well below the provincial average, making the LTT savings even more meaningful.
At the Oshawa average home price of $700,000, the Ontario land transfer tax works out to approximately $10,475. First-time buyers can offset up to $4,000 of that amount through the provincial first-time buyer (FTB) rebate, reducing their net LTT to $6,475.
Use the calculator above to enter your specific purchase price and get an instant, precise Ontario LTT calculation for Oshawa.
Ontario's First-Time Home Buyer LTT Rebate provides up to $4,000 back to eligible buyers. To qualify:
In Oshawa, where average prices are around $700,000, the rebate covers a meaningful portion of the total LTT bill. Use the calculator above to see your exact net cost after rebate.
One of the biggest financial advantages of buying in Durham Region versus the Greater Toronto Area is the significantly lower land transfer tax burden. Consider:
| Location | Avg. Price | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|---|
| Oshawa | $700,000 | $10,475 | N/A | $10,475 |
| Toronto (avg ~$1,100,000) | $1,100,000 | $16,475 | $16,475 | $32,950 |
| Whitby (avg ~$900,000) | $900,000 | $13,975 | N/A | $13,975 |
Buying in Oshawa can save you thousands of dollars in land transfer tax compared to purchasing in Toronto — money you can put toward your down payment, renovations, or an emergency fund.
Founded in the 1840s, Oshawa rose to prominence as the 'Motor City of Canada' with General Motors establishing a major manufacturing base here in 1907. The city has since diversified into healthcare, education, and professional services.
Popular areas in Oshawa include Vanier, Lakeview, Samac, Pinecrest, McLaughlin, and Eastdale. Home prices can vary significantly by neighbourhood — use the calculator above with your specific target price for a precise LTT estimate.
Beyond land transfer tax, Oshawa buyers should budget for these closing costs:
For a comprehensive overview of Ontario LTT rules and all city calculators, visit bremo.io/ontario-land-transfer-tax. You can also explore our guide to the best banks in Ontario to maximize your savings before and after your home purchase.
While you can't avoid LTT, you can save on banking fees. KOHO is free forever — save hundreds per year to put toward your Ontario home purchase.
Get KOHO Free — Code 45ET55JSYADoes Oshawa have a municipal land transfer tax?
No. Only the City of Toronto charges a municipal LTT in Ontario. Buyers in Oshawa pay only the provincial Ontario LTT.
When is land transfer tax paid?
LTT is collected by your real estate lawyer at closing (the day you take possession). You cannot pay it separately or in installments — it must be available on closing day.
Is land transfer tax deductible?
No. Ontario LTT is not income-tax deductible for personal residential purchases. It is a one-time closing cost added to the adjusted cost base of your property for capital gains purposes if you ever sell.
What if I'm buying with a partner?
Each owner on title shares the LTT liability. The first-time buyer rebate is only available if all buyers qualify as first-time buyers. If your partner has owned a home before, you cannot claim the rebate.
How much is land transfer tax on a $700,000 home in Oshawa?
On a $700,000 purchase price, Ontario LTT is approximately $10,475. First-time buyers who qualify for the provincial rebate would pay $6,475 net after the $4,000 rebate.