Land Transfer Tax — St. Catharines, ON

Ontario LTT Calculator — St. Catharines

Land Transfer Tax in St. Catharines, Ontario

St. Catharines — Ontario's Garden City — is the largest city in the Niagara Region and one of the most dynamic real estate markets in the province. When you purchase a home here, you pay the provincial Ontario Land Transfer Tax. There is no additional municipal LTT in St. Catharines, making it more affordable than buying in Toronto.

St. Catharines attracts a wide range of buyers: young professionals drawn by Brock University and Niagara College, families seeking more space than the GTA offers, and retirees looking to downsize near the Lake Ontario waterfront, the Welland Canal trail system, or the vibrant downtown core on St. Paul Street.

Ontario LTT Rates (2024)

• 0.5% on the first $55,000
• 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 amounts over $2,000,000

On a $520,000 home in St. Catharines, your Ontario LTT would be approximately $7,975. A first-time buyer saves up to $4,000 via the provincial rebate, reducing net LTT to about $3,975.

First-Time Buyer Rebate

Ontario's first-time buyer rebate completely offsets LTT on the first $368,000 of purchase price. If you've never owned a home anywhere in the world and plan to live in the property, you qualify. The maximum rebate is $4,000.

St. Catharines Housing Market

St. Catharines has seen steady appreciation. Semi-detached and townhomes typically list between $450,000 and $600,000, while detached homes in neighbourhoods like Merritton, Port Dalhousie, or Grantham range from $550,000 to $850,000. The city's ongoing investment in transit and downtown revitalization continues to attract new residents from across Ontario.

Closing Costs Checklist

• Ontario Land Transfer Tax
• Legal/notary fees: $1,200–$1,800
• Title insurance: $250–$400
• Home inspection: $400–$600
• Mortgage default insurance (if less than 20% down)
• Property tax adjustment

Learn more about Ontario LTT at bremo.io/ontario-land-transfer-tax.

FAQs — LTT in St. Catharines

Is there a municipal LTT in St. Catharines?

No. St. Catharines does not charge a municipal land transfer tax. Only the provincial Ontario LTT applies.

Who collects the LTT?

Your real estate lawyer collects and remits LTT to the Ontario government on closing day.

Does the rebate apply if I'm buying with a partner?

If one partner has previously owned a home, the rebate is proportionally reduced based on ownership share.