2026 Ontario LTT Calculator · First-Time Buyer Rebate · Niagara Region
Buying in St. Catharines means you pay only Ontario's provincial land transfer tax — there is no Toronto Municipal Land Transfer Tax (MLTT) here. At the St. Catharines median of $570,000, a buyer in Toronto would pay approximately $15,750 in combined LTT, while a St. Catharines buyer pays just $7,875 — a saving of $7,875.
| Portion of Purchase Price | Tax Rate | Max Tax in Bracket |
|---|---|---|
| First $55,000 | 0.5% | $275 |
| $55,001 – $250,000 | 1.0% | $1,950 |
| $250,001 – $400,000 | 1.5% | $2,250 |
| $400,001 – $2,000,000 | 2.0% | $32,000 |
| Above $2,000,000 | 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 guide.
Ontario's First-Time Homebuyer Land Transfer Tax Rebate can save you up to $4,000 on your Ontario LTT bill.
St. Catharines attracts many first-time buyers from Hamilton and Toronto. At the median of $570,000, a first-time buyer pays Ontario LTT of $8,175, receives the $4,000 rebate, and owes a net $4,175 at closing.
St. Catharines is in Niagara Region — no Toronto MLTT applies. A $570,000 purchase in Toronto would cost $16,350 in combined LTT, versus just $8,175 in St. Catharines — a saving of $8,175.
| Scenario | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|
| Buy in St. Catharines at $570,000 | $7,875 | None | $7,875 |
| Buy in Toronto at $570,000 | $7,875 | $7,875 | $15,750 |
| Savings by buying in St. Catharines | $7,875 | ||
For a full breakdown of Ontario LTT rules, visit our Ontario Land Transfer Tax guide.
St. Catharines is the largest city in Niagara Region, known for its wine country proximity, Brock University, and access to the QEW corridor. Popular neighbourhoods include Glenridge, Merritton, Port Dalhousie, Downtown St. Catharines, and Ridley. The city offers strong value for buyers seeking detached homes within an hour of Hamilton and the GTA.
Use the calculator above to model the exact Ontario LTT for any purchase price in St. Catharines.
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No. Only the City of Toronto charges a municipal LTT on top of Ontario's provincial LTT. Since St. Catharines is in Niagara Region and 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 St. Catharines. You can receive up to $4,000 back on your Ontario LTT if you have never owned a home anywhere in the world and the property will be your principal residence.
For more details, see our comprehensive Ontario Land Transfer Tax guide.