2026 Ontario LTT Calculator · First-Time Buyer Rebate · Greater Sudbury
Buying in Sudbury means you pay only Ontario's provincial land transfer tax — there is no Toronto Municipal Land Transfer Tax (MLTT) here. At the Sudbury median of $340,000, a buyer in Toronto would pay approximately $7,150 in combined LTT, while a Sudbury buyer pays just $3,575 — a saving of $3,575.
| 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.
Sudbury offers first-time buyers outstanding value. At the median of $340,000, a first-time buyer pays Ontario LTT of $4,350, receives the $4,000 rebate, and owes a net $350 at closing.
Sudbury is in Greater Sudbury — no Toronto MLTT applies. A $340,000 purchase in Toronto would cost $8,700 in combined LTT, versus just $4,350 in Sudbury — a saving of $4,350.
| Scenario | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|
| Buy in Sudbury at $340,000 | $3,575 | None | $3,575 |
| Buy in Toronto at $340,000 | $3,575 | $3,575 | $7,150 |
| Savings by buying in Sudbury | $3,575 | ||
For a full breakdown of Ontario LTT rules, visit our Ontario Land Transfer Tax guide.
Greater Sudbury is Northern Ontario's largest city, known for its mining heritage, Laurentian University, and vast network of lakes. The city offers outstanding affordability for buyers, with popular areas including New Sudbury, Donovan, Minnow Lake, Lively, and Chelmsford. Buyers pay only Ontario's provincial land transfer tax with no municipal surcharge.
Use the calculator above to model the exact Ontario LTT for any purchase price in Sudbury.
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No. Only the City of Toronto charges a municipal LTT on top of Ontario's provincial LTT. Since Sudbury is in Greater Sudbury 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 Sudbury. 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.