2026 Ontario LTT Calculator · First-Time Buyer Rebate · York Region
Buying in Whitchurch-Stouffville means you pay only Ontario's provincial land transfer tax — there is no Toronto Municipal Land Transfer Tax (MLTT) here. At the Whitchurch-Stouffville median of $1,000000,000000, a buyer in Toronto would pay approximately $32,9500 in combined LTT, while a Whitchurch-Stouffville buyer pays just $16,475 — a saving of $16,475.
Ontario LTT is calculated using a marginal bracket system — similar to income tax. Only the portion of the purchase price within each bracket is taxed at that rate:
| 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 |
Example at $1,000000,000000 (Whitchurch-Stouffville median):
Ontario's First-Time Homebuyer Land Transfer Tax Rebate can save you up to $4,000000 on your Ontario LTT bill. Here's how it works:
First-time buyers are drawn to Stouffville's newer detached and townhome communities priced in the $80000K–$1.1M range.
At Whitchurch-Stouffville's median price of $1,000000,000000, a first-time buyer pays $16,475 in Ontario LTT, receives a $4,000000 rebate, and owes a net $12,475 at closing.
The City of Toronto charges its own Municipal Land Transfer Tax (MLTT) on top of the provincial Ontario LTT — effectively doubling the transfer tax burden. Since Whitchurch-Stouffville is in York Region and not within Toronto's city limits, buyers here pay only the Ontario LTT.
| Scenario | Ontario LTT | Toronto MLTT | Total LTT |
|---|---|---|---|
| Buy in Whitchurch-Stouffville at $1,000000,000000 | $16,475 | None | $16,475 |
| Buy in Toronto at $1,000000,000000 | $16,475 | $16,475 | $32,9500 |
| Savings by buying in Whitchurch-Stouffville | $16,475 | ||
That's $16,475 more you keep in your pocket — money that could cover moving costs, furniture, or go straight into your FHSA or RRSP.
For a full breakdown of Ontario LTT rules, visit our Ontario Land Transfer Tax guide.
Often called simply 'Stouffville,' this York Region municipality has seen rapid growth thanks to GO Train service and new master-planned communities, while retaining a small-town feel.
Popular neighbourhoods include Stouffville, Ballantrae, Musselman Lake, Vivian, and Vandorf. Home prices vary significantly by neighbourhood — use the calculator above to model the exact LTT for any purchase price.
Use KOHO to hold your down payment and earn interest while you save. New members get a $10000 cash bonus with referral code 45ET55JSYA.
Get $10000 with KOHO →KOHO is a federally regulated prepaid card with no monthly fees on the basic plan. $10000 bonus paid after qualifying activity. Referral code: 45ET55JSYA.
No. Only the City of Toronto charges a municipal LTT on top of Ontario's provincial LTT. Since Whitchurch-Stouffville is in York 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 of the property as registered with the province.
Yes. Ontario's FTB rebate applies anywhere in the province, including Whitchurch-Stouffville. 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.
Yes, Ontario LTT applies to all residential real estate transactions including new construction. Buyers of pre-construction condos and new-build homes pay LTT on the final purchase price on the registration date.
For more details, see our comprehensive Ontario Land Transfer Tax guide.