NO LAND TRANSFER TAX
Calgary Land Transfer Tax Calculator — No LTT in Alberta!
Calgary buyers pay zero land transfer tax — Alberta abolished LTT. See how much you save compared to Toronto, Vancouver, and Ottawa buyers at the same price.
Calgary is Alberta's largest city and one of Canada's fastest-growing. Home prices have risen sharply, but the absence of LTT keeps closing costs low relative to Toronto and Vancouver.
Alberta Land Title Transfer Fees
While Alberta has no land transfer tax, there is a small Land Titles Office registration fee:
| Fee Type | Amount |
|---|
| Land Titles registration (transfer) | $50 base + $1 per $5,000 of value |
| Mortgage registration | $50 base + $1 per $5,000 of mortgage amount |
On a $550,000 purchase: land title fee ≈ $160. On a $440,000 mortgage: mortgage registration fee ≈ $138. Total well under $300 — a fraction of what other provinces charge.
Frequently Asked Questions
Does Alberta really have no land transfer tax?+
Correct. Alberta does not have a provincial land transfer tax. Unlike Ontario (where buyers pay up to 2.5%), BC (up to 3%), Quebec (up to 2.5%), or Manitoba, Alberta buyers pay $0 in land transfer tax. This is one of Alberta's significant cost-of-homeownership advantages. Only Alberta and Saskatchewan among major Canadian provinces have no LTT.
What are the actual closing costs in Calgary?+
While there's no LTT in Calgary, you'll still have typical closing costs: Land Titles registration fee (small — roughly $150–$300 on a typical purchase), mortgage registration fee (similar amount), legal fees ($1,500–$2,500), home inspection ($400–$600), and title insurance ($300–$500). Budget about 1–1.5% of the purchase price for total closing costs, compared to 2–4% in Ontario.
How does Alberta's LTT advantage compare to other provinces?+
The savings are substantial. On a $600,000 home: Ontario buyers pay approximately $8,475; Toronto buyers pay approximately $16,950 (double LTT); BC buyers pay approximately $100; Alberta buyers pay $0. This means Calgary buyers have $8,000–$17,000 more available for down payment, renovations, or investments compared to buyers in other major cities.
Is there a GST or HST on home purchases in Alberta?+
Alberta has no provincial sales tax and no HST. GST (5%) applies to newly built homes only — not resale. For new construction, the GST New Housing Rebate can recover part of the tax on homes priced under $450,000. Most Calgary resale purchases are GST/tax-free at the transaction level.
Are there any other property taxes to be aware of in Calgary?+
After purchase, you'll pay annual municipal property taxes to the City of Calgary based on your home's assessed value. Property tax rates vary by municipality. There is no ongoing provincial land tax in Alberta. The lack of LTT combined with no provincial sales tax makes Alberta one of the most tax-friendly provinces for homeowners.