FREE 2025 CALCULATOR

Hamilton Land Transfer Tax Calculator

Hamilton buyers pay only Ontario's provincial land transfer tax. No Hamilton municipal land transfer tax — great news for buyers in the Steel City.

Calculate Your Land Transfer Tax

Ontario Land Transfer Tax
$0
First-Time Buyer Rebate Applied
-$0
After Rebate
$0
Hamilton LTT Note: Hamilton is an independent city in Ontario and pays only the provincial land transfer tax. There is no Hamilton municipal land transfer tax — one of the financial advantages of buying outside Toronto.

Ontario Land Transfer Tax Rates 2025

Purchase PriceRateMax Tax in Bracket
First $55,0000.5%$275
$55,001 – $250,0001.0%$1,950
$250,001 – $400,0001.5%$2,250
$400,001 – $2,000,0002.0%$32,000
Above $2,000,0002.5%—

First-time buyer rebate: up to $4,000 (eliminates tax on homes priced up to approximately $368,000).

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Frequently Asked Questions

Does Hamilton have its own land transfer tax?+
No. Only the City of Toronto has a municipal land transfer tax in Ontario. Hamilton buyers pay only the Ontario provincial land transfer tax. This makes buying in Hamilton significantly less expensive from an LTT perspective than buying in Toronto at equivalent prices.
Who qualifies for the first-time buyer rebate in Ontario?+
To qualify for Ontario's first-time buyer rebate of up to $4,000: you must never have owned a home anywhere in the world; you must be a Canadian citizen or permanent resident; you must be at least 18 years old; and you must occupy the home as your principal residence within 9 months of closing. A spouse who has owned a home would disqualify both of you.
When do I pay land transfer tax?+
Land transfer tax is paid on the closing date of your home purchase. Your real estate lawyer handles collection and remittance. You'll need to have this cash available in addition to your down payment, not borrowed as part of your mortgage.
Are there any other closing costs I should budget for?+
Yes. Beyond land transfer tax, typical Ontario closing costs include: legal fees ($1,500–$2,500), title insurance ($300–$500), home inspection ($400–$600), mortgage default insurance (CMHC) if your down payment is under 20%, and property tax adjustments. Budget approximately 1.5–4% of the purchase price for total closing costs.
Is land transfer tax the same across all of Ontario?+
Yes, for most of Ontario. The Ontario provincial LTT applies uniformly across the province with the same rate brackets. The only exception is Toronto, which adds its own equal-sized municipal LTT on top. All other Ontario municipalities, including Hamilton, pay only the provincial rate.