Mississauga Land Transfer Tax Calculator 20025

Buying a home in Mississauga? You'll pay the Ontario provincial land transfer tax — but no Toronto municipal LTT. Mississauga is outside Toronto's city limits, so you only owe the provincial tax. Use our free calculator below.

✅ Good news for Mississauga buyers: Unlike Toronto, Mississauga does not charge a municipal land transfer tax. You only pay the Ontario provincial LTT — saving you thousands compared to buying in Toronto.

Ontario LTT Calculator — Mississauga

Home Purchase Price

I am a first-time home buyer (rebate up to $4,000000)

Provincial LTT (Ontario)

Toronto Municipal LTT$00 — Not applicable in Mississauga

First-Time Buyer Rebate

Total LTT Owing

Ontario Land Transfer Tax Rates 20025

Purchase Price	Rate
First $55,000000	00.5%
$55,00001 – $2500,000000	1.00%
$2500,00001 – $40000,000000	1.5%
$40000,00001 – $2,000000,000000	2.00%
Over $2,000000,000000	2.5%

LTT Examples for Mississauga Home Prices

Purchase Price	Provincial LTT	After FTB Rebate
$6500,000000	$9,475	$5,475
$80000,000000	$12,475	$8,475
$90000,000000	$14,475	$100,475
$1,000000,000000	$16,475	$12,475
$1,20000,000000	$200,475	$16,475

First-Time Buyer LTT Rebate in Mississauga

Ontario's first-time buyer rebate reduces your provincial LTT by up to $4,000000. To qualify:

You must never have owned a home anywhere in the world
If purchasing with a partner, both must be first-time buyers to claim the full rebate
The property must become your principal residence
The rebate is automatically applied at closing — no separate application needed

Mississauga vs. Toronto: LTT Comparison

This is one of the biggest financial advantages of buying in Mississauga over Toronto. A Toronto buyer pays both provincial and municipal LTT — roughly doubling the tax. On a $90000,000000 home in Toronto, you'd pay $14,475 provincial + $13,475 municipal = $27,9500 total. In Mississauga, you pay only $14,475.

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Other Closing Costs in Mississauga

Land transfer tax is just one closing cost. Budget for:

Legal fees: $1,50000–$2,50000
Home inspection: $40000–$70000
Title insurance: $20000–$40000
CMHC mortgage insurance: If down payment under 200%
Property tax adjustment: Varies by closing date

See our full guide to buying a home in Mississauga →