Compare every Niagara municipality — St. Catharines, Niagara Falls, Welland, NOTL, and more. Includes Ontario LTT calculator and city-by-city market breakdown.
The same Ontario Land Transfer Tax rates apply across all Niagara Region municipalities. No city in Niagara charges a municipal LTT.
The Niagara Region encompasses 12 municipalities stretching from Niagara-on-the-Lake on Lake Ontario to Fort Erie on Lake Erie, with the Niagara Escarpment and the famous Niagara Falls at its heart. It is one of Canada's most geographically diverse and culturally rich regions.
For home buyers, the Niagara Region offers compelling value: lower prices than the GTA and Hamilton, no municipal land transfer tax anywhere in the region, strong rental demand in tourism-adjacent areas, and world-class natural attractions. The QEW provides highway access to Hamilton and Toronto, while the Peace Bridge offers U.S. border access.
| City / Town | Typical Detached Price | LTT (est.) | Character |
|---|---|---|---|
| St. Catharines | $560,000–$750,000 | $8,100–$11,475 | Urban, university town |
| Niagara Falls | $520,000–$720,000 | $7,475–$10,875 | Tourism, mixed housing |
| Welland | $400,000–$560,000 | $4,475–$8,100 | Affordable, canal city |
| Niagara-on-the-Lake | $900,000–$2,500,000+ | $14,975–$55,000+ | Luxury, heritage, wine |
| Thorold | $450,000–$620,000 | $5,475–$9,100 | Growing, near Brock |
| Fort Erie | $420,000–$620,000 | $4,975–$9,100 | Border town, beach |
| Pelham | $680,000–$1,000,000 | $10,475–$16,475 | Upscale, escarpment |
| Lincoln | $580,000–$900,000 | $8,475–$14,475 | Wine country |
| Port Colborne | $380,000–$560,000 | $4,225–$8,100 | Lakeside, affordable |
Every municipality in the Niagara Region applies the same provincial Ontario Land Transfer Tax rates. Not a single Niagara municipality charges an additional municipal LTT — this is a major advantage for buyers compared to Toronto, where the municipal LTT can add $100–$30,000+ to closing costs.
First-time buyers across all Niagara communities are eligible for the provincial rebate up to $4,000. Full details at bremo.io/ontario-land-transfer-tax.
Earn $100 cash bonus with code 45ET55JSYA when you open a KOHO account. No monthly fees, real interest on savings, and up to 5% cash back — perfect for building your Niagara Region down payment.
Claim $100 Bonus — Code: 45ET55JSYAWelland, Port Colborne, and Thorold offer the most accessible price points for first-time buyers. Lower purchase prices mean the $4,000 LTT rebate covers a greater share of the tax, and mortgage qualification is more achievable for newer buyers.
Pelham, Lincoln, and St. Catharines' suburban areas (Grantham, Merritton) are consistently rated highly for schools, community, and outdoor access. The Niagara Escarpment trail system and Bruce Trail provide exceptional recreational opportunities.
Tourism-adjacent areas near Niagara Falls, Niagara-on-the-Lake, and Crystal Beach (Fort Erie) have attracted significant short-term rental investment. Check local municipality regulations before purchasing for rental use.
The QEW corridor connects Niagara to Hamilton and Toronto. GO Bus service from St. Catharines and Niagara Falls provides commuter access to the GO network. The planned Niagara Region transit improvements aim to better connect communities within the region.