Ontario LTT for Oshawa home purchases — Durham Region means provincial tax only, no Toronto municipal tax
Ontario Land Transfer Tax Calculator — Oshawa
Oshawa is in Durham Region. Only Ontario provincial LTT applies — no Toronto municipal land transfer tax.
Ontario Land Transfer Tax (Gross):
Ontario Land Transfer Tax Rates (2025)
Purchase Price Range
Tax Rate
Marginal Tax on This Bracket
First $55,000
0.5%
Up to $275
$55,001 – $250,000
1.0%
Up to $1,950
$250,001 – $400,000
1.5%
Up to $2,250
$400,001 – $2,000,000
2.0%
Up to $32,000
Over $2,000,000
2.5%
—
First-Time Buyer Rebate
—
Up to $4,000 back
Oshawa Home Prices and LTT Examples
Oshawa offers some of the most affordable housing in the GTA. Typical 2025 price ranges and their LTT:
Property Type
Typical Price
LTT (New Buyer)
LTT (First-Time)
Condo apartment
$450,000
$5,475
$1,475
Townhouse
$600,000
$8,475
$4,475
Detached — central
$750,000
$11,475
$7,475
Detached — north Oshawa
$850,000
$13,475
$9,475
Does Oshawa have a municipal land transfer tax?
No. Oshawa is in Durham Region, not the City of Toronto. Only Ontario's provincial Land Transfer Tax applies in Oshawa. This is a significant advantage over buying in Toronto proper (including Scarborough), where buyers pay both provincial and Toronto municipal LTT — effectively doubling the tax.
What is the first-time homebuyer LTT rebate in Ontario?
Ontario first-time homebuyers can receive a rebate of up to $4,000 on provincial Land Transfer Tax. To qualify, you must be a Canadian citizen or permanent resident, be 18 or older, occupy the property as your principal residence within 9 months, and never have owned a home anywhere in the world. If buying with a spouse, your spouse also must never have owned a home.
When is land transfer tax due in Oshawa?
Land Transfer Tax is due on your closing date, when title of the property transfers to you. Your real estate lawyer will arrange payment to the Ontario government as part of the closing process. The tax is calculated on the purchase price shown in the Agreement of Purchase and Sale.
Save on Banking While You Save for Your Oshawa Home
KOHO's zero-fee account with 3% savings interest helps Oshawa first-time buyers maximize their down payment. No monthly fees means every dollar works harder. Use code 45ET55JSYA for a welcome bonus.
Disclaimer: This calculator provides estimates based on Ontario LTT rates. Actual amounts may vary. Always confirm with your real estate lawyer. Not legal or financial advice.