Updated: April 2025 | bremo.io financial guides

Oshawa Ontario Land Transfer Tax Calculator 2025

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Buying a home in Oshawa means paying Ontario's Provincial Land Transfer Tax at closing. The good news: unlike Toronto, Oshawa has no municipal land transfer tax. You only pay the provincial amount. This calculator and guide shows you exactly what you'll owe, what first-time buyers can recover, and how Oshawa's LTT compares to buying in Toronto.

Ontario LTT Calculator — Oshawa

Purchase Price ($): I am a first-time home buyer

Ontario LTT Rates (2025) — Applicable in Oshawa

Purchase Price Portion	Tax Rate
First $55,000	0.5%
$55,001 – $250,000	1.0%
$250,001 – $400,000	1.5%
$400,001 – $2,000,000	2.0%
Above $2,000,000	2.5%

LTT Examples at Oshawa Home Prices

Oshawa detached home prices typically range from $650,000 to $900,000. Here's what the LTT looks like at common price points:

Purchase Price	Gross LTT	After FTB Rebate
$550,000	$8,475	$4,475
$650,000	$10,475	$6,475
$750,000	$12,475	$8,475
$850,000	$14,475	$10,475
$950,000	$16,475	$12,475
$1,100,000	$19,475	$15,475

Oshawa vs. Toronto LTT Savings: A buyer purchasing a $750,000 home in Oshawa pays $12,475 in LTT. The same purchase in Toronto would cost approximately $24,475 (provincial + municipal). Buying in Oshawa saves you $12,000 in LTT alone — a significant portion of your closing costs.

First-Time Home Buyer Rebate in Oshawa

Ontario's first-time home buyer rebate reduces your LTT by up to $4,000. Eligibility requirements:

Must be 18 or older
Must occupy as principal residence within 9 months of closing
Must never have owned an eligible home anywhere in the world
Spouse or common-law partner also must never have owned a home (or your rebate is proportionately reduced)

The rebate fully offsets LTT on Oshawa purchases up to approximately $368,000. Above that price, you receive the full $4,000 rebate and pay the balance. At $750,000, you'd owe $12,475 − $4,000 = $8,475 net LTT.

Other Closing Costs to Budget in Oshawa

Legal fees: $1,200–$2,500
Home inspection: $400–$600
Title insurance: $200–$400
CMHC premium: Added to mortgage if less than 20% down
Property tax adjustment: Reimburse seller for prepaid taxes
Moving costs: $1,500–$4,000 for a GTA-adjacent move to Oshawa

LTT Planning Tips for Oshawa Buyers

Claim the first-time buyer rebate if eligible — up to $4,000 back at closing
Use an FHSA to save tax-free for your down payment AND closing costs (LTT is a closing cost)
Budget for total closing costs of 2–3% of purchase price
Include LTT in your down payment savings plan — it's due at closing, not rolled into the mortgage

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