Updated: April 2025  |  bremo.io financial guides

Oshawa Ontario Land Transfer Tax Calculator 2025

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 Rates (2025) — Applicable in Oshawa

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:

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