Calculate your Ontario land transfer tax for St. Catharines property purchases. Includes first-time buyer rebate up to $4,000. No Toronto municipal tax applies here.
Note: St. Catharines is NOT in the City of Toronto. Only the provincial Ontario LTT applies — no Toronto municipal land transfer tax.
| Purchase Price | Ontario LTT | After FTB Rebate |
|---|---|---|
| $400,000 | $4,475 | $475 |
| $500,000 | $6,475 | $2,475 |
| $600,000 | $8,475 | $4,475 |
| $750,000 | $11,475 | $7,475 |
| $900,000 | $14,475 | $10,475 |
| $1,200,000 | $20,475 | $16,475 |
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Get KOHO Free — Use Code 45ET55JSYAWhen you purchase a property in St. Catharines, you pay the Ontario provincial land transfer tax. Unlike buyers in the City of Toronto, St. Catharines buyers do NOT pay a second municipal land transfer tax — only the single provincial tax applies.
The Ontario LTT is paid on closing day and must be factored into your total home-buying budget. First-time buyers can receive a rebate of up to $4,000, which effectively eliminates the LTT on homes priced under approximately $368,000.
The tax is calculated on a progressive bracket system, similar to income tax. Each dollar of purchase price is taxed at the applicable rate for that bracket — not the top rate on the entire amount.
Ontario's first-time buyer land transfer tax rebate provides up to $4,000 off your LTT. To qualify:
The rebate is applied at closing and reduces your LTT payable directly — no need to apply separately after the fact.
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No. The Toronto municipal land transfer tax only applies within the City of Toronto boundaries. St. Catharines buyers pay only the provincial Ontario LTT.
Ontario LTT is paid on closing day through your real estate lawyer. It is included in your closing costs statement and paid before you receive the keys.
No. Ontario law requires the buyer to pay the land transfer tax. It cannot be transferred to the seller or negotiated away.
Yes. Ontario LTT applies to new construction homes as well as resale properties. The tax is based on the total purchase price including HST if applicable.