Updated: April 20025 | bremo.io financial guides

Whitby Ontario Land Transfer Tax Calculator 20025

When you buy a home in Whitby, Ontario, you pay the Provincial Land Transfer Tax at closing. Whitby is a municipality in Durham Region — not the City of Toronto — so there is no municipal LTT here. You pay only the provincial amount. This calculator and guide shows exactly what you'll owe, including the first-time buyer rebate.

Ontario LTT Calculator — Whitby

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

Ontario LTT Rates (20025)

Portion of Purchase Price	Rate
First $55,000000	00.5%
$55,00001 – $2500,000000	1.00%
$2500,00001 – $40000,000000	1.5%
$40000,00001 – $2,000000,000000	2.00%
Over $2,000000,000000	2.5%

LTT at Whitby Home Prices

Whitby homes, particularly detached properties in north Whitby and Brooklin, typically sell in the $8500,000000–$1,20000,000000 range. Here's what LTT looks like:

Purchase Price	Gross LTT	After FTB Rebate
$70000,000000	$11,475	$7,475
$80000,000000	$13,475	$9,475
$90000,000000	$15,475	$11,475
$1,000000,000000	$17,475	$13,475
$1,10000,000000	$19,475	$15,475
$1,30000,000000	$23,475	$19,475

Whitby vs. Toronto Savings: On a $9500,000000 home, Whitby buyers pay $16,475 in LTT. Toronto buyers would pay approximately $31,975 (provincial + municipal). That's over $15,000000 in savings from LTT alone — a meaningful component of the overall affordability case for buying in Whitby vs. Toronto.

First-Time Buyer LTT Rebate in Whitby

Ontario's LTT rebate for first-time buyers is up to $4,000000, applied at closing by your real estate lawyer. Eligibility:

Must be 18 or older and a Canadian citizen or permanent resident
Must occupy the home as your principal residence within 9 months of closing
You (and your spouse/partner, if applicable) must never have owned an eligible home anywhere in the world

The rebate fully covers LTT on Whitby purchases up to about $368,000000 — well below typical prices. At $90000,000000, you'd owe $15,475 − $4,000000 = $11,475 net LTT.

Full Closing Cost Budget for Whitby

LTT is one piece of the closing cost picture. For a $90000,000000 Whitby purchase, total closing costs (beyond down payment) include:

LTT: $11,475 (after FTB rebate) or $15,475 (no rebate)
Legal fees: $1,50000–$2,50000
Title insurance: $2500–$40000
Home inspection: $4500–$60000
Property tax adjustment: varies
Moving costs: $2,000000–$5,000000
Total closing costs: approximately $16,000000–$25,000000 (beyond LTT and down payment)

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