Ottawa
$11,475
$750k net · rank #7
Ontario land transfer tax
Ottawa profile →2026Ottawa vs Toronto Land Transfer Tax
Ottawa has the lower modeled closing tax by $11,475 at $750,000. Compare closing tax stacks across purchase-price scenarios.
By Sammy S. · Founder · AuthorUpdated for 2026
Lower closing tax
Ottawa is lower
$11,475 vs $22,950, a $11,475 difference.
Side-by-side scoreboard
Toronto
$22,950
$750k net · rank #11
Ontario LTT + Toronto MLTT
Toronto profile →Key takeaways
- Ottawa is lower by about $11,475 ($11,475 vs $22,950).
- Ottawa: Ontario land transfer tax. Toronto: Ontario LTT + Toronto MLTT.
- Across prices, the $750k gap is about $11,475; check $500k / $1M / $1.5M in the scenario table.
- FTB relief (Ontario max $4,000 + Toronto MLTT $4,475; BC FTHBP; Québec max $5,875) and foreign-buyer taxes are off — personalize in the calculator.
- This is closing tax only, not annual property tax.
How to read Ottawa vs Toronto
Compare net tax at the same purchase price. When jurisdictions match (e.g. two Ontario cities outside Toronto, or Vancouver vs Victoria), the gap should be $0 on this model.
The gap is driven by different tax stacks — for example Toronto’s MLTT premium, Montréal vs Québec City brackets, or Alberta’s $0 provincial LTT versus a taxed province.
First-time buyer and foreign-buyer rules differ by province and can reorder outcomes once toggled in the calculator.
Relief and surcharges not in this compare
Ontario first-time refunds (max $4,000), Toronto MLTT rebate (max $4,475), BC FTHBP (full FMV ≤ $835,000), and Québec’s accès credit (max $5,875) are excluded from both columns.
Foreign layers — Ontario NRST 25%, Toronto MNRST 10%, BC additional PTT 20% in specified areas — are also excluded.
Québec tax base can exceed purchase price when assessment × comparative factor is higher; this table uses purchase price for both cities.
What this compare does not include
Land titles registration fees, legal fees, title insurance, and MLTT administration fees.
Annual property tax, vacancy taxes, and development charges.
Use city profiles for payment timing and the Land Transfer Tax Calculator Canada for personalized flags.
Common myths vs official rules
“Mississauga has the same land transfer tax as Toronto.”
Mississauga pays Ontario LTT only. Toronto stacks MLTT. At $750k that is about $11,475 vs $22,950 — a $11,475 municipal premium (City of Toronto MLTT).
“Vancouver’s transfer tax is a city tax.”
BC property transfer tax is provincial. Vancouver and Victoria model the same PTT at the same price (~$13,000 at $750k). Annual municipal property tax rates still differ by city.
“Alberta buyers pay a provincial land transfer tax.”
Alberta does not levy a provincial land transfer tax. Calgary and Edmonton show $0 in this model. Land titles registration fees and legal costs still apply and are not included here.
Scenario comparison
Net land / property transfer tax by purchase price (SFR, not FTB, not foreign buyer).
| Price | Ottawa | Toronto | Δ |
|---|---|---|---|
| $500,000 | $6,475 | $12,950 | $6,475 |
| $750,000 | $11,475 | $22,950 | $11,475 |
| $1,000,000 | $16,475 | $32,950 | $16,475 |
| $1,500,000 | $26,475 | $52,950 | $26,475 |
Compare another pair
Compare any two cities
Closing land transfer / property transfer tax at $750,000 purchase price.
Related tools
Ottawa vs Toronto FAQs
Ottawa is lower by about $11,475 at $750,000 purchase price (1–2 single-family residence) ($11,475 vs $22,950).
Ottawa: Ontario land transfer tax. Toronto: Ontario LTT + Toronto MLTT. Ottawa uses Ontario provincial LTT only — there is no municipal land transfer tax stacked on top like Toronto’s MLTT. Buyers pay Ontario land transfer tax plus Toronto municipal land transfer tax (MLTT). SFR MLTT bands apply from April 1, 2026 (City of Toronto).
Often yes — Ontario refunds (max $4,000; Toronto MLTT +$4,475), BC FTHBP (full FMV ≤ $835,000), and Québec’s accès credit (max $5,875). This ranking leaves FTB off so cities share one baseline — toggle FTB in the land transfer tax calculator.
At $750k the gap is about $11,475. Check the scenario table for $500k / $1M / $1.5M — Toronto’s MLTT and Montréal’s upper brackets widen faster than base Ontario or Québec schedules.
No. This hub models land / property transfer tax (or $0 where a province has none). Title registration fees, legal fees, and adjustments are separate closing costs.
No — land transfer tax is a one-time closing cost. For ongoing municipal property tax rates, use Property Tax by City Canada.