Canada rank ($750k)
#5
← Land transfer tax by city
Land transfer tax · 2026
Hamilton land transfer tax
Rank #5 at $750k · $11,475 · Ontario land transfer tax
Hamilton land transfer tax snapshot
Hamilton purchasers pay Ontario LTT. First-time buyer refunds (max $4,000) apply under provincial rules when eligible.
$750k net tax
$11,475
Effective rate
1.53%
Tax stack
Ontario land transfer tax
Province
Ontario
$1M net tax
$16,475
How Hamilton taxes property transfers
Hamilton purchasers pay Ontario LTT. First-time buyer refunds (max $4,000) apply under provincial rules when eligible.
At $750,000 purchase price (1–2 single-family residence), modeled net tax is about $11,475 (rank #5 of 11; effective ~1.53%).
Hamilton sits between Calgary ($0) and Toronto ($22,950) on this vignette.
First-time buyer relief in Hamilton
Eligible first-time purchasers may claim a provincial LTT refund up to $4,000 (conveyances on/after Jan 1, 2017). Citizen/PR rules, principal-residence occupancy within nine months, and an 18-month application window apply (ontario.ca).
Hamilton is outside Toronto, so there is no MLTT layer and no Toronto MLTT rebate — only the provincial LTT refund may apply when eligible.
Ranking vignettes leave FTB relief off. Toggle first-time buyer in the land transfer tax calculator to see net tax after refunds.
Foreign-buyer surcharges (Ontario)
Ontario NRST is 25% of the value of consideration on residential property province-wide for foreign nationals, foreign corporations, and taxable trustees (ontario.ca; rate from Oct 25, 2022).
Toronto’s separate MNRST does not apply outside the City of Toronto.
Foreign surcharges are excluded from this ranking baseline.
What this city page excludes
First-time buyer refunds/credits and foreign-buyer surcharges (unless you personalize in the calculator).
Registration administration fees (e.g. Toronto MLTT admin fee), legal fees, title insurance, and statement-of-adjustments items.
Annual municipal property tax — linked separately below.
Compare Hamilton with another city
Compare any two cities
Closing land transfer / property transfer tax at $750,000 purchase price.
Hamilton land transfer tax by price
Single-family residence · not first-time · not foreign buyer · 2026.
| Purchase price | Gross tax | Rebate | Net tax | Effective |
|---|---|---|---|---|
| $500,000 | $6,475 | $0 | $6,475 | 1.3% |
| $750,000 | $11,475 | $0 | $11,475 | 1.53% |
| $1,000,000 | $16,475 | $0 | $16,475 | 1.65% |
| $1,500,000 | $26,475 | $0 | $26,475 | 1.77% |
Vignette ($750,000 purchase price (1–2 single-family residence)): $11,475 net · 1.53%.
Buyer relief reference (Canada)
Official program caps across provinces. City-specific notes are in the sections above; ranking vignettes leave relief off.
Ontario LTT refund — max $4,000
Eligible first-time purchasers may claim a provincial LTT refund up to $4,000 (conveyances on/after Jan 1, 2017). Citizen/PR rules, principal-residence occupancy within nine months, and an 18-month application window apply (ontario.ca).
Toronto MLTT rebate — max $4,475
City of Toronto offers a separate first-time purchaser MLTT rebate up to $4,475 on top of the Ontario refund when eligibility criteria are met (toronto.ca rebate opportunities).
BC FTHBP — full FMV ≤ $835,000
From Apr 1, 2024, qualifying first-time buyers can exempt PTT on the first $500,000 when FMV ≤ $835,000; partial relief under $860,000. Property size and improvement rules apply (gov.bc.ca).
Québec accès credit — max $5,875
For acquisitions after Dec 31, 2025 (tax year 2026+), Revenu Québec’s refundable crédit d’impôt pour l’accès à la propriété reimburses municipal transfer duties up to $5,875. It is claimed on the tax return and phases out above a $750,000 tax base.
Closing & payment timing
Ontario / Toronto — at registration
Provincial LTT and Toronto MLTT are generally collected when the transfer is registered. First-time refunds are often netted at registration or claimed within 18 months afterward.
British Columbia — at Land Title registration
PTT returns are filed and tax is paid when the interest is registered at the Land Title Office, unless an exemption (including FTHBP) applies.
Montréal — 30 days after billing
Ville de Montréal bills transfer duties after the transfer; the invoice is payable in one instalment within 30 days of the billing date.
Ville de Québec — up to three instalments
When the bill exceeds $300, Québec City allows three equal payments without interest at 30, 90, and 150 days after the account is sent. Bills of $300 or less are due in full within 30 days.
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.
“Québec transfer duties always equal the sale price × brackets.”
The tax base is the highest of consideration paid, consideration stipulated, and market value (assessment × comparative factor). Montréal’s 2026 factor is 1.00; Québec City’s is 1.08 — so assessment-based bases can exceed the negotiated price.
“The Québec first-home credit reduces tax at closing.”
The crédit d’impôt pour l’accès à la propriété (max $5,875) is a refundable tax credit claimed on the Québec return for tax year 2026+, not a municipal rebate netted on the statement of adjustments.
How to use this page
- Read the $750k ranking: See which cities cost the most at closing on a shared purchase price.
- Open a city page: Review the local tax stack, price ladder, FTB notes, and payment timing.
- Compare two cities: Use Toronto vs Mississauga, Toronto vs Vancouver, or Calgary vs Toronto.
- Personalize: Run your price, FTB, and foreign-buyer flags in the land transfer tax calculator.
Related cities & tools
Calgary
MontrealGlossary
- Land transfer tax (Ontario)
- Provincial tax on the purchase of land in Ontario under the Land Transfer Tax Act. First-time purchaser refunds max $4,000.
- MLTT
- Toronto Municipal Land Transfer Tax — stacked on Ontario LTT for purchases in the City of Toronto. Graduated SFR rates from Apr 1, 2026; first-time rebate max $4,475.
- NRST / MNRST
- Ontario Non-Resident Speculation Tax (25% from Oct 25, 2022) province-wide for foreign nationals/corporations/taxable trustees. Toronto MNRST adds 10% from Jan 1, 2025.
- Property transfer tax (BC)
- British Columbia’s provincial tax on transfers of registered land interest (1% / 2% / 3% general brackets plus extra 2% on residential value over $3M).
- Additional PTT (BC foreign)
- 20% additional tax on the residential FMV share for foreign nationals/corporations/taxable trustees in specified areas (including Metro Vancouver and Capital Regional District).
- FTHBP
- BC First Time Home Buyers’ Program — from Apr 1, 2024 exempts PTT on the first $500,000 when FMV ≤ $835,000 (partial under $860,000).
- Welcome tax / droits de mutation
- Québec municipal transfer duties on property transfers. Provincial law sets minimum brackets; cities such as Montréal and Québec may adopt higher rates above $500,000. Tax base is the highest of three statutory amounts.
- Accès à la propriété credit
- Québec refundable tax credit (2026+) reimbursing municipal transfer duties up to $5,875; claimed on the tax return, not at closing.
- First-time buyer relief
- Ontario/Toronto refunds, BC FTHBP exemption, and Québec accès à la propriété credit — modeled in the calculator, not in the ranking baseline.
Hamilton land transfer tax FAQs
At $750,000 purchase price (1–2 single-family residence), modeled net tax is about $11,475 (Ontario land transfer tax, rank #5). Hamilton purchasers pay Ontario LTT. First-time buyer refunds (max $4,000) apply under provincial rules when eligible.
Ontario land transfer tax. Hamilton purchasers pay Ontario LTT. First-time buyer refunds (max $4,000) apply under provincial rules when eligible.
$500,000 → $6,475; $750,000 → $11,475; $1,000,000 → $16,475; $1,500,000 → $26,475. Effective rate at $750k ≈ 1.53%.
Ontario offers a first-time purchaser LTT refund up to $4,000 when eligible (citizen/PR, principal residence within 9 months, no prior home ownership worldwide). Apply within 18 months. Not included in the ranking baseline.
Ontario LTT (and Toronto MLTT, if applicable) is generally paid when the transfer is registered. First-time refunds are often claimed at registration or within 18 months afterward.
No. Land transfer tax is paid at purchase. Annual municipal property tax is a separate ongoing levy — see Property Tax by City Canada.