Mortgage · Canada
Closing costs by province.
Land transfer tax is the part of closing costs that changes most from one province to the next. Enter one price and see what the tax and registration fees come to in seven places.
On a $600,000 home with 20% down, transfer tax and registration fees are $1,180 in Alberta, $2,675 in Saskatchewan, $10,000 in British Columbia, $8,475 in Ontario, $9,000 in Halifax, $9,924 in Manitoba and $16,950 in Toronto. Legal fees, title insurance and inspection come on top everywhere.
Inputs
Transfer tax and fees, cheapest first
Fill the form and press Calculate.
What is compared, and what is not
This page adds up only what government charges to register the transfer and the mortgage: Ontario and Toronto land transfer tax, BC property transfer tax, Alberta and Saskatchewan land title fees, Manitoba land transfer tax with its Teranet fees, and Nova Scotia’s municipal deed transfer tax at the Halifax rate of 1.5%. Legal fees, title insurance, inspection, appraisal, GST on a new build and mortgage insurance premiums come on top and are covered on each province’s page. Quebec, New Brunswick, Prince Edward Island and Newfoundland and Labrador are not in this comparison; their calculators are linked from the main closing costs page.
Why the numbers differ so much
- Alberta and Saskatchewan charge registration fees, not a tax on the value: Alberta $50 plus $5 per $5,000 (or part) on the transfer and again on the mortgage, Saskatchewan 0.4% of the title value plus a flat mortgage fee.
- Ontario, BC and Manitoba charge banded taxes that top out at 2.5%, 3% and 2%. BC and Ontario offer first-time buyer relief; Manitoba does not.
- Toronto charges a second, municipal tax on top of Ontario’s.
- Nova Scotia charges a flat municipal percentage, 1.5% in Halifax, which makes it cheap on small prices and expensive on large ones.
Worked example. On a $600,000 price with a $480,000 mortgage the sorted list is Alberta $1,180, Saskatchewan $2,675, Ontario $8,475, Nova Scotia $9,000, Manitoba $9,924, British Columbia $10,000, Toronto $16,950.
Sources and as-of dates
- Ontario land transfer tax (updated April 22, 2026) and Toronto MLTT (modified April 7, 2026).
- BC property transfer tax (updated December 3, 2025) and first time home buyers exemption (updated June 20, 2025).
- Alberta Land Titles fee schedule (effective October 1, 2026).
- ISC fee table (effective April 15, 2026).
- Manitoba land transfer tax and Teranet fees (effective January 4, 2026).
- Nova Scotia municipal deed transfer tax rates (July 2026).
Sources, read 18 October 2026: Ontario; Toronto; BC; Alberta; Saskatchewan; Manitoba; Nova Scotia.
Frequently asked questions
How much are closing fees in Canada?
It depends mostly on the province, because transfer tax differs so much. On the example above the government charges alone run from $1,180 in Alberta to $16,950 in Toronto on the same $600,000 home.
Which province has the lowest closing costs?
Alberta, where there is no land transfer tax and the registration levies come to about 0.2% of the price on a home with a mortgage. Saskatchewan is next, also with no transfer tax.
Which province has the highest closing costs?
On a mid-priced home, Toronto, because the city adds a municipal land transfer tax on top of Ontario’s. Among the provinces, Manitoba’s 2% top band starts at $200,000 and it has no first-time buyer relief.
Do first-time buyers pay less?
In Ontario, Toronto and BC, yes; the tool applies the maximum relief. Alberta, Saskatchewan, Manitoba and Nova Scotia have no first-time buyer relief against these charges.
Why is Quebec not here?
Quebec’s transfer duties (the welcome tax) work differently and are not modelled here; see the Quebec transfer duties calculator linked from the main closing costs page.
Does this include legal fees?
No. This page compares only the government charges. Use a province page for the full cash-to-close estimate, or the legal fees calculator for the lawyer’s invoice.
Estimate only — confirm with your lawyer or notary
This tool applies published rates to the numbers you type. It is not legal, tax or financial advice, it is not an official calculator of any government, and it does not look anything up in a land registry. Rules, exemptions and fee schedules change, and eligibility depends on facts it cannot see. Confirm every figure with your lawyer or notary and lender before closing.