Calculator
Land transfer tax calculator
See what you'll pay to register a purchase anywhere in Canada. The calculator shows each marginal bracket, applies first-time buyer rebates and uses Alberta's Land Titles fee schedule in force since October 2024.
Your numbers
No Alberta city levies a land transfer tax. This only changes the local notes.
Sets the mortgage registration fee. For a cash purchase, set it to $0 and the line disappears instead of showing the $50 base fee.
Advanced options(3)
Who you are
Alberta has no rebate, because there's no tax to rebate.
BC's newly built home exemption. In Alberta it points to the federal GST rebate instead.
Rate taken from the RateLens published table, current as of 20 October 2024 (Alberta fee schedule). Rules, premium tiers and fee schedules current as of September 16, 2026.
Alberta land transfer tax
$0
Alberta has never charged one, and no Alberta municipality can. You pay a Land Titles registration fee instead.
- Land Titles registration fees
- $1,360Transfer plus mortgage registration
- Land title transfer fee
- $750140 units of $5,000
- Mortgage registration fee
- $610112 units of $5,000
- First-time buyer rebate
- n/aNo tax, so nothing to rebate
How your fee is calculated
$50 plus $5 for every $5,000 (or part of $5,000) of value. The number of units rounds up, not the price. That rounding is the most common reason a lawyer's statement is $5 off.
| Land title transfer fee$50 + $5 × ⌈$700,000 ÷ $5,000⌉ = $50 + $5 × 140 | $750.00 |
|---|---|
| Mortgage registration fee$50 + $5 × ⌈$560,000 ÷ $5,000⌉ = $50 + $5 × 112 | $610.00 |
| Alberta land transfer taxAlberta doesn't levy one | $0.00 |
| Total payable to Land Titles | $1,360.00 |
These fees changed on 20 October 2024
- Formula
- $50 + $5 per $5,000
- Charged on
- Transfer and mortgage
- In force since
- 20 Oct 2024
- Rules as of
- September 16, 2026
Alberta's transfer fee compared with the transfer tax elsewhere. The Alberta mortgage registration fee is listed separately, because it's a fee on the loan and the others are taxes on the purchase.
- Alberta$750A registration fee. Add $610 for mortgage registration to get the all-in figure of $1,360.
- Ontario$10,475
- Toronto$20,950
- British Columbia$12,000
| Jurisdiction | Payable at closing |
|---|---|
| Alberta | $750 |
| Ontario | $10,475 |
| Toronto | $20,950 |
| British Columbia | $12,000 |
Alberta has no first-time buyer rebate
Buying new?
Other closing costs in Edmonton
The registration fee is set by the province and is the same across Alberta. The other costs vary by city.
| Municipal property tax rateAbout $7,000 a year on a $700,000 home. The City bills on its assessed value, not your purchase price | 1.00% |
|---|---|
| Typical residential legal feesPlus disbursements and title insurance | $1,200–$1,800 |
| Real Property Report with compliance stampUsually the seller's job in Alberta, but negotiable | $700–$1,300 |
| Land Titles registration | $1,360 |
City of Edmonton First Place Program
Registration is a small part of your closing costs
Legal fees, title insurance, the Real Property Report and the adjustments add up to a lot more than the registration fee. Itemize them before you remove a financing condition.
Itemize my closing costsLand Titles fees
$1,360
Land transfer tax by province and city
Each of these pages uses the same math. They differ in local prices, legal costs and municipal property tax rates. Toronto also adds a second tax on the same purchase.
- AlbertaAlberta has no land transfer tax. Work out the Land Titles registration fees you pay instead: $50 plus $5 per $5,000, on the transfer and again on the mortgage.
- EdmontonWhat it costs to register an Edmonton purchase. There's no land transfer tax, just Land Titles fees on the transfer and the mortgage, plus legal costs and property tax.
- CalgaryCalgary has no municipal land transfer tax and Alberta has no provincial one. Work out the Land Titles registration fee you pay on the transfer and the mortgage.
- OntarioCalculate Ontario land transfer tax bracket by bracket, with the first-time buyer rebate applied. The Toronto municipal tax is shown separately where it applies.
- British ColumbiaCalculate British Columbia property transfer tax by bracket, with the first-time buyer exemption, the newly built home exemption and the foreign buyer surcharge.
- TorontoToronto buyers pay Ontario land transfer tax plus a municipal land transfer tax. See both sets of brackets, both first-time buyer rebates and the total cash needed.
How this is calculated
Every figure on this page comes from one tested calculation engine. Here’s what it does.
How land transfer tax is calculated
Land transfer tax is marginal, like income tax. Each rate applies only to the part of the price that falls inside its bracket. When a price crosses into a higher bracket, the dollars below it are still taxed at the lower rates.
You pay it in cash at closing, and it can’t be added to your mortgage. That makes it a cash-flow cost instead of an interest cost. In Ontario, the City of Toronto charges a second, municipal land transfer tax on the same purchase, with its own brackets and its own rebate.
First-time buyer rebates
Each rebate has its own eligibility rules. Residency, prior ownership anywhere in the world and spousal ownership all matter. Each rebate is also capped at the tax payable, so it can never exceed the bill. Ontario’s cap is $4,000 and Toronto’s is $4,475. British Columbia’s first-time buyer exemption phases out linearly between $835,000 and $860,000. You can’t combine it with the newly built home exemption, so this tool applies whichever is worth more and tells you which one it used.
Confirm any rebate with your lawyer before you budget on it.
Comparing Alberta with other provinces
Alberta’s row is a transfer fee, and every other row is a transfer tax. Because they’re different charges, the strip compares Alberta’s transfer fee with the other provinces’ transfer tax. The Alberta mortgage registration fee is shown separately.
If you treated Alberta’s transfer fee as the all-in figure, you’d understate what you’ll be billed. If you compared the all-in figure with another province’s tax, you’d overstate the gap. The result panel shows both numbers and labels each one.
Where these numbers come from
Every bracket, fee formula and rebate cap in this tool is an effective-dated rule with a source and a date attached. A purchase priced under last year’s schedule still calculates under that schedule. We’ve checked the Alberta fee schedule against 4 independent law-firm sources and the statute. Add the rest of your closing costs.
Common questions
Does Alberta have a land transfer tax?
No. Alberta has no land transfer tax at the provincial or municipal level, and no Alberta city has the power to levy one.
You pay a Land Titles Office registration fee instead. It’s $50 plus $5 for every $5,000 (or part) of value, charged once on the transfer of title and again on the mortgage amount. On a $470,000 purchase with a $376,000 mortgage, that’s $520 + $430 = $950.
Can land transfer tax be added to my mortgage?
No. Land transfer tax and Alberta’s Land Titles registration fees are both paid in cash at closing, through your lawyer’s trust account. Neither can be financed.
That’s why an insured lender wants proof that you have 1.5% of the purchase price for closing costs, on top of your down payment.
Why do other calculators show a lower Alberta fee?
They haven’t been updated since the fees changed on 20 October 2024.
Before that date, the transfer fee was $50 + $2 per $5,000 and the mortgage registration fee was $50 + $1.50 per $5,000. The transfer fee is now 2.5× higher and the registration fee is more than 3× higher.
On a $470,000 purchase, the old schedule works out to roughly $402. Today it’s $950. If you’ve been quoted about $400, that quote uses a schedule that hasn’t applied since October 2024.
Is there an Alberta first-time home buyer rebate?
No. Alberta has no land transfer tax, so there’s nothing to rebate.
In Ontario, a first-time buyer can claim up to $4,000 back, and in Toronto another $4,475. Those rebates reduce a tax Alberta buyers never pay, and they come with eligibility tests, forms and a wait.
If you’re buying a new build, look at the federal First-Time Home Buyers’ GST Rebate. It’s worth up to $50,000 on a home priced up to $1 million, phasing to zero at $1.5 million. That’s much larger than any provincial land transfer tax rebate in the country.
What if I'm buying with cash and no mortgage?
In Alberta, you only pay the transfer fee. There’s no mortgage registration fee at all, not even the $50 base fee. Set the mortgage amount to zero and the calculator drops that line.
In other provinces, the mortgage amount makes no difference, because the tax is charged on the purchase price instead of the loan.
What to work out next
- Closing costsEvery other line on your statement of adjustments, itemized for Alberta.
- Down paymentThe rest of the cash you need, and the legal minimum at your price.
- CMHC insurance premiumThe premium, plus the sales tax on it that 4 provinces charge in cash.
- AffordabilityThe income you'd need for the price you have in mind.
- First-time buyer plannerThe federal GST rebate on a new build, worth more than any LTT rebate.
- Move comparisonIf you're moving from Ontario or BC, compare every cost of the move.
This calculator provides estimates only. Results are based on the information you enter and on assumptions that may not reflect your actual qualification, rate or costs. These include semi-annual, not-in-advance compounding for fixed rates, as required under section 6 of the federal Interest Act, and the mortgage default insurance premium tiers published by CMHC, Sagen and Canada Guaranty. It is not mortgage advice, a quote, a rate hold, a pre-approval or an offer of credit, and RateLens does not guarantee its accuracy or completeness. Your actual rate, payment, default insurance premium and closing costs will depend on your credit profile, income, the property, the lender’s current rates and policies, and other factors confirmed during a full application.
Alberta charges no land transfer tax. Alberta purchasers pay Land Titles Office registration fees instead: $50 plus $5 per $5,000 of value (or part thereof), charged separately on the property transfer and on the mortgage registration, effective 20 October 2024. Elsewhere, land transfer tax varies by province and, in some municipalities, by city: Ontario charges provincial land transfer tax and the City of Toronto charges an additional municipal land transfer tax; British Columbia charges Property Transfer Tax. First-time buyer rebates and exemptions differ by jurisdiction and are subject to eligibility conditions. Alberta has none, because it levies no land transfer tax to rebate. Confirm current rates, fees and rebate ceilings with the relevant provincial, territorial or municipal authority.
Rules snapshot: September 16, 2026. Rates shown are calculation assumptions, not confirmed offers. Speak with Daniel De Sousa, Mortgage Associate, for a personalized quote. Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage, a licensed mortgage brokerage licensed by RECA.
Daniel De Sousa, Mortgage Associate, is licensed by the Real Estate Council of Alberta and registered with Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage.
Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage is a mortgage brokerage licensed by the Real Estate Council of Alberta (RECA). Verify our licence on RECA ProCheck(opens in a new tab)
RateLens is a trade name used by Daniel De Sousa, Mortgage Associate, licensed in Alberta by the Real Estate Council of Alberta and registered with Indi The Independent Mortgage Company Ltd. o/a Indi Mortgage.
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