Alberta Land Transfer Tax Calculator
Alberta does not charge a land transfer tax. You pay land title registration fees instead, which on a typical purchase costs a few hundred dollars rather than several thousand.
Alberta has no first-time buyer rebate on this charge.
Alberta charges a separate registration fee on the mortgage itself.
0.11% of the purchase price
How Alberta calculates it
Alberta charges no land transfer tax. You pay a land title registration fee on the property and a second fee on the mortgage — together they usually come to a few hundred dollars, not the thousands a transfer tax costs.
A worked example
On a $500,000 purchase in Alberta.
| Land title registration fees | $550.00 |
| Total on $500,000 | $550.00 |
Buying is one date. Renewal is the next.
Your lender contacts you at 30 days, when you have no time to shop. We reach you at 90 — early enough to lock a hold and personalize your offers.
What this costs you against everything else on closing
Land transfer tax is usually the single largest closing cost, and the one buyers most often forget to budget for. It is due the day you take possession and no lender will finance it.
$550
On $500,000
$1,100–$3,000
Lawyer, disbursements, title insurance
$25,000
Statutory minimum on $500,000
See the full Alberta closing cost breakdown →
Our lowest five-year fixed today is 3.87% on an insured file. See the Alberta rate board →
Questions
How much is land transfer tax in Alberta?
On a $500,000 purchase you would pay $550.00. The tax is charged in bands, so the effective rate rises with the price — here it works out to 0.11%.
Can I add land transfer tax to my mortgage?
No. It is a closing cost and must be paid in cash on the day you take possession, along with your legal fees and adjustments. Lenders want to see it in your bank account before they will fund — most ask for proof of roughly 1.5% of the purchase price in closing costs on top of your down payment.
Is there a first-time buyer rebate in Alberta?
No. Alberta does not offer a first-time buyer rebate on this charge. Federal programs — the Home Buyers' Plan and the FHSA — still apply.
Does Alberta have a land transfer tax at all?
Alberta charges no land transfer tax. You pay a land title registration fee on the property and a second fee on the mortgage — together they usually come to a few hundred dollars, not the thousands a transfer tax costs. That difference is real money: the same purchase in Ontario or British Columbia would cost several thousand dollars more on closing day.
When exactly is it due?
Your lawyer or notary collects it as part of your closing funds and remits it when the transfer is registered. It is on your statement of adjustments, due the day you get the keys.
Bracket and rebate figures are taken from alberta.ca, checked 22 August 2026, effective 2024-10-20. This calculator is an estimate for planning. Your lawyer or notary produces the binding figure on your statement of adjustments.
Knowing the tax is half of it. Knowing the rate is the other half.
The published rate is where you start. What you are actually offered depends on credit, income, property and loan-to-value — a licensed broker can tell you which, and we can introduce you to one.
Get matched with a broker