Hamilton Land Transfer Tax Calculator
Enter a price and see exactly what you owe on closing. This has to be paid in cash — it cannot be added to your mortgage.
Prefilled with the average selling price in Hamilton, July 2026 (RAHB).
Qualifying first-time buyers pay nothing on the first $368,000 of price. Above that the refund is capped at $4,000.
Non-Resident Speculation Tax of 25% applies province-wide.
1.52% of the purchase price
How Ontario calculates it
The 2.5% top bracket applies to one and two-unit residential properties. Other property types cap at 2.0% above $400,000.
| Portion of the purchase price | Rate |
|---|---|
| $0 – $55,000 | 0.50% |
| $55,000 – $250,000 | 1.0% |
| $250,000 – $400,000 | 1.50% |
| $400,000 – $2,000,000 | 2.0% |
| Over $2,000,000 | 2.50% |
A worked example
On the average selling price of $741,172 in Hamilton, July 2026.
| Ontario land transfer tax | $11,295.00 |
| Total on $741,000 | $11,295.00 |
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.
$11,295
On $741,000
$1,100–$3,000
Lawyer, disbursements, title insurance
$49,100
Statutory minimum on $741,000
See the full Hamilton closing cost breakdown →
Our lowest five-year fixed today is 3.87% on an insured file. See the Ontario rate board →
Questions
How much is land transfer tax in Hamilton?
On a $741,000 purchase you would pay $11,295.00. The tax is charged in bands, so the effective rate rises with the price — here it works out to 1.52%.
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 Ontario?
Qualifying first-time buyers pay nothing on the first $368,000 of price. Above that the refund is capped at $4,000. On the example above that is worth $4,000.00.
What if the buyer is not a Canadian resident?
Non-Resident Speculation Tax adds 25% of the purchase price, applying province-wide. It is charged on top of the ordinary transfer tax, and on a typical purchase it is the largest single line on the statement of adjustments.
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 ontario.ca, checked 22 August 2026, effective 2017-01-01. Price data: average selling price, July 2026, RAHB. 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