Five calculators in this hub estimate the provincial taxes and fees that come with property: land transfer tax when you buy, the Quebec welcome tax, British Columbia’s property transfer tax, the extra tax for non-resident buyers, and probate fees when an estate passes on. Every figure follows the 2026 provincial schedules.
Provinces set these charges themselves, and the formulas differ so much that one national figure would mislead you. That is why each tool starts from your province.
Which land transfer tax calculator should a buyer open?
- Land Transfer Tax Calculator
Estimate land transfer tax, first-time buyer rebates and transfer charges by province.
- BC Property Transfer Tax Calculator
Estimate British Columbia property transfer tax and the first-time buyer exemption.
- Welcome Tax Calculator for Quebec
Estimate the Quebec welcome tax (droits de mutation) on a home purchase, with Montreal brackets.
- Non-Resident Buyer Tax Calculator
Estimate the extra tax a foreign buyer pays in Ontario, British Columbia and Nova Scotia.
- Probate Fee and Estate Administration Tax Calculator
Estimate the probate fee or estate administration tax in your province or territory.
For Ontario, Toronto, Nova Scotia and the other provinces that charge on a sliding scale, start with the land transfer tax calculator, first-time buyer relief included. In Ontario the buyer pays the tax when the deal closes, and Ontario’s land transfer tax page notes that buyers in the City of Toronto may owe the city’s own municipal land transfer tax as well. Quebec calls its charge the welcome tax and lets each municipality add brackets of its own, so it has a dedicated welcome tax calculator.
How is British Columbia’s property transfer tax worked out?
In British Columbia, the buyer pays 1% on the first $200,000 of fair market value, 2% on the portion up to $2,000,000 and 3% above that, according to the BC government’s property transfer tax page. A further 2% applies to the residential value above $3 million. On a $1,000,000 home that works out to $2,000 plus $16,000, or $18,000 before any exemption. The property transfer tax calculator runs the same brackets and applies the first-time buyer and newly built home exemptions where you qualify.
What do non-resident buyers pay on top?
Foreign buyers face an extra tax in Ontario, British Columbia and Nova Scotia. Ontario’s Non-Resident Speculation Tax is 25% of the price, per the province’s page, and an overpayment can be claimed back. The non-resident buyer tax calculator shows the amount, the rate and the refund rules for the province you pick.
What are probate fees and who pays them?
Probate is the court process that confirms a will, and it costs money. Some provinces charge a flat fee and others take a percentage of the estate. The estate administration tax and probate fee calculator shows the rate for every province and territory side by side, including Ontario’s estate administration tax.
What else belongs in a closing budget?
Transfer tax sits next to legal fees, adjustments and moving costs, and your lawyer or notary collects the total on closing day. The closing costs calculator adds up a whole purchase, and the first-time buyer benefits calculator shows which rebates and credits you may qualify for. Rates and thresholds change, so get the final number from your lawyer or notary before closing day.
Frequently asked questions
Does every province charge land transfer tax?
No. Alberta and Saskatchewan ask only for small registration fees. Ontario, Quebec, BC and most others tax the price.
Does the buyer or the seller pay?
The buyer, normally on closing day. Your lawyer or notary collects it along with the rest of your closing money.
Can first-time buyers get relief?
Often. Ontario, British Columbia and Prince Edward Island offer rebates or exemptions with conditions, and the tools apply them when you choose that option.
Are probate fees the same everywhere?
No. They run from small flat fees to a percentage of the estate, and Quebec doesn't charge them for notarial wills.
Does Toronto have its own land transfer tax?
Yes. Buyers of property in the City of Toronto may pay the city's municipal land transfer tax on top of Ontario's provincial tax. The land transfer tax calculator shows both amounts when you choose Toronto.
How much is the non-resident buyer tax in Ontario?
Ontario's Non-Resident Speculation Tax is 25% of the purchase price. British Columbia and Nova Scotia charge their own extra taxes on foreign buyers. The non-resident buyer tax calculator shows the amount for the province you choose.