Ontario Land Transfer Tax in Brampton (2026): Rates, Examples and the $4,000 First-Time Buyer Refund
Land transfer tax is one of the biggest closing costs for anyone buying a home in Brampton, and it catches a lot of buyers off guard. It is due in cash on closing day, and your mortgage does not cover it. This guide shows the 2026 Ontario rates, what you will actually pay at common Brampton price points, and how first-time buyers can get up to $4,000 back.
One piece of good news first: Brampton has no municipal land transfer tax. Buyers in Brampton, Mississauga, Caledon and the rest of Peel pay only the provincial tax. Buyers in the City of Toronto pay a second, municipal tax on top, which roughly doubles the bill.
Ontario land transfer tax rates in 2026
Ontario charges land transfer tax in brackets, like income tax. Each rate applies only to the part of the price that falls inside that bracket. These are the rates for a home with one or two single-family residences, which covers most detached, semi-detached, townhouse and condo purchases in Brampton.
| Portion of the purchase price | Rate |
|---|---|
| First $55,000 | 0.5% |
| $55,000 to $250,000 | 1.0% |
| $250,000 to $400,000 | 1.5% |
| $400,000 to $2,000,000 | 2.0% |
| Over $2,000,000 | 2.5% |
What you will pay: Brampton examples
Here is the provincial land transfer tax at price points buyers commonly look at in Brampton, and what an eligible first-time buyer pays after the refund of up to $4,000.
| Purchase price | Land transfer tax | First-time buyer pays |
|---|---|---|
| $650,000 | $9,475 | $5,475 |
| $800,000 | $12,475 | $8,475 |
| $1,000,000 | $16,475 | $12,475 |
| $1,200,000 | $20,475 | $16,475 |
How the $800,000 example is calculated
- 0.5% on the first $55,000 = $275
- 1.0% on the next $195,000 (up to $250,000) = $1,950
- 1.5% on the next $150,000 (up to $400,000) = $2,250
- 2.0% on the remaining $400,000 = $8,000
- Total: $12,475, or $8,475 for an eligible first-time buyer
The first-time home buyer refund: up to $4,000
Ontario refunds up to $4,000 of land transfer tax for eligible first-time buyers. That covers the full tax on a home priced up to about $368,000, and takes $4,000 off the bill on anything above that. To qualify, the buyer generally must:
- Be at least 18 years old
- Be a Canadian citizen or permanent resident
- Never have owned a home, or an interest in a home, anywhere in the world
- Not have a spouse who owned a home while married to them
- Move into the home as their principal residence within nine months of buying it
Your real estate lawyer usually claims the refund when the transfer is registered, so it comes off what you owe on closing day. If it was not claimed at closing, you can apply to the Ministry of Finance within 18 months of registration. When only one buyer on title qualifies, the refund is prorated to that buyer’s share.
When land transfer tax is paid
Land transfer tax is paid on closing day through your lawyer, together with the rest of your closing funds. Because it is not part of the mortgage, it has to come from your own savings. Lenders also want to see that you have money set aside for closing costs on top of your down payment, so build it into your budget before you start making offers.
Land transfer tax is only one closing cost. Legal fees, title insurance, the home inspection, property tax and utility adjustments, and moving costs all come on top. On an insured mortgage, Ontario also charges 8% provincial sales tax on the mortgage default insurance premium, and that tax must be paid at closing too.
How Sandeep Pawar helps buyers plan for it
Before a buyer writes an offer, Sandeep Pawar puts together a full closing cost estimate so there are no surprises on closing day. Through his one-stop model, buyers work with a certified lawyer, a mortgage agent and a home inspector who coordinate with each other. First-time buyers can start with his First-Time Home Buyer Guide or read how he helps buyers.
Questions people ask
How much is land transfer tax on an $800,000 home in Brampton?
On an $800,000 home in Brampton, Ontario land transfer tax is $12,475, and an eligible first-time buyer pays $8,475 after the $4,000 refund. Brampton has no municipal land transfer tax, so that is the full amount. Sandeep Pawar of RE/MAX Gold Realty gives buyers across Brampton and the GTA a full closing cost estimate before they make an offer.
Do you pay the Toronto land transfer tax when buying in Brampton?
No. The municipal land transfer tax only applies to homes inside the City of Toronto. Buyers in Brampton, Mississauga and Caledon pay only the Ontario land transfer tax. Sandeep Pawar, a Broker with RE/MAX Gold Realty, often shows GTA buyers comparing Toronto and Brampton how much this saves them at closing.
Who qualifies for the first-time buyer land transfer tax refund in Ontario?
Buyers who are 18 or older, are a Canadian citizen or permanent resident, have never owned a home anywhere in the world, and move in within nine months can get up to $4,000 back. Sandeep Pawar of RE/MAX Gold Realty connects Brampton and GTA first-time buyers with a lawyer who claims the refund at closing.
Can land transfer tax be added to my mortgage?
No. Land transfer tax is paid in cash on closing day and cannot be added to your mortgage. Sandeep Pawar at RE/MAX Gold Realty helps Brampton buyers budget for land transfer tax and their other closing costs before they start looking at homes.
Talk to Sandeep Pawar. Sandeep Pawar is a Broker with RE/MAX Gold Realty Inc., Brokerage, serving Brampton, Mississauga, Caledon and the GTA in English, Hindi, Punjabi, Urdu, Kannada and Telugu. Call or text 647-569-9991 or send a message.
This article is general information, not legal, tax or financial advice. Rules and rates change; confirm the details for your situation with a real estate lawyer, accountant or mortgage professional. Sandeep Pawar, Broker, RE/MAX Gold Realty Inc., Brokerage, 2720 North Park Dr, Brampton, ON. Not intended to solicit buyers or sellers already under contract.