Property & Housing
The taxes and costs that land on you when you buy a home in Ontario — starting with the one most buyers underestimate. These tools price the closing-day bills, not the mortgage.
Land transfer tax is the big one-time cost that catches Ontario buyers off guard, and it's worse in Toronto, where the city adds a second municipal tax on top of the provincial one. First-time buyers can claw some of it back through two separate rebates. The calculator here works out the full picture for any Ontario purchase, Toronto or not.