Alberta land transfer tax

Alberta land transfer tax calculator.

Q: When do I pay Alberta registration fees — and can I finance it?

It's due on closing day, paid in cash, and cannot be rolled into your mortgage. Build the full figure into your closing budget alongside legal fees and title insurance — see the closing costs calculator.

Alberta has no Land Transfer Tax. Estimate the transfer tax or registration fees for your property and buyer status.

Fact-checked by Surrayya Afzal, Principal Broker, FSRA #M14001433·Last reviewed October 2026

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The short answer

Enter the higher of price or assessed value where the province requires it, then select your location and buyer status. The result is a tax or registration estimate, not your full closing budget. Alberta includes title and assumed mortgage registration before any mortgage insurance premium is added.

Your numbers

Purchase price

No provincial first-time buyer relief modelled in AlbertaForeign / non-resident buyer (adds surcharge where applicable)

Estimated transfer tax / registration fees in Alberta

$1,115

Registration fee only (no LTT)

Breakdown

Registration fees$1,115

Tax / registration fees shown$1,115

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Why Alberta buyers pay no land transfer tax

Alberta is one of the few jurisdictions in Canada with no land transfer tax. Alberta has no Land Transfer Tax. You pay Land Titles registration fees instead — $50 plus $5 per $5,000 of value on the transfer, and $50 plus $5 per $5,000 on the mortgage. Alberta raised both legs to $5 on 20 October 2024, so any figure quoted before then understates it by more than half. For a buyer, that’s a meaningful saving: the same purchase in Ontario or BC could carry five figures of LTT on closing day, while in Alberta you pay only value-based registration fees. Land transfer tax can never be financed, so avoiding it entirely keeps your closing-day cash requirement materially lower.

This is not the total cash needed to close. Alberta includes title and assumed mortgage registration before any mortgage insurance premium is added. Legal fees and other charges must be budgeted separately.

Fold it into your closing budget

Even without LTT, once you know it, add it to your full closing costs estimate alongside legal fees, title insurance and moving costs. First-time buyer? The first-time buyer guide covers the FHSA, the RRSP Home Buyers’ Plan, and how they stack. See Alberta mortgage rate.

How this is calculated

• Alberta has no Land Transfer Tax — only Land Titles registration fees: $50 plus $5 per $5,000 of value, charged separately on the transfer and on the mortgage (rates set 20 Oct 2024). The mortgage leg here is calculated on a mortgage at the minimum down payment; a larger down payment lowers it slightly.

FAQ

Common questions

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How much is land transfer tax in Alberta?

Alberta, Saskatchewan and Newfoundland and Labrador charge registration fees instead of land transfer tax. Alberta charges no land transfer tax. Alberta has no Land Transfer Tax. You pay Land Titles registration fees instead — $50 plus $5 per $5,000 of value on the transfer, and $50 plus $5 per $5,000 on the mortgage. Alberta raised both legs to $5 on 20 October 2024, so any figure quoted before then understates it by more than half. On a typical purchase that's far less than a percentage-based land transfer tax, a major closing-cost advantage versus Ontario or BC.

Do first-time buyers get a rebate in Alberta?

Alberta does not currently offer a provincial land-transfer rebate, but the federal First-Time Home Buyers' Tax Credit (an income-tax credit worth up to $1,500) applies in every province, and the FHSA and RRSP Home Buyers' Plan help with the down payment.

When do I pay Alberta registration fees — and can I finance it?

It's due on closing day, paid in cash, and cannot be rolled into your mortgage. Build the full figure into your closing budget alongside legal fees and title insurance — see the closing costs calculator.

Does my down payment or mortgage size change the registration fees?

The title fee depends on property value; the separate mortgage-registration fee depends on the amount registered. This estimate assumes a mortgage at minimum down payment before any insurance premium.

Words to know

Land transfer tax Closing costs Down payment FHSA

Related calculators & guides

All provinces Total closing costs CMHC premium Alberta rates

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