What a home costs in Brampton, what you pay to close, and how much a physician program lets you buy.
Benchmark price for Brampton, July 2026, from the Toronto Regional Real Estate Board, Market Watch July 2026, City of Brampton. Other cities show the MLS Home Price Index benchmark unless marked. Figures reviewed August 2026.
A physician program could add
$0
to the home you can buy.
Estimate at 4.49%, stress tested at 6.49%, with 10% down, below the $1.5M insured limit.
Brampton is in Peel Region, outside the City of Toronto, so buyers pay only the Ontario provincial land transfer tax. On a $920,000 home the provincial LTT is roughly $14,900, with no municipal surcharge to add.
Sources: Ontario Ministry of Finance, calculating land transfer tax; Ontario, land transfer tax refunds for first-time homebuyers. Rates reviewed August 2026.
Physician programs qualify residents on $185,000 in PGY-1 and PGY-2 and $225,000 from PGY-3, not on these salaries.
PARO, PARO-OTH arbitration decision, September 24, 2024, in effect from July 2025. The agreement expired June 30, 2026. PARO states its terms, including salary, stay in effect until a new agreement is reached. No 2026 grid had been published when this table was reviewed.
Does Brampton charge the Toronto land transfer tax?
No. Brampton is in Peel Region, outside the City of Toronto, so buyers pay only the Ontario provincial land transfer tax with no municipal surcharge. On a $920,000 home that is roughly $14,900.
Is Brampton a good value market for GTA physicians?
For physicians who want GTA and hospital access at a lower entry point, yes. Brampton is more attainable than Toronto and Mississauga, and avoids the City of Toronto municipal land transfer tax.
