The biggest difference in physician closing costs between Canadian cities is the local land transfer tax. Each city page covers that, the teaching hospitals, the market, and the questions doctors ask before buying there.
Before first-time buyer relief. Computed from each province’s and city’s published schedule, reviewed August 2026. Sources are listed on each city page.
Board prices for July 2026, or the latest month published, reviewed August 2026. Each city page names its board.
Which Canadian cities have no land transfer tax?
Alberta and Saskatchewan charge no land transfer tax, only a land titles registration fee: $800 in Alberta and $3,000 in Saskatchewan on a $750,000 home. Newfoundland and Labrador charges a deed registration fee instead of a transfer tax.
See CalgaryWhich city charges two land transfer taxes?
Toronto. A buyer pays the Ontario land transfer tax and the Toronto municipal land transfer tax, $23,053 in total on a $750,000 home, against $11,475 anywhere else in Ontario.
See TorontoDo first-time buyers get the tax back?
In some provinces. Ontario refunds up to $4,000 and Toronto up to $4,475 more. BC exempts the tax on the first $500,000 for homes up to $835,000, phasing out by $860,000, which is $8,000 on a $750,000 home. PEI waives its tax for a qualifying first-time buyer.
Buying during residencyHow is the welcome tax worked out in Quebec?
Quebec transfer duties run 0.5% on the first $62,900, 1% to $315,000 and 1.5% above that, using the 2026 thresholds. Montreal, Quebec City, Laval, Gatineau and Sherbrooke add higher brackets on more expensive homes.
See Montreal
