Calculate the land transfer tax on your home purchase in Manitoba. Manitoba uses a progressive tiered system with rates ranging from 0% on the first $30,000 to 2% on amounts over $200,000. Land transfer tax is a key closing cost to consider when buying a home in Manitoba.
Manitoba Land Transfer Tax Rates
Manitoba land transfer tax is calculated using a progressive tiered system based on the property’s fair market value.
| Property Value | Marginal Tax Rate |
|---|---|
| First $30,000 | 0% (exempt) |
| $30,001 to $90,000 | 0.5% |
| $90,001 to $150,000 | 1.0% |
| $150,001 to $200,000 | 1.5% |
| Over $200,000 | 2.0% |
How to Calculate Manitoba Land Transfer Tax
Let’s calculate the land transfer tax on a $300,000 home in Manitoba.
The first $30,000 is exempt (0%):
- $30,000 x 0% = $0
$30,001 to $90,000 is taxed at 0.5%:
- $60,000 x 0.5% = $300
$90,001 to $150,000 is taxed at 1.0%:
- $60,000 x 1.0% = $600
$150,001 to $200,000 is taxed at 1.5%:
- $50,000 x 1.5% = $750
$200,001 to $300,000 is taxed at 2.0%:
- $100,000 x 2.0% = $2,000
Total Manitoba LTT: $0 + $300 + $600 + $750 + $2,000 = $3,650
First-Time Homebuyer Programs in Manitoba
Manitoba does not currently offer a first-time homebuyer rebate for land transfer tax. However, the first $30,000 of every property purchase is exempt from LTT, providing some relief for all buyers.
First-time buyers may also benefit from the federal Home Buyers’ Plan (HBP) for RRSP withdrawals and the First Home Savings Account (FHSA).
Other Closing Costs in Manitoba
Land transfer tax is an important closing cost in Manitoba, but buyers should also budget for legal fees, title insurance, a home inspection, property tax adjustments, and mortgage default insurance if their down payment is less than 20%. Together, closing costs in Manitoba typically range from 1.5% to 4% of the purchase price. Use our closing costs calculator to get a full estimate of buying costs in Manitoba, and our mortgage calculator to plan your monthly mortgage payments.
Land Transfer Tax in Other Provinces
Land transfer tax rates and rules vary across Canada. See our Land Transfer Tax Calculator for a complete comparison of rates in all provinces and territories.
Manitoba LTT by Home Price
| Purchase Price | Manitoba LTT | Effective Rate |
|---|---|---|
| $200,000 | $1,900 | 0.95% |
| $250,000 | $2,900 | 1.16% |
| $300,000 | $3,650 | 1.22% |
| $350,000 | $4,650 | 1.33% |
| $400,000 | $5,650 | 1.41% |
| $500,000 | $7,650 | 1.53% |
| $600,000 | $9,650 | 1.61% |
| $800,000 | $13,650 | 1.71% |
Manitoba vs Other Prairie Provinces
| Province | Transfer Cost on $400K Home | Notes |
|---|---|---|
| Alberta | $0 | No LTT |
| Saskatchewan | $1,360 | Land titles fees only |
| Manitoba | $5,650 | Progressive LTT (2% top rate) |
Manitoba’s LTT is significantly higher than its prairie neighbours. Buyers moving from Alberta or Saskatchewan often find this a significant adjustment.
Manitoba vs National Average
| Province | Transfer Cost on $500K Home | FTB Rebate? |
|---|---|---|
| Alberta | $0 | No LTT |
| Saskatchewan | $1,660 | — |
| Newfoundland & Labrador | ~$2,100 | — |
| Manitoba | $7,650 | No |
| Ontario | $6,475 | Up to $4,000 |
| BC | $8,000 | Up to $8,000 |
| Toronto buyers | $6,475 + $6,475 | Up to $8,000 combined |
| Quebec (Montreal) | ~$7,000 | — |
Total Closing Costs in Manitoba
| Closing Cost | Estimated Amount ($350K home) |
|---|---|
| Land Transfer Tax | $4,650 |
| Legal fees | $1,000–$1,500 |
| Title insurance | $150–$300 |
| Home inspection | $400–$600 |
| Property tax adjustment | $600–$1,500 |
| Moving expenses | $500–$2,000 |
| Total estimated closing costs | $7,300–$10,550 |
Budget approximately 2%–3% of the purchase price for closing costs in Manitoba. The LTT is the single largest cost for most buyers.
Winnipeg-Specific Notes
Buyers in Winnipeg should also note that Manitoba charges 7% RST (Retail Sales Tax) on CMHC mortgage insurance premiums, payable upfront at closing. This is the same as Saskatchewan’s PST on insurance and adds $1,000–$4,000 for buyers with under 20% down. This cannot be added to the mortgage — it must be paid at closing.