Calculate the land titles transfer fees for your home purchase in Saskatchewan. Saskatchewan does not charge a land transfer tax — instead, there is a modest land titles fee based on the property value and a flat mortgage registration fee.
Saskatchewan Land Titles Fee Schedule
Saskatchewan does not charge a land transfer tax. Instead, the following fees apply through the Information Services Corporation (ISC):
Land Titles Transfer Fee
| Property Value | Fee |
|---|---|
| $0 to $500 | $0 |
| $501 to $8,400 | $25 |
| Over $8,400 | 0.3% of property value |
Mortgage Registration Fee
A flat fee of $160 is charged for the registration of a new mortgage.
How to Calculate Saskatchewan Fees
Example: For a $300,000 home with a mortgage:
Land Titles Transfer Fee:
- $300,000 x 0.3% = $900
Mortgage Registration Fee:
- $160
Total Saskatchewan Fees: $900 + $160 = $1,060
Saskatchewan vs Other Provinces
Saskatchewan’s fee-based system results in significantly lower costs compared to provinces with percentage-based land transfer taxes:
| Province | Cost on $300,000 Home |
|---|---|
| Saskatchewan | ~$1,060 (fees) |
| Ontario | $2,975 (LTT) |
| BC | $4,000 (PTT) |
| Manitoba | $1,650 (LTT) |
First-Time Homebuyer Programs in Saskatchewan
Saskatchewan does not offer a provincial first-time homebuyer exemption for land titles fees. However, first-time buyers can take advantage of several federal programs to help with their purchase:
- Home Buyers’ Plan (HBP): Withdraw up to $60,000 from your RRSP tax-free for a first home purchase
- First Home Savings Account (FHSA): Save up to $40,000 tax-free for your first home
- Home Buyers’ Tax Credit: Federal non-refundable tax credit of up to $1,500
Other Closing Costs in Saskatchewan
While Saskatchewan’s fee-based system keeps transfer costs low, there are still other closing costs to budget for when buying a home. These include legal fees, title insurance, a home inspection, property tax adjustments, and mortgage default insurance if your down payment is under 20%. Use our closing costs calculator to estimate the full cost of buying a home in Saskatchewan, 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.
Saskatchewan Fees by Home Price
| Purchase Price | Land Titles Fee (0.3%) | Mortgage Registration | Total |
|---|---|---|---|
| $250,000 | $750 | $160 | $910 |
| $300,000 | $900 | $160 | $1,060 |
| $350,000 | $1,050 | $160 | $1,210 |
| $400,000 | $1,200 | $160 | $1,360 |
| $500,000 | $1,500 | $160 | $1,660 |
| $600,000 | $1,800 | $160 | $1,960 |
| $700,000 | $2,100 | $160 | $2,260 |
Saskatchewan vs All Provinces
| Province | Transfer Cost on $400K Home | Type |
|---|---|---|
| Saskatchewan | $1,360 | Land titles fees (not a tax) |
| Newfoundland & Labrador | ~$1,700 | Registration fees |
| Alberta | $0 | No land transfer tax or fee on purchase |
| Manitoba | ~$5,450 | Progressive LTT |
| Ontario | $4,475 | Progressive LTT |
| BC | $6,000 | Progressive PTT |
| Quebec (Montreal) | ~$5,600 | Welcome Tax |
Saskatchewan is one of the most affordable provinces for transfer costs — only Alberta has no costs at all.
Total Closing Costs in Saskatchewan
| Closing Cost | Estimated Amount ($350K home) |
|---|---|
| Land titles transfer fee (0.3%) | $1,050 |
| Mortgage registration fee | $160 |
| Legal fees | $1,000–$1,500 |
| Title insurance | $150–$300 |
| Home inspection | $400–$600 |
| Property tax adjustment | $500–$1,500 |
| PST on CMHC insurance (if applicable) | Varies |
| Total estimated closing costs | $3,260–$5,110 |
Budget approximately 1%–2% of the purchase price for closing costs in Saskatchewan — significantly less than Ontario or BC.
One Important Note: PST on Mortgage Insurance
Saskatchewan charges 6% PST on CMHC mortgage default insurance premiums. If your down payment is under 20% and you require CMHC insurance, the PST on the premium must be paid upfront at closing (it cannot be added to the mortgage). This can add $1,000–$4,000 to your closing costs depending on your mortgage amount.