First-Time Buyers: Programs, down payment strategies, and the buying process in our First-Time Home Buyer Guide.
How much is land transfer tax in Saskatchewan in 2026?
When you purchase property in Saskatchewan, you pay a land titles transfer fee calculated as a percentage of the property value. On the average Saskatchewan home price of approximately $360,000 to $390,000, the fee is roughly $1,950 to $2,150.
Saskatchewan’s fees are among the lower land transfer costs in Canada compared to provinces like Ontario and British Columbia.
Quick answer: On a $380,000 Saskatchewan home, expect to pay approximately $2,080 in land transfer tax — much lower than Ontario or BC.
Saskatchewan land transfer tax rates
Saskatchewan charges title transfer fees based on the following marginal rates:
| Purchase Price | Marginal Tax Rate |
|---|---|
| First $500 | 0.3% |
| $500 to $8,400 | 0.4275% |
| $8,400 to $84,000 | 0.4775% |
| $84,000 to $500,000 | 0.404% |
| Over $500,000 | 0.404% |
In addition, there is a title search fee and a registration fee that add to the total closing costs.
Example costs by home price (2026)
| Home Price | Approx. Title Transfer Fee | Compare to Ontario LTT |
|---|---|---|
| $250,000 | $1,510 | $2,225 |
| $350,000 | $1,915 | $3,725 |
| $380,000 | $2,080 | $4,175 |
| $450,000 | $2,360 | $5,475 |
| $550,000 | $2,760 | $7,475 |
| $700,000 | $3,360 | $10,475 |
As shown, Saskatchewan land transfer costs are roughly 40-60% lower than Ontario for similar home prices.
First-time homebuyer programs
Saskatchewan does not offer a first-time homebuyer land transfer tax rebate. Unlike Ontario (which offers a $4,000 rebate) or Toronto (which offers an additional $4,475 municipal rebate), Saskatchewan has no equivalent program.
However, first-time buyers in Saskatchewan can benefit from:
- First Home Savings Account (FHSA) — save up to $40,000 tax-free for your first home; see the FHSA calculator
- Home Buyers’ Plan (HBP) — withdraw up to $60,000 from your RRSP for a down payment
- First-Time Home Buyers’ Tax Credit — $10,000 federal credit ($1,500 tax savings)
- Down payment assistance — see the down payment calculator
LTT exemptions in Saskatchewan
There are limited situations where land transfer tax exemptions may apply:
- Property transfers between spouses — may be exempt from title transfer fees
- Transfers of farmed land between family members
- Property transfers to a family business corporation
Consult a real estate lawyer to determine if any exemptions apply to your transaction.
Other closing costs in Saskatchewan
Land transfer tax is just one part of your closing costs. Budget for:
| Cost | Typical Amount |
|---|---|
| Title transfer fee | $1,500 – $2,500 |
| Legal fees | $1,000 – $2,000 |
| Home inspection | $400 – $600 |
| Mortgage insurance | 2.8% – 4.0% of mortgage (if < 20% down) |
| Property tax adjustment | Varies |
| PST on mortgage insurance | 6% |
Saskatchewan charges 6% PST on mortgage default insurance premiums, adding to costs for buyers with less than 20% down.
Frequently asked questions
How much is land transfer tax in Saskatchewan?
On a $350,000 home, approximately $1,880. Saskatchewan charges title transfer fees based on marginal rates starting at 0.3%.
Is there a first-time homebuyer LTT rebate in Saskatchewan?
No. Saskatchewan does not offer a land transfer tax rebate. First-time buyers can use federal programs like the FHSA ($40,000 tax-free savings) and the Home Buyers’ Plan ($60,000 RRSP withdrawal).
Who pays land transfer tax in Saskatchewan?
The buyer pays the land titles transfer fee at the time of title registration.
Related guides
- Saskatchewan mortgage rates 2026 — Compare current rates in Regina and Saskatoon
- Saskatchewan mortgage affordability calculator — How much home can you afford?
- Saskatchewan real estate commission calculator — Commission on home sales
- Saskatchewan tax brackets 2026 — Provincial and federal rates
- Saskatchewan sales tax calculator — 11% combined GST/PST
- Down payment calculator — Plan your down payment
- FHSA calculator — $40,000 tax-free savings for first home
- Mortgage insurance calculator — CMHC premium costs
- Income needed to buy a home in Canada — Salary requirements by city
- Toronto land transfer tax calculator — Compare to Toronto’s double-LTT
Sources
- Canada Mortgage and Housing Corporation. “Rental Market Report.” cmhc-schl.gc.ca/professionals/housing-markets-data-and-research
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