Saskatchewan land transfer tax calculator
Saskatchewan has no land transfer tax, but the title transfer fee is 0.4% of value. Estimate what you pay at closing on your price.
Saskatchewan purchase
Your land transfer tax
Rules checked: September 2026. Source: Saskatchewan official source
About Saskatchewan land transfer tax
Saskatchewan does not charge a land transfer tax. Buyers pay a land titles fee to register the transfer, and a second fee to register the mortgage, both collected through your lawyer at closing. The transfer fee is 0.4% of the value of the title (Saskatchewan Land Titles, April 2026 schedule) — about $1,800 on a $450,000 home.
Because Saskatchewan's fee is a percentage of value, it is larger than people expect from a “no transfer tax” province: about $1,800 on a $450,000 home. It is still well under the 1.5%-plus effective rates buyers pay in Ontario or BC at that price.
What still applies in Saskatchewan
- Mortgage default insurance with less than 20% down — the premium is added to the mortgage. Saskatchewan also charges 6% PST on the premium, payable in cash at closing.
- 30-year insured amortization for first-time buyers and anyone buying a newly built home, since December 15, 2024.
- GST on a new home — 5%, with the federal new housing rebate and, for first-time buyers, the First-Time Home Buyers' GST rebate of up to $50,000 on homes up to $1 million. See the GST/HST new build calculator.
- Legal fees, title insurance and adjustments — the bulk of closing costs where there is no transfer tax. The closing costs calculator adds them up.
Other Canadian provinces
- British Columbia land transfer tax
- Alberta land transfer tax
- Manitoba land transfer tax
- Ontario land transfer tax
- Quebec land transfer tax
- New Brunswick land transfer tax
- Nova Scotia land transfer tax
- Prince Edward Island land transfer tax
- Newfoundland & Labrador land transfer tax
- Yukon land transfer tax
- Northwest Territories land transfer tax
- Nunavut land transfer tax
Related calculators
- Total closing costs — everything due in cash at closing, not just the transfer tax
- Down payment and CMHC premium
Rate source: Saskatchewan official schedule, checked 2026-09-24. Confirm the figure with your real estate lawyer before relying on it for a real transaction.
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Saskatchewan land transfer tax — common questions
- Does Saskatchewan have a land transfer tax?
- No. Saskatchewan charges a land titles fee to register the transfer instead: 0.4% of the value of the title (Saskatchewan Land Titles, April 2026 schedule). On a $500,000 home that is about $2,000, plus a separate fee to register the mortgage.
- How much will I actually pay at closing in Saskatchewan?
- The land titles fees for the transfer and the mortgage, plus your legal fees, title insurance and any tax and utility adjustments. Compared with a province charging a percentage transfer tax, that usually saves a buyer thousands of dollars on the same price.
- Why is closing cheaper here than in Ontario or BC?
- Ontario and BC tax the transfer in brackets that climb to 2% and more of the price, while Saskatchewan charges a registration fee — 0.4% of value, a fraction of those rates. On an expensive purchase the gap is large, and it is a cash-at-closing difference, not something you can add to the mortgage.
- Is there still a first-time buyer rebate?
- A rebate exists to offset a tax, and there is no transfer tax here to offset. First-time buyers in Saskatchewan instead benefit from the lower baseline cost. Federal programs such as the Home Buyers' Plan and the FHSA still apply.
- What should I budget for closing costs overall?
- Legal fees and disbursements, title insurance, a home inspection, an appraisal if your lender orders one, and tax and utility adjustments to the seller. Without a transfer tax the total is usually well under two percent of the purchase price.