Manitoba Closing Costs Calculator

Calculate closing costs for buying a home in Manitoba. Includes land transfer tax with tiered rates from 0% to 2%, legal fees, and title insurance costs.

Manitoba’s closing costs are moderate by Canadian standards, driven primarily by the provincial land transfer tax with tiered rates from 0% on the first $30,000 up to 2% on amounts above $200,000. On a $350,000 purchase, the land transfer tax is approximately $4,650, which is lower than Ontario or BC but higher than provinces like Alberta or Saskatchewan that have no land transfer tax.

Unlike Ontario and BC, Manitoba does not offer a first-time home buyer exemption on the land transfer tax — all buyers pay the full tax regardless of purchase history. Combined with legal fees of $1,000–$2,000 and other standard costs, Manitoba’s total closing costs are manageable for most buyers due to the province’s affordable home prices.

Manitoba Land Transfer Tax Rates

Manitoba’s land transfer tax uses a tiered rate structure: 0% on the first $30,000, 0.5% on $30,001–$90,000, 1.0% on $90,001–$150,000, 1.5% on $150,001–$200,000, and 2.0% on amounts above $200,000. On a $350,000 home, the total land transfer tax is approximately $4,650. On a $500,000 home, it increases to approximately $7,650.

The tax is payable at the time of property registration and is collected by the Land Titles Office. Unlike some provinces where the tax is billed separately, Manitoba’s land transfer tax is typically handled through your lawyer at closing. Buyers should ensure this amount is included in their closing cost budget alongside legal fees and other expenses.

No First-Time Buyer Exemption

Unlike Ontario and BC, Manitoba does not offer a land transfer tax exemption or rebate for first-time home buyers. All buyers pay the full land transfer tax regardless of whether it is their first home purchase. On a $350,000 home, the full tax of approximately $4,650 must be paid at closing.

However, Manitoba’s affordable home prices mean that the land transfer tax is still relatively modest in absolute terms compared to Ontario or BC. First-time buyers can access federal programs including the Home Buyers’ Plan (HBP) for RRSP withdrawals up to $60,000 and the First Home Savings Account (FHSA) to help cover the down payment and closing costs.

Key Facts

  • Manitoba’s land transfer tax uses tiered rates: 0% on the first $30K, 0.5% on $30K–$90K, 1.0% on $90K–$150K, 1.5% on $150K–$200K, and 2.0% above $200K.
  • Manitoba does not offer a first-time buyer exemption on the land transfer tax — all buyers pay the full tax.
  • On a $350,000 purchase, the total land transfer tax is approximately $4,650.
  • Legal fees in Manitoba typically range from $1,000 to $2,000 plus disbursements.
  • Title insurance ($300–$500) is required by most lenders and covers title defects and fraud protection.

FAQ

How much are closing costs on a $350,000 home in Manitoba?

Expect approximately $4,650 in land transfer tax, $1,000–$2,000 in legal fees, $300–$500 for title insurance, and $300–$600 for a home inspection — totaling roughly $6,500–$8,000. Manitoba does not offer a first-time buyer exemption, so all buyers pay the full land transfer tax.

Do first-time buyers in Manitoba pay land transfer tax?

Yes. Unlike Ontario and BC, Manitoba does not offer any exemption or rebate on the land transfer tax for first-time buyers. All buyers pay the full tax at closing. On a $350,000 home, the land transfer tax is approximately $4,650. Federal programs like the Home Buyers’ Plan and FHSA can help with the overall down payment and closing cost burden.

What are the land transfer tax rates in Manitoba?

Manitoba uses tiered rates: 0% on the first $30,000, 0.5% on $30,001–$90,000, 1.0% on $90,001–$150,000, 1.5% on $150,001–$200,000, and 2.0% on amounts above $200,000. On a $350,000 purchase, the tax is approximately $4,650. On a $500,000 purchase, it is approximately $7,650. The tax is payable at closing through your lawyer.

Can I include Manitoba closing costs in my mortgage?

Generally, no. Land transfer tax, legal fees, and title insurance must be paid from your own funds at closing. CMHC mortgage insurance premiums can be added to the mortgage. Some lenders offer cash-back promotions that can help offset closing costs, but these typically come with higher interest rates. Plan to have closing costs available in cash on top of your down payment.

Updated March 2026. Information on this page is provided for educational purposes only. Tax rules, rates, and government programs may change — verify details with the CRA or a qualified financial advisor.