Alberta Land Title Registration Fees Calculator (2026)
Last updated
Alberta has no provincial land transfer tax — closings instead pay Land Title registration fees on the title and the mortgage. Effective Oct 20, 2024 the formula is $50 base + $5 per $5,000 (rounded up to the next $5,000) for both the title and the mortgage registration. Cash purchases pay only the title fee.
Alberta's closing-cost picture is structurally different from every other Canadian province with active calculators on this site. Alberta has NO land transfer tax — the fees due at closing are Land Title registration fees only, levied on (a) the registration of the new title in the buyer's name and (b) the registration of the new mortgage charge against title (if any). Cash purchases skip the mortgage fee entirely.
How this calculator works
Both fees use the same formula:
fee = $50 + ceiling(amount / $5,000) × $5
Title fee uses amount = property_value; mortgage fee
uses amount = mortgage_principal. The ceiling rule
means values round UP to the next $5,000 increment before the
$5/increment is applied.
Source: Alberta — Register a land title document or plan. Effective
October 20, 2024 per Alberta Budget 2024 Land Titles Registration
Levy. Values in data/land-transfer-tax-ab.json.
Worked examples
- $500K property + $400K mortgage: Title $50 + 100×$5 = $550; Mortgage $50 + 80×$5 = $450. Total $1,000.
- $1M property + $800K mortgage: Title $50 + 200×$5 = $1,050; Mortgage $50 + 160×$5 = $850. Total $1,900.
- $2M property cash purchase: Title $50 + 400×$5 = $2,050. Mortgage $0. Total $2,050.
For comparison: a $1M residential purchase in Toronto pays ~$32,950 in provincial LTT + Toronto MLTT, plus closing costs. The same $1M Calgary purchase pays $1,900 in registration fees. The roughly $30,000 closing-cost gap is real and one of the structural advantages Alberta retains in housing affordability.
Frequently asked questions
Why is Alberta so much cheaper than BC or Ontario at closing?
Alberta is the only Canadian province (along with Saskatchewan in part) that does not levy a percentage-based land transfer tax. The Land Title registration fees are flat-rate and very small — typically $1,000–$2,000 even on a million-dollar property — compared to provincial LTT of $30,000+ on the same property in BC or Ontario. This is one reason Alberta closing costs feel substantially lower than other provinces. Note: Alberta DOES levy a Goods and Services Tax (GST, 5% federal) on new construction; it just doesn't have a provincial sales tax or land transfer tax.
What changed on October 20, 2024?
Per Alberta Budget 2024, the registration fee structure was unified at $50 base + $5 per $5,000 of value for both title and mortgage registration. Pre-October-20-2024, the title fee was $50 + $2 per $5,000 and the mortgage fee was $50 + $1.50 per $5,000 — both have approximately doubled under the new formula. The new rates apply to all registrations from October 20, 2024 onward; pre-cutover transactions used the old formula.
Why does $501,000 pay the same fee as $505,000?
The $5/$5,000 increment uses 'or part thereof' rounding — values are rounded UP to the next $5,000 increment before the fee is applied. ceiling(501,000 / 5,000) = 101 increments × $5 = $505 + $50 base = $555 title fee. Same for $505,000: ceiling(505,000 / 5,000) = 101 increments × $5 = $555. The next jump occurs at $505,001, which rounds up to 102 increments → $560.
Sources
Every figure on this page traces back to a primary Canadian authority. See the complete sources index for the master list.
Verified against Alberta Land Titles registration fee schedule plus four independent law-firm secondaries (Bennett Jones, Kahane Law, Cassels, Deeded) on .
Important
This calculator is for informational purposes only. It is not financial, tax, mortgage, or legal advice. Tax rates, mortgage rules, and contribution limits change. Always verify current rules with the relevant Canadian authority and consult a licensed professional before making financial decisions.