Does Saskatchewan have land transfer tax?

No, Saskatchewan does not have a land transfer tax. Instead, it charges a land titles transfer fee, which is 0.4% of the property value for properties valued over $6,300 (a flat $25 fee applies between $500.01 and $6,300, and transfers of $500 or less are free). Mortgage registration is a separate, tiered fee.

How much are Saskatchewan land titles fees?

For properties valued over $6,300, Saskatchewan charges a land titles transfer fee of 0.4% of the property value. Mortgage registration is charged separately on a tiered scale starting at $200 for mortgages up to $249,999.99. For a $300,000 home with a $240,000 mortgage, the total fees would be approximately $1,400.

Is there a first-time homebuyer exemption in Saskatchewan?

Saskatchewan does not offer a first-time homebuyer exemption for land title fees. However, first-time buyers may benefit from federal programs like the Home Buyers' Plan (HBP) and the First Home Savings Account (FHSA).

How does Saskatchewan compare to other provinces for transfer costs?

Saskatchewan's land titles transfer fee of 0.4% is much lower than the land transfer taxes in provinces like Ontario (up to 2.5%) or BC (up to 5%). On a $500,000 home, the Saskatchewan title transfer fee alone is about $2,000, compared to $6,475 in Ontario land transfer tax.

Saskatchewan Land Transfer Tax Calculator 2026

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 transfer fee based on the property value and a separate, tiered mortgage registration fee.

Registration Fees

Saskatchewan Land Titles Fee Schedule

Saskatchewan does not charge a land transfer tax. Instead, the following fees apply through Information Services Corporation (ISC), Saskatchewan’s land registry operator.

Land Titles Transfer Fee (Title or Abstract Transfer)

Property Value	Fee
$0 to $500	Free
$500.01 to $6,300	$25
Over $6,300	0.4% of property value

Mortgage Registration Fee

Mortgage registration is billed on a tiered scale based on the mortgage amount (rates effective April 15, 2026):

Mortgage Amount	Fee
$0 to $249,999.99	$200
$250,000 to $500,000	$275
$500,000.01 to $750,000	$525
$750,000.01 to $1,000,000	$775

How to Calculate Saskatchewan Fees

Example: For a $300,000 home with a $240,000 mortgage:

Land Titles Transfer Fee:

$300,000 x 0.4% = $1,200

Mortgage Registration Fee:

$240,000 falls in the $0–$249,999.99 tier: $200

Total Saskatchewan Fees: $1,200 + $200 = $1,400

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	~$1,400 (fees, incl. mortgage registration)
Ontario	$2,975 (LTT)
BC	$4,000 (PTT)
Manitoba	$3,650 (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 (assumes 80% LTV mortgage)

Purchase Price	Land Titles Fee (0.4%)	Mortgage Registration	Total
$250,000	$1,000	$200	$1,200
$300,000	$1,200	$200	$1,400
$350,000	$1,400	$275	$1,675
$400,000	$1,600	$275	$1,875
$500,000	$2,000	$275	$2,275
$600,000	$2,400	$275	$2,675
$700,000	$2,800	$525	$3,325

Mortgage registration fee assumes an 80% loan-to-value mortgage (20% down payment) and uses the mortgage-amount tier it falls into, not the purchase price.

Saskatchewan vs All Provinces

Province	Transfer Cost on $400K Home	Type
Alberta	$0	No land transfer tax or fee on purchase
Saskatchewan	$1,875	Land titles fee + mortgage registration (not a tax)
Newfoundland & Labrador	~$1,700	Registration fees
Ontario	$4,475	Progressive LTT
Manitoba	~$5,650	Progressive LTT
BC	$6,000	Progressive PTT
Quebec (Montreal)	~$4,111	Welcome Tax

Saskatchewan is one of the most affordable provinces for transfer costs — only Alberta and the territories are typically lower.

Total Closing Costs in Saskatchewan

Closing Cost	Estimated Amount ($350K home)
Land titles transfer fee (0.4%)	$1,400
Mortgage registration fee	$275
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	$3,725–$5,575

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.