Saskatchewan land transfer tax calculator
Saskatchewan charges no land transfer tax — the answer is $0. You still pay land titles registration fees on closing, which are calculated from the property value and the mortgage amount. On a $500,000 purchase with a $400,000 mortgage those come to $2,275.
Saskatchewan charges no land transfer tax — but you still pay to register the transfer, and that fee is calculated from the price. Enter it and we'll work out what you actually owe.
Saskatchewan does not charge a land transfer tax. That is the whole answer, and most calculators stop there — which is unhelpful, because you still pay real money on closing. Here is what it actually is.
What you pay on closing instead
| Fee | Amount | How it's calculated |
|---|---|---|
| Title transfer registration fee (Saskatchewan Land Registry) | $2,000 | Banded on the value of the title: $0–$500 = free; $500.01–$6,300 = $25.00 flat; $6,300.01 and greater = 0.4% of the value of the title. NOT capped, NOT marginal — the 0.4% applies to the FULL value once above $6,300. Example: $500,000 -> $2,000. Charged per title transferred. Current fee table effective 15 April 2026; the 0.4% rate itself was unchanged by that adjustment (it was already 0.4% in the May 2024 table). |
| Mortgage (interest) registration fee | $275 | Flat banded fee covering the first four titles/interests/shares affected: $0–$249,999.99 = $200; $250,000–$500,000 = $275; $500,000.01–$750,000 = $525; $750,000.01–$1,000,000 = $775; $1,000,000.01+ = $1,000. After the first four titles, add $55 flat per additional title/interest/share. Effective 15 April 2026 (previously $180 / $250 / $500 / $750 / $1,000). |
| Title or abstract SET-UP fee (new title created — subdivision, new build parcel, condo) | — | $0–$500 free; $500.01–$6,300 = $12.50; $6,300.01+ = 0.2% of the value of the title being set up. This is IN ADDITION to any transfer fee and is the fee most often missed on new-construction and subdivided-lot purchases. Reduced rate variants at 0.1% apply to condominium first raise of title, parcel consolidation, parcel subdivision, and adding/removing a joint tenant, but ONLY for the constant owner — additional owners pay the regular set-up fee. |
| Title transmission (deceased owner) and surviving joint tenant | — | Title transmission: $0–$500 free; $501–$8,400 = $12.50; $8,401+ = 0.15% of value. Transfer of title to surviving joint tenant: $0–$500 free; $501+ = $25.00 flat (value-independent). |
| Mortgage discharge, assignment, amendment | — | Mortgage discharge = $55 per interest register (or part). Assignment of mortgage = $60 per interest register. Amendment of mortgage = $60 per interest register plus $55 for each new title/abstract/interest/share affected. Registration of all other interests = $60 per title. Postponements = $30. Effective 15 April 2026. |
| Title print / output at registration | — | $15.00 per title when a title print is requested with registration (additional charges apply for email, fax or paper output). Alternate authority setup = $60 per title/interest/share affected. |
| Total you'll actually pay to register | $2,275 | Mandatory rows only |
This is the number other calculators don't give you. Ask most sites what land transfer tax costs in Saskatchewan and they answer "$0" and stop — which is true and useless, because you still write a real cheque at the land titles office.
What calculators get wrong here
- 0.4% IS NOT MARGINAL AND NOT CAPPED. Once value exceeds $6,300 the 0.4% applies to the entire value from dollar one. There is no top-end cap, so a $2,000,000 property pays $8,000. Calculators that treat the $6,300 band as an exemption and charge 0.4% only on the excess understate every transaction.
- THE TRANSFER RATE ROSE FROM 0.3% TO 0.4% ON 29 JULY 2023 — a 33% increase. Any page still showing 0.3% is stale by three years. Separately, the mortgage bands were raised on 15 APRIL 2026 ($180->$200, $250->$275, $500->$525, $750->$775; the $1,000 top band was unchanged). The 0.4% transfer rate was NOT changed on 15 April 2026 — do not assume both moved together.
- MORTGAGE REGISTRATION IS A FLAT BAND, NOT A PERCENTAGE. Saskatchewan is the outlier: a $400,000 mortgage costs $275 flat and a $999,000 mortgage costs $775 flat. Calculators that apply a per-thousand rate to the mortgage (as in NT/NU/NL) are badly wrong here. Note the band boundaries are inclusive at the round numbers ($250,000–$500,000 is $275; $500,000.01 starts the next band).
- THE SET-UP FEE IS THE MOST-MISSED CHARGE. When a NEW title is created — new subdivision lot, new-build parcel, condo unit — a 0.2% set-up fee applies on top of the transfer fee. On a $500,000 new build that is an extra $1,000 nobody's calculator shows. The reduced 0.1% rates apply only where at least one owner is constant before and after.
- FEES ARE CHARGED PER TITLE, AND MORTGAGE BANDS COVER ONLY THE FIRST FOUR TITLES. A property spanning multiple titles multiplies the transfer fee and adds $55 per title past the fourth on the mortgage. Relevant for acreages and some rural residential purchases.
- VALUE IS SWORN, NOT TAKEN FROM THE SALE PRICE. ISC requires a Titles Affidavit of Value completed by a person with knowledge of the parcel value, and the sworn value must match the New Title Value on the application. The registry's published guidance does NOT state a mandated assessed-value floor or a 'greater of price and assessed value' rule — do not assert one on the page; say the value is sworn and normally reflects fair market value.
The same purchase, elsewhere in Canada
What $500,000 costs to close in each jurisdiction we've verified, so you can see how much of this is geography.
| Province or territory | Tax on $500,000 |
|---|---|
| British Columbia | $8,000 |
| Manitoba | $7,650 |
| Ontario | $6,475 |
| Quebec | $5,610.50 |
| New Brunswick | $5,000 |
| Alberta | none |
| Saskatchewan you're here | none |
| Newfoundland and Labrador | none |
| Northwest Territories | none |
| Nunavut | none |
See the full cross-Canada comparison →
So what can you actually buy?
Land transfer tax is one line on a much longer bill. Tell us what you have saved and we work backwards to the most expensive home you could genuinely close on — down payment, transfer tax, the sales tax on your mortgage insurance, registration and legal, all counted. Most people find a quarter of their cash goes to things that aren't the down payment.
What can I actually close on? →Or, if you already know the price: how much cash you need on a $600,000 home →
Common questions
Does Saskatchewan have a land transfer tax?
No. Saskatchewan does not levy a land transfer tax. You still pay land titles registration fees on closing, which are calculated from the property value and the mortgage amount.
What do people get wrong about Saskatchewan land transfer tax?
0.4% IS NOT MARGINAL AND NOT CAPPED. Once value exceeds $6,300 the 0.4% applies to the entire value from dollar one. There is no top-end cap, so a $2,000,000 property pays $8,000. Calculators that treat the $6,300 band as an exemption and charge 0.4% only on the excess understate every transaction.
Rates current as of 2026-08-06. Verified against Official Saskatchewan Land Registry fee table effective 15 April 2026 — title transfer bands and 0.4%, mortgage registration bands, set-up/transmission/surviving-joint-tenant rates, discharge and amendment fees. Registry-operator publication (ISC operates the registry for the province); the underlying statutory instrument was not separately traced., Official breakdown of the 15 April 2026 adjustment showing old vs new mortgage bands ($180->$200, $250->$275, $500->$525, $750->$775) and interest-registration changes; confirms no change to the transfer percentage, Prior (May 2024) fee table — confirms the 0.4% title transfer rate and the $6,300 band were already in force before the 2026 adjustment, Titles Affidavit of Value guidance — value is sworn by a person with knowledge of value and must match New Title Value; no stated assessed-value floor. This is information, not tax advice.