GST HST New Homes Calculator Canada

Estimated GST/HST:

Enter the purchase details to see GST/HST amount.

How GST and HST Apply to New Home Purchases in Canada

When buying a brand-new or substantially renovated residential property in Canada, buyers are usually required to pay Goods and Services Tax (GST) or Harmonized Sales Tax (HST), depending on the province. These taxes are applied to the full purchase price of the property and can significantly impact the overall cost.

Provincial GST/HST Rates on New Homes

• Ontario: 13% HST
• British Columbia: 5% GST (plus possible provincial property transfer tax)
• Alberta: 5% GST only
• Nova Scotia: 15% HST
• Quebec: 14.975% (GST + QST)

How the Calculator Works

This tool calculates GST or HST based on:

• Your selected province
• The total purchase price of the home

It then applies the relevant percentage and displays the total tax you would owe at closing. In some cases, homebuyers may be eligible for a GST/HST rebate, particularly if the home is intended to be a primary residence.

Example

Suppose you're purchasing a $600,000 home in Ontario. The 13% HST applied results in: $600,000 × 0.13 = $78,000 in HST

New Housing Rebate

The Canadian government offers a partial GST/HST rebate for homes under $450,000 (full rebate) and a partial rebate up to $500,000. If you're eligible, your actual payable amount could be reduced. This calculator does not currently factor in the rebate automatically.

Do You Pay GST/HST on All Homes?

• Yes – On newly constructed and substantially renovated homes
• No – On most resale properties (typically exempt)

Why This Calculator Helps

• Provides a quick estimate of additional tax costs
• Helps budget more accurately for new home buyers
• Useful for comparing real estate investments across provinces

Always confirm your GST/HST obligations with your builder or tax advisor. Rules may vary for builder-included pricing and commercial property conversions.