Nova Scotia Mortgage Calculator
Calculate your Nova Scotia mortgage payment with CMHC premiums and deed transfer tax.
Useful for home buyers in Halifax, Sydney, Dartmouth, Truro, New Glasgow, and all of Nova Scotia.
Useful for home buyers in Halifax, Sydney, Dartmouth, Truro, New Glasgow, and all of Nova Scotia.
Why use a Nova Scotia Mortgage Calculator?
Nova Scotia has a deed transfer tax, legal costs, and CMHC insurance. This calculator estimates your payment, CMHC premium, and closing costs.
Nova Scotia has a deed transfer tax, legal costs, and CMHC insurance. This calculator estimates your payment, CMHC premium, and closing costs.
Result
Enter your details to see the estimated payment here.
Related Calculators
Nova Scotia Deed Transfer Tax: Set by each municipality, typically 1.5% of the purchase price. Legal fees and title insurance are additional closing costs.
Average Home Prices in Major Nova Scotia Cities (2024)
| City | Detached | Semi-Detached | Townhouse | Condo |
|---|---|---|---|---|
| Halifax | $550,000 | $420,000 | $400,000 | $350,000 |
| Sydney | $320,000 | $250,000 | $230,000 | $200,000 |
| Dartmouth | $480,000 | $370,000 | $340,000 | $300,000 |
| Truro | $350,000 | $270,000 | $250,000 | $210,000 |
| New Glasgow | $300,000 | $230,000 | $210,000 | $170,000 |
Source: CREA, 2024 estimates. Prices are approximate and may vary.
Nova Scotia Deed Transfer Tax Rates by Municipality (2025)
Most major cities use 1.5%. Some municipalities have lower rates. Check your city below:
| Municipality | Deed Transfer Tax Rate |
|---|---|
| Halifax | 1.5% |
| Dartmouth | 1.5% |
| Sydney | 1.5% |
| Truro | 1.5% |
| New Glasgow | 1.5% |
| Cape Breton Regional Municipality (CBRM) | 1.5% |
| Lunenburg | 1.0% |
| Kentville | 1.25% |
| Windsor | 1.25% |
| Yarmouth | 1.25% |
| Bridgewater | 1.25% |
| Queens | 1.25% |
| Digby | 1.25% |
| Annapolis | 1.25% |
| Colchester | 1.25% |
| Cumberland | 1.25% |
| East Hants | 1.25% |
| West Hants | 1.25% |
| Pictou | 1.25% |
| Shelburne | 1.25% |
| Guysborough | 1.25% |
| Victoria | 1.25% |
| Antigonish | 1.25% |
| Inverness | 1.25% |
| Richmond | 1.25% |
Source: Nova Scotia municipalities, 2025. Always confirm with your local government before closing.
Frequently Asked Questions (FAQ)
Yes, Nova Scotia charges a land transfer tax (Deed Transfer Tax) set by each municipality, typically 1.5% of the purchase price.
Typical closing costs include the deed transfer tax, legal fees, title insurance, and CMHC insurance (if applicable).
Nova Scotia does not offer a provincial land transfer tax rebate, but federal programs may be available for first-time buyers.