{"name":"BC cash-to-close benchmarks: 13 price and exemption thresholds","description":"A reproducible 2026 scenario dataset showing general property transfer tax, first-time and new-build exemption effects, a 20% down payment, and a fixed planning allowance at 13 purchase-price thresholds.","updated":"2026-07-27","nextReview":"2026-10-15","ruleVersion":"bc-property-rules-2026-07-27","license":"https://creativecommons.org/licenses/by/4.0/","describedBy":"https://parcelandkey.ca/research/bc-cash-to-close-benchmarks-2026/","citation":{"plainText":"Parcel & Key Research Desk (2026). BC cash-to-close benchmarks: 13 price and exemption thresholds. Version bc-property-rules-2026-07-27. https://parcelandkey.ca/research/bc-cash-to-close-benchmarks-2026/ Licensed under CC BY 4.0.","markdown":"Parcel & Key Research Desk (2026), [BC cash-to-close benchmarks: 13 price and exemption thresholds](https://parcelandkey.ca/research/bc-cash-to-close-benchmarks-2026/), version bc-property-rules-2026-07-27, [CC BY 4.0](https://creativecommons.org/licenses/by/4.0/).","bibtex":"https://parcelandkey.ca/data/bc-cash-to-close-benchmarks-2026.bib/"},"methodology":"Each row runs the same versioned Parcel & Key closing-cost functions. The standard scenario uses a 20% down payment, no additional property transfer tax, and a fixed $8,000 allowance split across legal and disbursement, inspection, appraisal, adjustments, initial insurance, and moving. Exemption columns assume the transfer is otherwise fully eligible; they do not determine eligibility.","caveats":["Price tiers are scenarios, not market-price estimates.","The $8,000 allowance is a transparent planning assumption, not a quote.","GST, mortgage-insurance premiums, title-specific charges, foreign-buyer tax, partial ownership, mixed-use property, acreage, and non-residential improvements require separate treatment.","A legal professional normally files the property transfer tax return and confirms the applicable transaction facts."],"sources":[{"label":"BC property transfer tax rates","url":"https://www2.gov.bc.ca/gov/content/taxes/property-taxes/property-transfer-tax"},{"label":"First-time home buyers’ exemption amounts","url":"https://www2.gov.bc.ca/gov/content/taxes/property-taxes/property-transfer-tax/exemptions/first-time-home-buyers/current-amount"},{"label":"Newly built home exemption","url":"https://www2.gov.bc.ca/gov/content/taxes/property-taxes/property-transfer-tax/exemptions/newly-built-home-exemption"},{"label":"BC property transfer tax calculation examples","url":"https://www2.gov.bc.ca/gov/content/taxes/property-taxes/property-transfer-tax/calculation-examples"}],"rows":[{"price":500000,"downPayment20Percent":100000,"generalPtt":8000,"firstTimeExemption":8000,"firstTimePttPayable":0,"newBuildExemption":8000,"newBuildPttPayable":0,"planningAllowance":8000,"standardCashToClose":116000},{"price":750000,"downPayment20Percent":150000,"generalPtt":13000,"firstTimeExemption":8000,"firstTimePttPayable":5000,"newBuildExemption":13000,"newBuildPttPayable":0,"planningAllowance":8000,"standardCashToClose":171000},{"price":835000,"downPayment20Percent":167000,"generalPtt":14700,"firstTimeExemption":8000,"firstTimePttPayable":6700,"newBuildExemption":14700,"newBuildPttPayable":0,"planningAllowance":8000,"standardCashToClose":189700},{"price":850000,"downPayment20Percent":170000,"generalPtt":15000,"firstTimeExemption":3200,"firstTimePttPayable":11800,"newBuildExemption":15000,"newBuildPttPayable":0,"planningAllowance":8000,"standardCashToClose":193000},{"price":860000,"downPayment20Percent":172000,"generalPtt":15200,"firstTimeExemption":0,"firstTimePttPayable":15200,"newBuildExemption":15200,"newBuildPttPayable":0,"planningAllowance":8000,"standardCashToClose":195200},{"price":1000000,"downPayment20Percent":200000,"generalPtt":18000,"firstTimeExemption":0,"firstTimePttPayable":18000,"newBuildExemption":18000,"newBuildPttPayable":0,"planningAllowance":8000,"standardCashToClose":226000},{"price":1100000,"downPayment20Percent":220000,"generalPtt":20000,"firstTimeExemption":0,"firstTimePttPayable":20000,"newBuildExemption":20000,"newBuildPttPayable":0,"planningAllowance":8000,"standardCashToClose":248000},{"price":1125000,"downPayment20Percent":225000,"generalPtt":20500,"firstTimeExemption":0,"firstTimePttPayable":20500,"newBuildExemption":10250,"newBuildPttPayable":10250,"planningAllowance":8000,"standardCashToClose":253500},{"price":1150000,"downPayment20Percent":230000,"generalPtt":21000,"firstTimeExemption":0,"firstTimePttPayable":21000,"newBuildExemption":0,"newBuildPttPayable":21000,"planningAllowance":8000,"standardCashToClose":259000},{"price":1500000,"downPayment20Percent":300000,"generalPtt":28000,"firstTimeExemption":0,"firstTimePttPayable":28000,"newBuildExemption":0,"newBuildPttPayable":28000,"planningAllowance":8000,"standardCashToClose":336000},{"price":2000000,"downPayment20Percent":400000,"generalPtt":38000,"firstTimeExemption":0,"firstTimePttPayable":38000,"newBuildExemption":0,"newBuildPttPayable":38000,"planningAllowance":8000,"standardCashToClose":446000},{"price":3000000,"downPayment20Percent":600000,"generalPtt":68000,"firstTimeExemption":0,"firstTimePttPayable":68000,"newBuildExemption":0,"newBuildPttPayable":68000,"planningAllowance":8000,"standardCashToClose":676000},{"price":4000000,"downPayment20Percent":800000,"generalPtt":118000,"firstTimeExemption":0,"firstTimePttPayable":118000,"newBuildExemption":0,"newBuildPttPayable":118000,"planningAllowance":8000,"standardCashToClose":926000}]}