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.
At a $1,000,000 purchase price, the general BC property transfer tax is $18,000. With a 20% down payment and the dataset’s explicit $8,000 planning allowance, the standard cash-to-close scenario is $226,000 before any property-specific adjustments or eligibility-based exemption.
Every row uses the same assumptions and calculation version. Horizontal scrolling is available on smaller screens.
| Price | 20% down | General PTT | First-time PTT | New-build PTT | Allowance | Standard cash to close |
|---|---|---|---|---|---|---|
| $500,000 | $100,000 | $8,000 | $0 | $0 | $8,000 | $116,000 |
| $750,000 | $150,000 | $13,000 | $5,000 | $0 | $8,000 | $171,000 |
| $835,000 | $167,000 | $14,700 | $6,700 | $0 | $8,000 | $189,700 |
| $850,000 | $170,000 | $15,000 | $11,800 | $0 | $8,000 | $193,000 |
| $860,000 | $172,000 | $15,200 | $15,200 | $0 | $8,000 | $195,200 |
| $1,000,000 | $200,000 | $18,000 | $18,000 | $0 | $8,000 | $226,000 |
| $1,100,000 | $220,000 | $20,000 | $20,000 | $0 | $8,000 | $248,000 |
| $1,125,000 | $225,000 | $20,500 | $20,500 | $10,250 | $8,000 | $253,500 |
| $1,150,000 | $230,000 | $21,000 | $21,000 | $21,000 | $8,000 | $259,000 |
| $1,500,000 | $300,000 | $28,000 | $28,000 | $28,000 | $8,000 | $336,000 |
| $2,000,000 | $400,000 | $38,000 | $38,000 | $38,000 | $8,000 | $446,000 |
| $3,000,000 | $600,000 | $68,000 | $68,000 | $68,000 | $8,000 | $676,000 |
| $4,000,000 | $800,000 | $118,000 | $118,000 | $118,000 | $8,000 | $926,000 |
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.
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.
The first issue explains how to keep tax before exemption, eligibility, and cash allowances separate.
This dataset is first-party Parcel & Key research. No provider paid to appear, and no partner link is active. Scenario outputs are decision support—not a quote, valuation, approval, engineering conclusion, legal opinion, or mortgage recommendation.