Moving from Toronto to Calgary: A Practical Relocation Guide

Alberta has no provincial income tax, which represents a meaningful financial advantage for many households relocating from Ontario. Combined with lower average home prices than the GTA, the financial case for moving to Calgary is compelling for many buyers.

Calgary's economy is anchored by energy, technology, agriculture, and financial services. The city has diversified significantly from its oil-and-gas roots and has attracted a growing technology sector. (Source: City of Calgary Economic Development.)

Calgary offers proximity to the Rocky Mountains, with Banff National Park approximately 90 minutes west of the city. Outdoor recreation -- skiing, hiking, cycling -- is a significant lifestyle draw for many buyers.

Calgary's population has grown steadily, driven in part by interprovincial migration from Ontario and BC. (Source: Statistics Canada.)

Ontario real estate is regulated by the Real Estate Council of Ontario (RECO). Your listing agent must be registered with RECO. The standard offer document is the Agreement of Purchase and Sale (APS).

Toronto sellers should budget for real estate commissions, legal fees, and any costs associated with preparing the home for sale. If your property is within the City of Toronto, your buyer will pay both provincial and municipal Land Transfer Tax.

If your Toronto property is not your principal residence, capital gains tax may apply on the sale. Consult a tax professional before listing.

Alberta real estate is regulated by the Real Estate Council of Alberta (RECA). Your buyer's agent must be licensed with RECA. The standard offer document is the Real Estate Purchase Contract (REPC).

Alberta does not have a provincial land transfer tax, which is a significant cost saving compared to Ontario and BC. There is a land title transfer fee, but it is substantially lower than the land transfer taxes in other provinces. (Source: Alberta Land Titles Office.)

Alberta closings are handled by a real estate lawyer. Your lawyer will review title, register the transfer, and disburse funds on the closing date.

Calgary has a diverse housing stock including detached homes, semi-detached, townhomes, and condominiums. The city is organised into distinct communities, each with its own character and amenities.

• No provincial land transfer tax in Alberta -- a significant saving compared to Ontario and BC
• Land title transfer fee applies but is substantially lower than LTT/PTT in other provinces
• Real estate lawyer required for closing
• Home inspection strongly recommended as a condition of purchase

Driver's licences and vehicle registration must be transferred to Alberta within 90 days of establishing residency. (Source: Alberta Transportation.)

Alberta Health Care Insurance Plan (AHCIP) coverage begins on the first day of the third month after you establish residency. Arrange private health insurance to cover the waiting period. (Source: Alberta Health.)

Alberta has no provincial sales tax. Combined with no provincial income tax, the overall tax burden for many households is lower than in Ontario.

If you have children, research school options in your destination community. Calgary has both public and Catholic school boards, as well as charter schools and private options.

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