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Buying your first home in Saskatchewan

What Saskatchewan’s own government pages say about buying a first home, with the federal accounts and credits that apply in every province. Each item shows the sentence we read and a link to it.

Published . Last checked .

Deadlines and time limits

The federal FHSA and Home Buyers’ Plan have time limits too. See the federal programs.

Land transfer tax

We could not confirm from a government page whether Saskatchewan charges a land transfer tax or what the title transfer fee is. Information Services Corporation (ISC) runs the Land Titles Registry and publishes the fee schedule, and we could not open that schedule. The province's 2026-27 Budget document states that Saskatchewan has the second-lowest land transfer tax/registration fees paid by the buyer of a property.

Source

“Saskatchewan has the second-lowest land transfer tax/registration fees paid by the buyer of a property.”

Saskatchewan 2026-27 Budget document

What Saskatchewan lists for first-time buyers

OpenTax credit

First-time Homebuyers' Tax Credit

  • $1,575

    maximum benefit, from January 1, 2025

A provincial non-refundable income tax credit for eligible buyers of a qualifying home in Saskatchewan. It is claimed on the Saskatchewan income tax return for the year of purchase. Non-refundable means the buyer must owe Saskatchewan income tax to benefit, though the credit can be shared with a spouse or common law partner.

Source

“Beginning January 1, 2025, the maximum amount used to calculate the credit increased by 50 per cent, to a maximum benefit of $1,575”

Saskatchewan: First-time Homebuyers' Tax Credit

Amount in full

A maximum benefit of $1,575 beginning January 1, 2025, based on a credit amount of $15,000.

For eligible purchases made by December 31, 2024, the credit was $1,050, using a provincial rate of 10.5 per cent on $10,000 of the home purchase.

Who qualifies (5)
  • Eligibility rules mirror those of the federal tax credit.
  • The buyer, and a spouse or common law partner if purchasing jointly, must not have lived in a home they owned in the year of purchase or in any of the previous four years.
  • The buyer, spouse or common law partner must occupy the home within one year of purchase.
  • The home must be a new or existing home in Saskatchewan that is eligible for the federal Home Buyers' Plan.
  • A buyer who received a loan through the Graduate Retention Program First Home Plan may not claim this credit.
How to claim or apply

Use Form SK428, available from the Canada Revenue Agency, on the Saskatchewan income tax return for the year of purchase.

The return is filed in the spring of the following year.

For a home registered with ISC on or after January 1, 2025, the full increased credit is claimed on the 2025 return.

Combining with other programs

The Saskatchewan page states that a similar federal non-refundable income tax credit of $1,500, worked out as 15 per cent of the first $10,000 of an eligible home purchase, is also available.

Paused or closed

ClosedGrant Ends March 31, 2027

The First-time Homebuyers' Tax Credit Transition Program Grant

  • $525

    one-time payment, at most

A one-time provincial grant for buyers who bought and registered a qualifying home between October 1, 2024 and December 31, 2024 and claimed the original credit on their 2024 return, before the increased credit began. No application was needed. Homes acquired after that period are not covered, so we record it as closed to new purchases.

Deadlines
  • No grant payments after March 31, 2027
Source

“will provide a one-time payment of up to $525 to eligible individuals who purchased a qualifying home from October 1, 2024, to December 31, 2024”

Saskatchewan: First-time Homebuyers' Tax Credit (Transition Program Grant section)

Amount in full

A one-time payment of up to $525.

Who qualifies (3)
  • Purchased a qualifying home from October 1, 2024, to December 31, 2024.
  • Eligible for, and received, the Saskatchewan First-time Homebuyers' Tax Credit for 2024, based on the 2024 Notice of Assessment.
  • The home was registered with Information Services Corporation from October 1, 2024, to December 31, 2024.
How to claim or apply

No application.

Eligible individuals are considered automatically by the Ministry of Finance after claiming the credit on the 2024 return.

The page states that no grant payments will be issued after March 31, 2027.

Federal items that apply in every province

The FHSA, the Home Buyers’ Plan and the home buyers’ amount apply wherever you live. Amounts, conditions, time limits and sources are on one federal page.

What we looked for and did not find

Not listed in the pages we checked:

  • a statement on whether Saskatchewan charges a land transfer tax.
  • the ISC land title registration fee schedule, or any first-time buyer relief on those fees (the ISC fee pages did not open for us).
  • a current provincial down-payment assistance loan for first-time buyers (the Saskatchewan Housing Corporation programs page lists programs for renters, homeowners with low incomes and developers).
  • a provincial shared-equity program for first-time buyers.
  • a provincial first-time buyer savings account.
  • an explicit statement by the province on how the FHSA or the RRSP Home Buyers' Plan is treated for provincial tax. The tax credit page only says the qualifying home must be eligible for the federal Home Buyers' Plan. The 2026-27 Budget document lists a First-time homebuyers' savings account line among its tax expenditures but does not explain it.

Common questions

What tax or fees apply when you buy a home in Saskatchewan?

We could not confirm from a government page whether Saskatchewan charges a land transfer tax or what the title transfer fee is. Information Services Corporation (ISC) runs the Land Titles Registry and publishes the fee schedule, and we could not open that schedule. The province's 2026-27 Budget document states that Saskatchewan has the second-lowest land transfer tax/registration fees paid by the buyer of a property.

What first-time home buyer programs does Saskatchewan list?

Saskatchewan's own pages list First-time Homebuyers' Tax Credit. Each one is covered further down the page, with its amount, its conditions and a link to the source.

Can I use the FHSA and the Home Buyers' Plan together?

The CRA says you can withdraw amounts from your RRSPs under the Home Buyers' Plan and make a qualifying withdrawal from your FHSAs for the same qualifying home, as long as you meet all of the conditions at the time of each withdrawal.

See where you stand before you save

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Other provinces and territories

Sources we read

This page is information, not advice. We read these pages on October 14, 2026. Programs, amounts and deadlines change, so confirm with the source before you act.

The federal sources are listed on the federal programs page.