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What is the residential property tax rate?
Each municipality sets its residential tax rate every year by by-law, as a percentage of the assessed value MPAC gives the property. Our hand-kept table records the published rate for 61 cities, with the page it came from and the date we read it.
Report check: Property tax rate. Entry reviewed 20 Oct 2026; each source below shows its own data date.
How a report shows itsample, made-up home
Property tax rateFacts
The 2026 residential rate is 1.10% of assessed value (sample figure).
Where we read it
- 61 municipalities' rules
- Elsewhere: where to look
the town's own records– not in our reports there yet
Free checkreads it
Full reportevery report
DealbreakerProperty tax rate
Published byEach municipality's by-law
What the record is
The total rate combines the municipal rate (and a regional rate in two-tier regions) with the provincial education rate. Cities whose rates differ by area or service (Hamilton, Kingston, Greater Sudbury) are noted in the table. The tax on a home is the rate times its assessed value, which the seller's MPAC notice shows.
The report line gives the city's rate for the year with what it includes. The tax rate by-law is the authoritative text.
Where it runs
The municipal rule comes from our hand-kept tables, read from each municipality's own by-law or published page, for the 61 municipalities listed below. For a home anywhere else: We don't have the municipality's tax rate summarised yet. The rate is set each year in its tax rate by-law; the tax on a home is the rate times MPAC's assessed value. List of Ontario municipalities
Residential tax rates, city by city
The published residential rate, as a percentage of assessed value.
| Municipality | Rate | Record |
|---|---|---|
| Ajax | 1.388664% of assessed value, 2026; it includes the Town rate (0.454904%), the Region of Durham rate (0.780760%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Aurora | 0.873953% of assessed value, 2026; it includes the Town rate (0.328541%), the Region of York rate (0.392412%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Barrie | 1.467503% of assessed value, 2026; it includes the City rate (1.314503%) and the provincial education rate (0.153%), as set by By-law 2026-044 | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Belleville | 2.030312% of assessed value, 2026; that is the Belleville Urban rate, including the City rate (1.877312%) and the provincial education rate (0.153%); Belleville's rates differ by service area (Cannifton Urban 1.945889%, Cannifton Rural to Urban 1.837383%, Cannifton Rural 1.799924%, Belleville Rural 1.494529%), so the rate for this address may differ | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Bradford West Gwillimbury | 1.108080% of assessed value, 2026; it includes the Town rate (0.633847%, with its capital levy and police rates), the County of Simcoe rate (0.321233%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Brampton | 1.253381% of assessed value, 2026; it includes the City rate (0.537932%), the Region of Peel rate (0.562449%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Brantford | 1.595108% of assessed value, 2026; it includes the City rate (1.442108%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Brockville | 1.792489% of assessed value, 2026; it includes the City rate (1.639489%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Caledon | 0.982207% of assessed value, 2026; it includes the Town rate (0.464570%), the Town's infrastructure rate (0.018207%), the Region of Peel rate (0.346430%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Cambridge | 1.51218% of assessed value, 2026; it includes the City rate, the Region of Waterloo rate and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Chatham-Kent | 2.322717% of assessed value, 2026; that is the rate for the Chatham City area (420), the Municipality rate (2.169717%) and the provincial education rate (0.153%); Chatham-Kent's municipal rates differ by area (residential totals from 1.849296% to 2.335640%), so the rate for this address may differ | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Clarington | 1.419218% of assessed value, 2026; it includes the Municipality's rate (0.485458%), the Region of Durham rate (0.780760%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Collingwood | 1.270605% of assessed value, 2026; it includes the Town rate (0.796372%, its general levy of 0.696096% and capital levy of 0.100276%), the County of Simcoe rate (0.321233%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| East Gwillimbury | 0.916299% of assessed value, 2026; it includes the Town rate (0.370887%), the Region of York rate (0.392412%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Fort Erie | 1.895328% of assessed value, 2026; it includes the Town rate (0.803606%), the Niagara Region rates (0.938722%: 0.774131% general, 0.071087% waste management and 0.093504% transit) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Georgina | 1.191146% of assessed value, 2026; it includes the Town rate (0.645734%), the Region of York rate (0.392412%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Greater Sudbury | 1.907170% of assessed value, 2026; that is the rate for the former City of Sudbury area; Greater Sudbury's rates differ by area and fire and transit service (Valley East 1.790761%, most other areas 1.705568%, and the formerly unorganized areas, which have no transit rate, 1.652143%), so the rate for this address may differ | tax rate by-law, 2026 Read by us 28 Oct 2026 |
| Grimsby | 1.368236% of assessed value, 2026; it includes the Town rate (0.354106%), the Niagara Region rates (0.861130%: 0.774131% general, 0.046298% waste management and 0.040701% transit, Regional By-law 2026-16) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Guelph | 1.494407% of assessed value, 2026; it includes the City rate, the hospital levy (0.001312%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Hamilton | 1.557234% of assessed value, 2026; that is the rate for the urban former City of Hamilton with full-time fire service; Hamilton's rates differ by area and fire and transit service (1.476% with composite fire, lower in rural areas), so the rate for this address may differ | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Innisfil | 1.239628% of assessed value, 2026; it includes the Town rate (0.765395%, with its general, police and capital levies), the County of Simcoe rate (0.321233%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Kawartha Lakes | 1.259111% of assessed value, 2026; that is the rate for most of the City, including the City rate (1.106111%) and the provincial education rate (0.153%); Kawartha Lakes' rates differ by area (Lindsay 1.573877%, Ops 1.419949%), so the rate for this address may differ | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| King | 0.916009% of assessed value, 2026; it includes the Township rate (0.370597%), the Region of York rate (0.392412%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Kingston | 1.605435% of assessed value, 2026; that is the Central area rate under By-law 2026-54; Kingston's rates differ by fire service area (West 1.533257%, East 1.491279%), so the rate for this address may differ | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Kitchener | 1.405998% of assessed value, 2026; it includes the City rate, the Region of Waterloo rate (0.841834%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| LaSalle | 1.938906% of assessed value, 2026; it includes the Town rate (1.214%), the County of Essex rate (0.571906%) and the provincial education rate (0.153%), as set by By-law 2026-033 | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Lakeshore | 1.437286% of assessed value, 2026; it includes the Municipality rate (0.71238%), the County of Essex rate (0.5719064%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Lincoln | 1.627092% of assessed value, 2026; it includes the Town rate (0.608798%), the Niagara Region rates (0.865294%: 0.774131% general, 0.048340% waste management and 0.042823% transit) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| London | 1.727111% of assessed value, 2026; it includes the City rate (1.574111%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Markham | 0.722889% of assessed value, 2026; it includes the City rate (0.177477%), the Region of York rate (0.392412%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Milton | 0.865146% of assessed value, 2026; it includes the Town rate (0.379288%), the Region of Halton rate (0.331302%), the Region's enhanced waste service rate (0.001556%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Mississauga | 1.087901% of assessed value, 2026; it includes the City rate (0.396141%), the Region of Peel rate (0.538760%) and the provincial education rate (0.153%), as set by By-law 0061-2026 | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| New Tecumseth | 1.109984% of assessed value, 2026; the Town publishes only the total, which includes the Town, County of Simcoe and provincial education (0.153%) rates | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Newmarket | 0.919045% of assessed value, 2026; it includes the Town rate (0.373633%), the Region of York rate (0.392412%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 28 Oct 2026 |
| Niagara Falls | 1.748888% of assessed value, 2026; it is the urban service area rate and includes the City rates (0.648920%: 0.595375% City, 0.027907% capital levy and 0.025638% urban service area), the Niagara Region rates (0.946968%: 0.774131% general, 0.058582% waste management and 0.114255% transit) and the provincial education rate (0.153%); outside the urban service area the total is 1.723250% | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Norfolk County | 1.658404% of assessed value, 2026; it includes the County rate (1.505404%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| North Bay | 1.810363% of assessed value, 2026; it includes the City rate (1.657363%) and the provincial education rate (0.153%), as set by By-law 2026-20 | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Oakville | 0.850960% of assessed value, 2026; it includes the Town rate (0.364585%), the Region of Halton rate (0.333375%, with waste management, police and general Regional services) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Orangeville | 1.558317% of assessed value, 2026; it includes the Town rate (0.972677%), the County of Dufferin rate (0.43264%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Orillia | 1.531692% of assessed value, 2026; it includes the City rate (1.378692%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Oshawa | 1.575342% of assessed value, 2026; it includes the City rate (0.659196%), the Region of Durham rate (0.763146%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Ottawa | about 1.27% of assessed value, 2026; that is the urban rate, worked out from the City's published $1,271 of tax per $100,000 of assessment (education included, rounded by the City to whole dollars); rural areas pay less because transit and fire service differ: $1,053 per $100,000 with reduced transit service and $1,004 where only Para Transpo runs. The bill also carries a solid waste fee of $267 a year for curbside homes | City of Ottawa: What you get for your property taxes, 2026 Read by us 6 Oct 2026 |
| Peterborough | 1.889254% of assessed value, 2026; it includes the City rate (1.736254%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Pickering | 1.337288% of assessed value, 2026; it includes the City rate (0.403528%), the Region of Durham rate (0.780760%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Quinte West | 1.778246% of assessed value, 2026; that is the Ward 1 (Trenton) rate, including the City's general levy (1.458676%), streetlight (0.008551%) and fire (0.158018%) rates and the provincial education rate (0.153%); Quinte West's rates differ by ward (Sidney and Murray 1.611676%, Frankford 1.620228%), so the rate for this address may differ | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Richmond Hill | 0.760104% of assessed value, 2026; it includes the City rate (0.214692%), the Region of York rate (0.392412%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Sarnia | 1.797234% of assessed value, 2026; it includes the City's general municipal and transit rates, the County of Lambton rate and the provincial education rate (0.153%); the City's page publishes only the total | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Sault Ste. Marie | 1.911859% of assessed value, 2026; that is the urban-area rate: the City rate (1.758859%) and the provincial education rate (0.153%); the rural-area rate is 1.807192% (City 1.654192%), so the rate for this address may differ | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| St. Catharines | 1.842187% of assessed value, 2026; it is the City's urban rate, which includes the Niagara Region rates (0.984161%: 0.774131% general, 0.073070% waste management and 0.136960% transit, Regional By-law 2026-16), with the City rates and the provincial education rate making up the remaining 0.858026%; the general rate is 1.833408% | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| St. Thomas | 1.823293% of assessed value, 2026; it includes the City rate (1.670293%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Stratford | 1.761361% of assessed value, 2026; it includes the City rate (1.608361%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Tecumseh | 1.627097% of assessed value, 2026; it includes the Town rate (0.902191%), the County of Essex rate (0.571906%) and the provincial education rate (0.153%), as set by By-law 2026-035 | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Thunder Bay | 1.923136% of assessed value, 2026; it includes the City rates (1.770136%: general, garbage, public transportation, sewage and drainage, and street lighting) and the provincial education rate (0.153%), the full-service rate on the City's table | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Timmins | 2.168531% of assessed value, 2026; it includes the City rate (2.015531%) and the provincial education rate (0.153%), as set by By-law 2026-9323 | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Toronto | 0.767311% of assessed value, 2026; it includes the City rate (0.605295%), the provincial education rate (0.153%) and the City Building Fund levy (0.009016%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Waterloo | 1.432260% of assessed value, 2026; it includes the City rate (0.437426%), the Region of Waterloo rate (0.841834%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Welland | 1.981593% of assessed value, 2026; it includes the City rate (0.864695%), the Niagara Region rates (0.963898%: 0.774131% general, 0.079346% waste management and 0.110421% transit) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Whitby | 1.382491% of assessed value, 2026; it includes the Town rate (0.468163%), the Region of Durham's general, transit, waste and police rates (0.761328% together) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Whitchurch-Stouffville | 0.855234% of assessed value, 2026; it includes the Town rate (0.309822%), the Region of York rate (0.392412%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
| Windsor | 2.096514% of assessed value, 2026; it includes the City rate (1.943514%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 6 Oct 2026 |
| Woodstock | 1.894466% of assessed value, 2026; it includes the City rate (1.242583%), the County of Oxford rate (0.498883%) and the provincial education rate (0.153%) | tax rate by-law, 2026 Read by us 29 Oct 2026 |
Summarised by OfferDue from each municipality's own by-law or published page on the date shown. The by-law or rate schedule is the authoritative text.
Sources
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The free check reads this record for one Ontario home when you pick “Property tax rate”. The full report includes it with the other 54 checks.
Public-record information, not legal, financial, insurance or inspection advice. Records change and can be incomplete, and this page describes the records, not any particular home. Spotted an error, or have a question about this record? Email [email protected]; we answer from the record, and corrections are listed on the guide index. What we cover, city by city.