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Who helps with a home in St. Thomas
The kinds of business a home in St. Thomas needs, by moment, and the local rules their work runs into, each with its source and the date we checked it.
5 local rules and 84 kinds of business. Page reviewed 30 Oct 2026.
Local rules on this page5 of 7
- Extra units
- Trees
- Rental licensing
- Short-term rentals
- A business run from home
- Water and sewer rates
- Property tax
About 1.82% of assessed value: the 2026 residential tax rate (checked 29 Oct 2026).
The local rules the work runs into
-
Extra units
Up to 4 homes on a lot, as the line below puts it
St. Thomas zoning by-law 50-88 s.4.2.11: permits up to three additional residential units with a single detached, semi-detached or street townhouse dwelling in any residential zone, all in the house or up to two in the house and one in a rear- or side-yard accessory building; one parking space each; none in a regulated flood plain or in a basement below the sewer level, and full municipal services are required.
- Garden suite and laneway house builders
- Fire separation and egress windows
- Building designers (BCIN)
- Architects
- Basement finishing
- General contractors and renovators
Source: St. Thomas by-law 50-88 s.4.2.11 · checked 29 Oct 2026
-
Trees
30 cm across: the trunk size the line below names
St. Thomas by-law 101-2021: a City permit is needed to injure or destroy a private tree over 30 cm in diameter at 1.37 m, including dead ones, or to clear a woodlot; application fees from $100, waived for dead, diseased or hazard trees; 1 to 4 replacement trees by size or $400 each in lieu.
- Tree services and arborists
- Landscaping and curb appeal
- Decks, fences and sheds
- Pools and hot tubs
- Garden suite and laneway house builders
Source: St. Thomas by-law 101-2021 · checked 29 Oct 2026
-
A business run from home
- Up to 15%of the floor area
- Only the householdmay work there
St. Thomas zoning by-law 50-88 s.4.2.8: permits a home occupation run by residents only, within the dwelling or an accessory building, using at most 15 m² or 15% of the floor area, whichever is less, with no signs, no sales except by telephone and no deliveries or pick-ups by non-occupants; some professions and barbershops are excluded.
- Any business run from a home in town
Source: St. Thomas by-law 50-88 s.4.2.8 · checked 29 Oct 2026
-
Water and sewer rates
- A stormwater charge of its own
Entegrus Powerlines Inc. (for the City of St. Thomas), 2026 residential rates: water $2.2776 and sanitary sewer $2.99 per m³ (2026); a monthly water base charge of $17.75 for a 5/8-inch meter and a storm sewer charge of $13.42 a month.
Source: Entegrus Powerlines Inc. (for the City of St. Thomas), 2026 rate schedule · checked 29 Oct 2026
-
Property tax
1.82%of assessed value, 2026
0%2.32% (Chatham-Kent)14th highest of 61 towns. Lowest: Markham, 0.72%.
The 2026 residential property tax rate in St. Thomas is 1.823293% of assessed value. It includes the City rate (1.670293%) and the provincial education rate (0.153%).
Source: St. Thomas tax rate by-law, 2026 · checked 29 Oct 2026
Summarised from the municipality's own by-laws and pages; the by-law is the authoritative text. The rules not shown here aren't in our tables yet: the municipality's site has its by-laws. An OfferDue report reads these and the address's own records for one home.
Looking for help in St. Thomas?
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Listed in St. Thomas
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Listing on OfferDue is free and in the order businesses were checked, never paid for. Where a licence or register exists we check it before a listing shows. Get listed free: a business that serves St. Thomas names the towns it serves.
The home team, by moment
Thinking about it
4 kinds
Getting ready to sell
16 kinds
- Home stagers
- Real estate photographers and video
- Deep cleaning before a listing
- Painters
- Handyman services
- Junk removal and decluttering
- Pre-listing home inspectors
- Landscaping and curb appeal
- Storage
- Real estate agents and brokerages
- Flooring
- Tree services and arborists
- Interior designers
- Yard clean-up
- Window and gutter cleaning
- Professional organizers
Searching and financing
5 kinds
The offer and its conditions
16 kinds
- Real estate agents and brokerages
- Mortgage brokers and agents
- Bank and credit union mortgage specialists
- Home inspectors
- Wood stove and fireplace (WETT) inspections
- Sewer and drain camera inspections
- Radon testing
- Pest inspection
- Land surveyors
- Appraisers
- Home insurance brokers
- Well water testing
- Septic inspection and pumping
- Real estate lawyers
- Oil tank removal
- Structural engineers
Closing and moving
15 kinds
- Deep cleaning before a listing
- Junk removal and decluttering
- Moving companies
- Storage
- Relocation services
- Home insurance brokers
- Real estate lawyers
- Locksmiths
- Move-in and move-out cleaning
- Utilities and internet
- Tenant insurance
- Security and alarm systems
- Home watch and house sitting
- Professional organizers
- Senior moves and downsizing
The first 90 days
23 kinds
- Handyman services
- Wood stove and fireplace (WETT) inspections
- Sewer and drain camera inspections
- Radon testing
- Well water testing
- Septic inspection and pumping
- Heating and air conditioning
- Duct cleaning
- Chimney sweeps
- Plumbers
- Backwater valves and sump pumps
- Basement waterproofing
- Radon mitigation
- Electricians and electrical contractors
- Water softeners and treatment
- Security and alarm systems
- Appliance repair and installation
- Energy advisors (EnerGuide)
- Oil tank removal
- EV charger installation
- Asbestos and mould removal
- Flood and fire restoration
- Pest control
Making it yours
35 kinds
- Painters
- Land surveyors
- Heating and air conditioning
- Plumbers
- Backwater valves and sump pumps
- Basement waterproofing
- Radon mitigation
- Electricians and electrical contractors
- Energy advisors (EnerGuide)
- General contractors and renovators
- Kitchen renovation
- Bathroom renovation
- Basement finishing
- Flooring
- Roofing
- Windows and doors
- Eavestroughs, siding and soffits
- Insulation and air sealing
- Drywall and plaster
- Carpentry and cabinetry
- Masonry and brick repair
- Concrete and foundation repair
- Decks, fences and sheds
- Pools and hot tubs
- Tree services and arborists
- Demolition and excavation
- Architects
- Building designers (BCIN)
- Structural engineers
- Interior designers
- Permit help and zoning consultants
- Solar panels and batteries
- EV charger installation
- Garage doors
- Asbestos and mould removal
Adding a unit or renting it out
11 kinds
Living there
22 kinds
- Handyman services
- Landscaping and curb appeal
- Septic inspection and pumping
- Heating and air conditioning
- Duct cleaning
- Chimney sweeps
- Plumbers
- Appliance repair and installation
- Roofing
- Eavestroughs, siding and soffits
- Masonry and brick repair
- Decks, fences and sheds
- Tree services and arborists
- Garage doors
- Flood and fire restoration
- Lawn care
- Snow removal
- Yard clean-up
- House cleaning
- Pest control
- Window and gutter cleaning
- Home watch and house sitting
More on St. Thomas
Public-record information, not legal, financial, insurance or inspection advice. A listing on OfferDue is not a recommendation; check licences and references yourself.