Home records, explained › Who helps with a home › Town by town › Toronto
Who helps with a home in Toronto
The kinds of business a home in Toronto needs, by moment, and the local rules their work runs into, each with its source and the date we checked it.
7 local rules and 84 kinds of business. Page reviewed 30 Oct 2026.
Local rules on this page7 of 7
About 0.77% of assessed value: the 2026 residential tax rate (checked 6 Oct 2026).
The local rules the work runs into
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Extra units
Up to 4 homes on a lot, as the line below puts it
Toronto zoning by-law 569-2013 as amended by 474-2023: permits up to 4 homes in a house (a multiplex) in residential zones citywide since May 2023; garden suites (By-law 101-2022, updated 849-2025) and laneway suites (By-law 1210-2019) are permitted under their own rules.
- Garden suite and laneway house builders
- Fire separation and egress windows
- Building designers (BCIN)
- Architects
- Basement finishing
- General contractors and renovators
Source: Toronto by-law 569-2013 as amended by 474-2023 · checked 5 Oct 2026
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Trees
30 cm across: the trunk size the line below names
Toronto Municipal Code Chapter 813: a City permit is needed to injure or remove a private tree 30 cm or more in diameter at 1.4 m above ground; permits require replacement planting or cash-in-lieu ($583 per tree), and since 1 Sept 2026 trees over 61 cm are a separate distinctive tree category.
- Tree services and arborists
- Landscaping and curb appeal
- Decks, fences and sheds
- Pools and hot tubs
- Garden suite and laneway house builders
Source: Toronto by-law Municipal Code Chapter 813 · checked 6 Oct 2026
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Rental licensing
- A licence for some rented homes (by area, size or type)
Toronto Municipal Code Chapters 575 and 354: multi-tenant (rooming) houses need a City licence and are permitted citywide since 31 Mar 2024; RentSafeTO covers apartment buildings of three or more storeys and 10 or more units.
Source: Toronto by-law Municipal Code Chapters 575 and 354 · checked 5 Oct 2026
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Short-term rentals
- A licence, permit or registration is needed
- Only a home someone lives in
- Up to 180 a year
Toronto Municipal Code Chapter 547: short-term rentals are limited to the operator's principal residence (a secondary, laneway or garden suite only if it is the operator's own principal residence) and must be registered with the City ($390 in 2026); an entire home may be rented up to 180 nights a year; a 6% Municipal Accommodation Tax applies.
Source: Toronto by-law Municipal Code Chapter 547 · checked 5 Oct 2026
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A business run from home
- Up to 25%of the floor area
- 2 from outsidemay work there
Toronto zoning by-law 569-2013 Chapter 150.5: permits a home occupation in the business operator's principal residence, with up to two employees working there besides the operator (one for a health professional's office), using at most 25% of the home's interior floor area or 100 m², whichever is less, with no outdoor activity, display or storage, no exterior alterations, and no direct sale of goods, vehicle repair or manufacturing.
- Any business run from a home in town
Source: Toronto by-law 569-2013 Chapter 150.5 · checked 5 Oct 2026
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Water and sewer rates
City of Toronto, 2026 residential rates: a combined water and wastewater rate of $4.8629 per m³ if paid by the due date ($5.1188 after), from 1 January 2026; the 2026 rate table lists no fixed service charge.
Source: City of Toronto, 2026 rate schedule · checked 6 Oct 2026
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Property tax
0.77%of assessed value, 2026
0%2.32% (Chatham-Kent)3rd lowest of 61 towns. Lowest: Markham, 0.72%.
The 2026 residential property tax rate in Toronto is 0.767311% of assessed value. It includes the City rate (0.605295%), the provincial education rate (0.153%) and the City Building Fund levy (0.009016%).
Source: Toronto tax rate by-law, 2026 · checked 6 Oct 2026
Summarised from the municipality's own by-laws and pages; the by-law is the authoritative text. An OfferDue report reads these and the address's own records for one home.
Looking for help in Toronto?
Tell us what you need in a few lines and we reply by email. Businesses are only starting to be listed, so a request comes to us, not to any business.
Listed in Toronto
No business is listed in Toronto yet. Listing is open.
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 Toronto 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 Toronto
Public-record information, not legal, financial, insurance or inspection advice. A listing on OfferDue is not a recommendation; check licences and references yourself.