Hamilton Property Tax Calculator
Estimate your City of Hamilton residential property tax using the 2026 rate, split into the municipal and education portions.
Of your MPAC assessed value. Hamilton council adopted a 3.87% residential increase in the 2026 budget — about $209 more per year on the average home assessed at $387,100.
Where Your Hamilton Tax Dollar Goes
Your bill has two parts. The City sets the municipal portion each year in its budget; the Province sets the education portion.
| Portion | Rate | On $387,100 | Set by |
|---|---|---|---|
| Municipal (City of Hamilton) | 1.2963% | $5,018 | City council budget |
| Education | 0.1530% | $592 | Province of Ontario |
| Total | 1.4493% | $5,610 | — |
Figures derived from the City of Hamilton's adopted 2026 tax budget. Some Hamilton communities also pay small area rates for local services, so your final bill may differ slightly.
How Hamilton Property Tax Works
Your tax is simply assessed value × total rate. The assessed value comes from MPAC, not from what your home would sell for. Because Ontario has postponed reassessment repeatedly, current assessments still reflect a January 1, 2016 valuation date — which is why your notice likely shows a number well below today's market price.
Hamilton's rate looks high next to Toronto's 0.71%, but that comparison is misleading. A city's rate is roughly its budget divided by the total value of everything it can tax. Toronto's assessment base is enormous, so a small rate raises a lot. Hamilton's base is smaller, so the rate must be higher to fund comparable services. The bill on a similar home often lands closer than the rates suggest.
If your assessment looks out of line with similar homes nearby, you can file a free Request for Reconsideration with MPAC, then appeal to the Assessment Review Board if needed. You are always challenging the assessed value — never the tax rate itself.
Hamilton Property Tax — Frequently Asked Questions
About 1.4493% of assessed value — roughly 1.2963% municipal plus the 0.153% province-wide education rate. Council adopted a 3.87% residential increase for 2026.
The city's average residential assessment is $387,100, giving roughly $5,610 per year — about $209 more than 2025.
MPAC assessments still use a January 1, 2016 valuation date. Ontario keeps postponing reassessment, so assessed values reflect 2016, not today.
Rate ≈ budget ÷ total assessed value. Toronto's far larger assessment base lets it charge less per dollar. A low rate doesn't automatically mean a low bill.
Yes — a free Request for Reconsideration with MPAC, then the Assessment Review Board. See our Ontario property tax guide for the full process.