Ontario Property Tax Calculator 2026
Estimate your annual property tax for any Ontario city using 2025–2026 residential mill rates based on your MPAC-assessed value.
📊 2026 Ontario Property Tax Rates by City
| City | Rate (%) | Tax on $700K Home |
|---|---|---|
| Toronto | 0.6866% | $4,806/yr |
| Ottawa | 1.0896% | $7,627/yr |
| Mississauga | 0.8337% | $5,836/yr |
| Brampton | 0.9372% | $6,560/yr |
| Hamilton | 1.4493% | $10,145/yr |
| London | 1.3555% | $9,489/yr |
| Markham | 0.6893% | $4,825/yr |
| Vaughan | 0.7336% | $5,135/yr |
| Kitchener | 1.1893% | $8,325/yr |
| Windsor | 1.8543% | $12,980/yr |
| Oakville | 0.7475% | $5,233/yr |
| Burlington | 0.8178% | $5,725/yr |
| Oshawa | 1.3996% | $9,797/yr |
| Barrie | 1.2087% | $8,461/yr |
| Guelph | 1.2089% | $8,462/yr |
| Kingston | 1.4685% | $10,280/yr |
| Sudbury | 1.6434% | $11,504/yr |
| Thunder Bay | 1.9048% | $13,334/yr |
Ontario Property Tax — What You Need to Know
Your Ontario property tax bill consists of two components: the municipal levy (funding local services like fire, roads, parks, and transit) and the education levy (set by the provincial government to fund school boards). These are added together to get your total tax rate.
MPAC reassesses all properties in Ontario periodically. Between reassessments, if your assessed value increases, phase-in rules typically spread the increase over 4 years. Your market value (what you'd sell for today) and your MPAC assessed value may differ significantly — especially in fast-moving markets like Toronto.
You may be eligible for property tax rebates: seniors/low-income deferral programs, heritage property rebates, farm-related rebates, and managed forests. Municipalities also offer installment payment plans. Contact your municipality's tax department to learn about local rebate programs.
Ontario Property Tax — Frequently Asked Questions
Property tax equals your home's MPAC assessed value multiplied by your municipality's total tax rate — the municipal levy plus the provincial education levy. A $700,000 assessment at a 0.71% rate is about $4,970 per year.
A city's rate is roughly its budget divided by the total assessed value of all its properties. High-value markets like Toronto can fund services with a much lower rate, while cities with lower home values need higher rates — so a low rate doesn't always mean a low bill.
Current assessments are based on a January 1, 2016 valuation date. Ontario has repeatedly postponed the province-wide reassessment, so most homes are still taxed on their 2016 value.
File a free Request for Reconsideration (RfR) with MPAC if your assessed value looks too high versus comparable homes, then appeal to the Assessment Review Board if needed. You challenge the assessed value, not the tax rate.
Yes — many municipalities offer deferral or relief for low-income seniors and people with disabilities, and provincial credits like the Ontario Trillium Benefit and Senior Homeowners' Property Tax Grant can help. See our Ontario property tax guide for the full breakdown.
Your assessment is frozen at 2016 values
Every residential property tax bill in Ontario is calculated from an MPAC assessed value with a January 1, 2016 valuation date. The province has postponed the general reassessment repeatedly, so the figure on your notice reflects the 2016 market — often far below what your home would sell for today.
This is the single biggest source of confusion about Ontario property tax. A rising market does not raise your bill, because the assessment behind it has not moved. Your bill changes when your municipality changes its rate, or when your own assessment changes because you renovated, added a structure, or the property was reclassified.
Why a higher rate does not mean a higher bill
A municipal rate is roughly the council's budget divided by the total assessed value of everything it can tax. Toronto's assessment base is enormous, so a low rate raises a great deal. Windsor's is comparatively small, so its rate must be far higher to fund similar services. Comparing rates between cities tells you almost nothing about affordability.
The comparison that matters is rate × your own assessment. A Windsor home assessed at $250,000 pays roughly $5,241 at 2.096514%; a Kitchener home assessed at $450,000 pays about $5,363 at 1.1917% — nearly the same bill from rates that differ by almost double.
City-specific calculators
Each uses that city's own published 2026 rate schedule, with the municipal and education portions split out.
| City | 2026 total rate | On $400,000 |
|---|---|---|
| Windsor | 2.096514% | $8,386 |
| London | 1.727111% | $6,908 |
| Hamilton | 1.449300% | $5,797 |
| Kitchener | 1.191700% | $4,767 |
The education portion is 0.153% province-wide and has been frozen since 2020 — it is identical in every Ontario municipality. Only the municipal portion varies.
Appealing your assessment
You cannot appeal the tax rate — that is set by council and the province. You can challenge the assessed value, and the test is comparative: is your assessment out of line with similar nearby properties, as of the 2016 valuation date?
Start with a free Request for Reconsideration with MPAC — no cost, and MPAC must respond. If that fails, appeal to the Assessment Review Board, which charges a filing fee. Deadlines are strict and fall early in the year, so check the date on your notice rather than assuming you have time. See our Ontario property tax guide for the full process.