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Property tax estimator by city
Estimate annual property tax with 2026 residential tax rates for 8 Ontario cities. ✓ Rules checked Oct 10, 2026
Compare all cities
How Ontario property tax is calculated
Annual property tax = MPAC assessed value × total residential tax rate (municipal + regional where applicable + education 0.153%). Ontario assessments are still based on January 1, 2016 values, so your assessed value is usually well below today’s purchase price.
Toronto Vacant Home Tax: homes in Toronto vacant for more than six months in a year pay an extra 3% of assessed value (2024 taxation year onward). Every owner must declare occupancy status annually or be deemed vacant.
Property tax estimator by city: frequently asked questions
Why use assessed value instead of purchase price?
Tax is levied on MPAC’s Current Value Assessment (Jan 1, 2016 valuation date). Find yours on your tax bill or AboutMyProperty.
Why is Toronto’s rate so low?
Toronto has a very large assessment base; total bills depend on rate × assessment, so compare bills, not rates.
Do rates vary within a city?
Yes. Hamilton and Ottawa have area rates (fire, transit, urban/rural). We show the main urban rate.
Does the vacant home tax apply to my cottage?
The Toronto VHT applies only to residential properties in the City of Toronto, with exemptions (e.g., renovations, owner in care, death).
Official sources
- Toronto — 2026 Property Tax Rates
- Ottawa — 2026 urban rate via WOWA.ca (secondary; city rate pages not retrievable)
- Ottawa — component breakdown via HousingPortal.ca (secondary)
- Mississauga — 2026 Tax Rates By-law 0061-2026
- Hamilton — How property tax rates are calculated (2026)
- Ajax — 2026 Final Tax Rates
- Pickering — Let’s Talk Pickering 2026 Budget (City of Pickering)
- Whitby — 2026 Property Tax Rates
- Oshawa — 2026 Final Tax Rate By-law
- Toronto — Vacant Home Tax
Rules checked Oct 10, 2026. Estimates only — confirm with official sources and a professional.