Property Tax Rates by Canadian City 2026
Compare property tax rates across Canada’s major cities.
Major Cities Ranked by Tax Rate
| Rank | City | Tax Rate | Tax on $500K |
|---|---|---|---|
| 1 | Vancouver | 0.27% | $1,350 |
| 2 | Toronto | 0.63% | $3,150 |
| 3 | Calgary | 0.66% | $3,300 |
| 4 | Markham | 0.68% | $3,400 |
| 5 | Vaughan | 0.71% | $3,550 |
| 6 | Edmonton | 0.76% | $3,800 |
| 7 | Montreal | 0.76% | $3,800 |
| 8 | Mississauga | 0.77% | $3,850 |
| 9 | Ottawa | 1.01% | $5,050 |
| 10 | Brampton | 1.02% | $5,100 |
| 11 | Hamilton | 1.22% | $6,100 |
| 12 | London | 1.29% | $6,450 |
| 13 | Windsor | 1.78% | $8,900 |
Tax on Average Home Value
More meaningful comparison using typical home prices:
| City | Avg Home Price | Tax Rate | Annual Tax |
|---|---|---|---|
| Windsor | $450,000 | 1.78% | $8,010 |
| Hamilton | $750,000 | 1.22% | $9,150 |
| Ottawa | $700,000 | 1.01% | $7,070 |
| Calgary | $600,000 | 0.66% | $3,960 |
| Edmonton | $500,000 | 0.76% | $3,800 |
| Montreal | $600,000 | 0.76% | $4,560 |
| Toronto | $1,100,000 | 0.63% | $6,930 |
| Vancouver | $1,500,000 | 0.27% | $4,050 |
Provincial Comparisons
Ontario Cities
| City | Tax Rate |
|---|---|
| Toronto | 0.63% |
| Mississauga | 0.77% |
| Brampton | 1.02% |
| Ottawa | 1.01% |
| Hamilton | 1.22% |
| Windsor | 1.78% |
Alberta Cities
| City | Tax Rate |
|---|---|
| Calgary | 0.66% |
| Edmonton | 0.76% |
| Red Deer | 0.88% |
| Lethbridge | 0.95% |
BC Cities
| City | Tax Rate |
|---|---|
| Vancouver | 0.27% |
| Burnaby | 0.36% |
| Richmond | 0.38% |
| Surrey | 0.39% |
| Victoria | 0.52% |
City-Specific Pages
Detailed property tax information:
Ontario:
- Toronto Property Tax
- Ottawa Property Tax
- Mississauga Property Tax
- Brampton Property Tax
- Hamilton Property Tax
- Windsor Property Tax
Alberta:
British Columbia:
Quebec:
Understanding the Rate vs Dollar Trade-off
| Scenario | City A | City B |
|---|---|---|
| Tax rate | 1.50% | 0.50% |
| Home price | $400,000 | $1,200,000 |
| Annual tax | $6,000 | $6,000 |
| Same $ taxes | ✓ | ✓ |
Lower rates don’t always mean lower taxes — it depends on property values.
Related Pages
- Property Tax Calculator
- Highest Property Tax Rates Canada
- Mortgage Affordability Calculator
- Land Transfer Tax Calculator
Decision framework
A strong hub helps readers choose a path quickly instead of reading every article linearly. Start by mapping your situation, time horizon, and risk tolerance, then pick the relevant subtopic branch.
| Decision input | What to clarify first |
|---|---|
| Time horizon | Immediate action, this year, or long-term planning |
| Financial impact | High-stakes decision or low-stakes optimization |
| Complexity level | Simple setup, moderate comparison, or advanced strategy |
| Evidence needed | Rule-of-thumb decision or data-backed model |
When the decision has tax, legal, or debt implications, prioritize the framework articles first and then move into specific calculators and implementation guides.
Implementation checklist
Use this checklist to translate research into execution:
- Define the exact outcome you are trying to achieve.
- Collect baseline numbers before changing strategy.
- Compare at least two practical options using the same assumptions.
- Document your final decision and next review date.
- Revisit after any major income, family, rate, or policy change.
Most mistakes come from skipping the baseline and jumping directly to action. A documented process improves decision quality and reduces costly reversals.
Common mistakes and how to avoid them
| Common mistake | Better approach |
|---|---|
| Chasing one metric in isolation | Evaluate full cash-flow, tax, and risk impact |
| Using generic assumptions | Adapt inputs to your province, income, and timeline |
| Delaying implementation too long | Start with a conservative version and refine quarterly |
| Ignoring downside scenarios | Test best case, base case, and stress case |
A hub page should function like a control panel: clear sequencing, practical ranges, and explicit trade-offs for real-world decisions.
Tracking metrics that matter
Track a small set of indicators so you can adjust early:
- Net monthly cash-flow impact n- Effective tax rate or fee drag where relevant
- Debt and savings progress against target timeline
- Risk exposure (rate sensitivity, concentration, liquidity)
- Decision review cadence (monthly, quarterly, annually)
If the chosen strategy underperforms for two consecutive review periods, reassess assumptions before adding complexity.
Annual review cadence
A structured annual review keeps Property Tax by City Canada 2026 | Compare Rates current and actionable:
| Review window | Priority actions |
|---|---|
| Q1 | Update limits, rates, and policy changes |
| Q2 | Rebalance plans based on year-to-date progress |
| Q3 | Stress-test assumptions for next year |
| Q4 | Execute deadline-sensitive actions and optimize carry-forward items |
This cadence turns one-time reading into an operating system for better long-term outcomes.
Decision framework
A strong hub helps readers choose a path quickly instead of reading every article linearly. Start by mapping your situation, time horizon, and risk tolerance, then pick the relevant subtopic branch.
| Decision input | What to clarify first |
|---|---|
| Time horizon | Immediate action, this year, or long-term planning |
| Financial impact | High-stakes decision or low-stakes optimization |
| Complexity level | Simple setup, moderate comparison, or advanced strategy |
| Evidence needed | Rule-of-thumb decision or data-backed model |
When the decision has tax, legal, or debt implications, prioritize the framework articles first and then move into specific calculators and implementation guides.
Implementation checklist
Use this checklist to translate research into execution:
- Define the exact outcome you are trying to achieve.
- Collect baseline numbers before changing strategy.
- Compare at least two practical options using the same assumptions.
- Document your final decision and next review date.
- Revisit after any major income, family, rate, or policy change.
Most mistakes come from skipping the baseline and jumping directly to action. A documented process improves decision quality and reduces costly reversals.
Common mistakes and how to avoid them
| Common mistake | Better approach |
|---|---|
| Chasing one metric in isolation | Evaluate full cash-flow, tax, and risk impact |
| Using generic assumptions | Adapt inputs to your province, income, and timeline |
| Delaying implementation too long | Start with a conservative version and refine quarterly |
| Ignoring downside scenarios | Test best case, base case, and stress case |
A hub page should function like a control panel: clear sequencing, practical ranges, and explicit trade-offs for real-world decisions.
Tracking metrics that matter
Track a small set of indicators so you can adjust early:
- Net monthly cash-flow impact n- Effective tax rate or fee drag where relevant
- Debt and savings progress against target timeline
- Risk exposure (rate sensitivity, concentration, liquidity)
- Decision review cadence (monthly, quarterly, annually)
If the chosen strategy underperforms for two consecutive review periods, reassess assumptions before adding complexity.
Annual review cadence
A structured annual review keeps Property Tax by City Canada 2026 | Compare Rates current and actionable:
| Review window | Priority actions |
|---|---|
| Q1 | Update limits, rates, and policy changes |
| Q2 | Rebalance plans based on year-to-date progress |
| Q3 | Stress-test assumptions for next year |
| Q4 | Execute deadline-sensitive actions and optimize carry-forward items |
This cadence turns one-time reading into an operating system for better long-term outcomes.
Decision framework
A strong hub helps readers choose a path quickly instead of reading every article linearly. Start by mapping your situation, time horizon, and risk tolerance, then pick the relevant subtopic branch.
| Decision input | What to clarify first |
|---|---|
| Time horizon | Immediate action, this year, or long-term planning |
| Financial impact | High-stakes decision or low-stakes optimization |
| Complexity level | Simple setup, moderate comparison, or advanced strategy |
| Evidence needed | Rule-of-thumb decision or data-backed model |
When the decision has tax, legal, or debt implications, prioritize the framework articles first and then move into specific calculators and implementation guides.
Implementation checklist
Use this checklist to translate research into execution:
- Define the exact outcome you are trying to achieve.
- Collect baseline numbers before changing strategy.
- Compare at least two practical options using the same assumptions.
- Document your final decision and next review date.
- Revisit after any major income, family, rate, or policy change.
Most mistakes come from skipping the baseline and jumping directly to action. A documented process improves decision quality and reduces costly reversals.
Common mistakes and how to avoid them
| Common mistake | Better approach |
|---|---|
| Chasing one metric in isolation | Evaluate full cash-flow, tax, and risk impact |
| Using generic assumptions | Adapt inputs to your province, income, and timeline |
| Delaying implementation too long | Start with a conservative version and refine quarterly |
| Ignoring downside scenarios | Test best case, base case, and stress case |
A hub page should function like a control panel: clear sequencing, practical ranges, and explicit trade-offs for real-world decisions.
Tracking metrics that matter
Track a small set of indicators so you can adjust early:
- Net monthly cash-flow impact n- Effective tax rate or fee drag where relevant
- Debt and savings progress against target timeline
- Risk exposure (rate sensitivity, concentration, liquidity)
- Decision review cadence (monthly, quarterly, annually)
If the chosen strategy underperforms for two consecutive review periods, reassess assumptions before adding complexity.
Annual review cadence
A structured annual review keeps Property Tax by City Canada 2026 | Compare Rates current and actionable:
| Review window | Priority actions |
|---|---|
| Q1 | Update limits, rates, and policy changes |
| Q2 | Rebalance plans based on year-to-date progress |
| Q3 | Stress-test assumptions for next year |
| Q4 | Execute deadline-sensitive actions and optimize carry-forward items |
This cadence turns one-time reading into an operating system for better long-term outcomes.
Decision framework
A strong hub helps readers choose a path quickly instead of reading every article linearly. Start by mapping your situation, time horizon, and risk tolerance, then pick the relevant subtopic branch.
| Decision input | What to clarify first |
|---|---|
| Time horizon | Immediate action, this year, or long-term planning |
| Financial impact | High-stakes decision or low-stakes optimization |
| Complexity level | Simple setup, moderate comparison, or advanced strategy |
| Evidence needed | Rule-of-thumb decision or data-backed model |
When the decision has tax, legal, or debt implications, prioritize the framework articles first and then move into specific calculators and implementation guides.
Browse All Property Tax by City Canada 2026 | Compare Rates Articles
Browse all 10 articles in this section.