Estimate your annual and monthly property tax across 20+ GTA and Southern Ontario cities — using your real MPAC assessed value, not your purchase price.
Ontario property assessments have been frozen at January 1, 2016 values since a planned update was postponed — they still haven't been updated. Your home's assessed value is very often nowhere close to what you paid or what it's worth today.
Entering your purchase price here instead of your real assessed value will give you a misleading estimate. Don't have it handy? Look it up free at MPAC's AboutMyProperty tool, or check your Property Assessment Notice.
Annual property tax = MPAC assessed value × your municipality's residential tax rate. The rate itself is straightforward — the part that trips people up is the assessed value.
The Municipal Property Assessment Corporation (MPAC) sets assessed values for every property in Ontario. The most recent province-wide reassessment used January 1, 2016 as its valuation date — and every reassessment since has been postponed by the provincial government, most recently continuing through the 2026 tax year.
That means your assessed value reflects what your home was roughly worth in 2016, not today. In a market that's moved substantially since then, the gap can be large — homes bought well above their assessed value are common, not the exception.
Don't know your assessed value? It's printed on your Property Assessment Notice from MPAC, and you can also look it up free using MPAC's AboutMyProperty tool with your roll number.
| City | Rate |
|---|---|
| Loading current rates… | |
Combined residential rate (municipal + regional + education portions), reviewed annually against each municipality's own published rate. Rates and effective dates vary by city — see the calculator result for the exact source used.
Is this exact? It's a close estimate using each city's current published residential rate. Your final bill can include supplementary charges, local improvement levies, or mid-year rate changes — your municipality's tax office has the exact figure.
Can property tax be added to my mortgage? Yes — many lenders offer a property tax account that collects 1/12th of your estimated annual tax with each mortgage payment and remits it to the municipality on your behalf.
Why do rates differ so much between cities? Each municipality sets its own budget and tax rate independently, on top of the regional (Peel, York, Durham, Halton, Waterloo) and education portions — cities with lower assessed values often have higher rates to raise the same per-property revenue.