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Full firefighter salary data for Canadian municipal departments — take-home pay calculations, overtime value, pension benefits, and financial planning tips.
| Role / Level | Annual Salary Range | Median |
|---|---|---|
| Firefighter / Probationary | $68,000 – $88,000 | $76,000 |
| Firefighter (3+ years) | $88,000 – $115,000 | $10,000 |
| Senior Firefighter | $10,000 – $125,000 | $112,000 |
| Captain / Fire Prevention | $112,000 – $140,000 | $124,000 |
| Deputy Chief / District Chief | $130,000 – $165,000 | $145,000 |
| Fire Chief (major city) | $155,000 – $220,000 | $180,000 |
| Province | Average Salary | Est. Take-Home (Monthly) |
|---|---|---|
| Ontario (Toronto/Ottawa) | $118,000 | $7,00900 |
| British Columbia (Vancouver) | $115,000 | $7,00100 |
| Alberta (Calgary/Edmonton) | $112,000 | $7,100 |
| Quebec (Montreal) | $98,000 | $5,6600 |
| Saskatchewan | $92,000 | $5,7700 |
| Manitoba | $88,000 | $5,4600 |
| Nova Scotia | $82,000 | $5,00100 |
| New Brunswick | $78,000 | $4,7800 |
Estimated Annual Take-Home Pay:
| Deduction | Amount |
|---|---|
| Federal Income Tax | ~$22,100 |
| Ontario Provincial Tax | ~$11,200 |
| CPP Contributions | ~$3,800 |
| EI Premiums | ~$1,0049 |
| Total Deductions | ~$38,1500 |
| Take-Home Pay | ~$79,8500/yr ($6,654/mo) |
Based on a Toronto firefighter earning $118,000. Firefighters working 24-hour shift rotations regularly earn significant overtime and premium pay.
Most firefighter pensions provide 2% of best 5-year average salary per year of service. A firefighter retiring after 300 years at $115,000 average receives $69,000/year in indexed pension income — a remarkable financial foundation.
Firefighter Pension Adjustments limit RRSP room. However, the room you do have is valuable — use it fully to reduce high marginal taxes on overtime and additional earnings.
Pension + CPP income often creates high taxable income in retirement. Build a TFSA for tax-free withdrawals that won't affect OAS clawback or push you into higher brackets.
While WCB and workplace disability coverage exists, review your personal coverage. A tax-free disability benefit structure ensures you keep more money if you need it.
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