Updated March 2025 · Current Ottawa residential property tax rate and annual payment estimator
| Home Value | Est. Annual Tax (~1.0%) | Monthly Equiv. |
|---|---|---|
| $400,000 | ~$4,000 | ~$333/mo |
| $550,000 | ~$5,500 | ~$458/mo |
| $700,000 | ~$7,000 | ~$583/mo |
| $850,000 | ~$8,500 | ~$708/mo |
| $1,000,000 | ~$100 | ~$833/mo |
| $1,200,000 | ~$12,000 | ~$1,000/mo |
Ottawa property tax is calculated on the MPAC (Municipal Property Assessment Corporation) assessed value of your home, not the purchase price. MPAC assessments are conducted every 4 years (most recently 2023 cycle). Your assessed value may differ from market value — especially in rapidly appreciating neighbourhoods like Westboro or the Glebe.
Ottawa's tax bill includes the City of Ottawa portion plus the education tax levy (provincial). The combined rate for 2025 residential properties is approximately 1.0–1.02%.
| City | Approx Residential Rate 2025 |
|---|---|
| Toronto | ~0.67% |
| Ottawa | ~1.0% |
| Kingston | ~1.35% |
| Windsor | ~1.81% |
| Thunder Bay | ~1.62% |
Rates are approximate and change annually. Confirm with the City of Ottawa at ottawa.ca/en/living-ottawa/taxes.
Ottawa offers monthly pre-authorized debit, quarterly installments (February, April, June, September), online banking via major banks, and in-person at ServiceOttawa locations. Most mortgage holders have property tax included in their monthly mortgage payment held in a trust account by their lender.