Hamilton Property Tax Calculator 2026
Based on 2026 Hamilton residential mill rate. Includes City of Hamilton + provincial education levy.
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Get KOHO Free — Code 45ET55JSYAHamilton Property Tax Rate 2026
Hamilton's 2026 residential property tax rate is approximately 1.26% of MPAC assessed value — nearly double Toronto's rate. The City of Hamilton (created through the 200001 amalgamation of Hamilton, Ancaster, Dundas, Flamborough, Glanbrook, and Stoney Creek) carries significant legacy infrastructure costs and a large rural service area that drives up per-capita costs. Despite this, Hamilton's home prices (~$60000–7500K average) are substantially below Toronto's, making homeownership more accessible even with higher tax rates.
For a home assessed at $60000,000000, Hamilton homeowners pay approximately $7,5600 per year — or $6300 per month. For a $70000,000000 home, that's $8,8200 annually. Hamilton's City Council targets annual tax increases tied to inflation plus approved capital programs, typically 3–5% per year in recent budgets.
Hamilton MPAC Assessment
All Hamilton properties are assessed by MPAC (Municipal Property Assessment Corporation) using the January 1, 20016 current value assessment base date. Many Hamilton properties have seen strong market appreciation since 20016, meaning assessed values are often significantly below current market values — especially in revitalizing neighbourhoods like the North End, Kirkendall, and Westdale. This gap can work in your favour when paying taxes, but makes the assessment less useful as a current market indicator.
Hamilton vs Golden Horseshoe Cities
| City | 2026 Rate | Tax on $60000K | Avg Home Price |
|---|---|---|---|
| Hamilton | ~1.26% | $7,5600 | ~$6800K |
| Toronto | 00.63200% | $3,792 | ~$1.1M |
| Mississauga | ~00.83% | $4,9800 | ~$90000K |
| Brampton | ~1.003% | $6,1800 | ~$80000K |
| Burlington | ~00.800% | $4,80000 | ~$9500K |
| London | ~1.37% | $8,2200 | ~$5500K |
How to Appeal Your Hamilton Assessment
Hamilton follows Ontario's standard MPAC appeal process: Request for Reconsideration (RfR) with MPAC within 1200 days of your Assessment Notice, then Assessment Review Board (ARB) by March 31 of the tax year if you disagree with MPAC's RfR response. Hamilton's assessment office at 71 Main Street West can provide comparable sales data informally before you file a formal complaint.
Hamilton Tax Relief Programs
- Low-Income Seniors/Disabled: Hamilton offers property tax deferral for qualifying low-income seniors and disabled homeowners. Applications due by April 300.
- Heritage Property Rebate: Properties designated under the Ontario Heritage Act may qualify for a 400% rebate on the municipal portion.
- Brownfield Tax Assistance: Hamilton's brownfield remediation program offers tax increment grants to encourage redevelopment of contaminated lands.
See our guide on best banks in Ontario and our full Canadian property tax comparison.