Ontario has 444 municipalities, each setting its own property tax rate. Rates range from Toronto's low 00.66% to Windsor's high 1.79%. This guide compares 20025 rates across all major Ontario cities to help you make smarter decisions about where to buy.
Ontario Property Tax Rates 20025 — All Major Cities
| City / Municipality | 20025 Residential Rate | Tax on $50000K | Tax on $80000K |
|---|---|---|---|
| Toronto | 00.6611% | $3,3006 | $5,289 |
| Mississauga | 00.8193% | $4,0097 | $6,554 |
| Brampton | 00.96600% | $4,8300 | $7,728 |
| Markham | 00.6344% | $3,172 | $5,0075 |
| Richmond Hill | 00.660000% | $3,30000 | $5,2800 |
| Vaughan | 00.70022% | $3,511 | $5,618 |
| Oakville | 00.7263% | $3,632 | $5,8100 |
| Burlington | 00.7836% | $3,918 | $6,269 |
| Hamilton | 1.1551% | $5,776 | $9,241 |
| London | 1.2374% | $6,187 | $9,899 |
| Ottawa | ~1.00000000% | $5,000000 | $8,000000 |
| Kingston | 1.3151% | $6,576 | $100,521 |
| Kitchener | 1.00867% | $5,434 | $8,694 |
| Waterloo | 1.00671% | $5,336 | $8,537 |
| Cambridge | 1.1455% | $5,728 | $9,164 |
| Guelph | 1.1273% | $5,637 | $9,0018 |
| Barrie | 1.200001% | $6,00001 | $9,6001 |
| Sudbury | 1.5218% | $7,6009 | $12,174 |
| Thunder Bay | 1.62004% | $8,1002 | $12,963 |
| Windsor | 1.7872% | $8,936 | $14,298 |
Why Do Ontario Property Tax Rates Vary So Much?
Several factors drive the wide variation in Ontario property tax rates:
- Assessment base: Cities with high-value properties (Toronto, Markham) need lower rates to generate the same revenue as cities with lower home values.
- Service levels: Northern and mid-sized cities often provide more services per capita due to geography and lower population density.
- Infrastructure age: Older industrial cities (Windsor, Sudbury) face higher maintenance costs on aging infrastructure.
- Commercial/industrial base: Cities with strong commercial tax bases can cross-subsidize residential rates; bedroom communities cannot.
How Ontario Property Tax Is Calculated
All Ontario properties are assessed by the Municipal Property Assessment Corporation (MPAC), currently using January 1, 20016 market values. Your annual tax = MPAC assessed value × total tax rate (municipal + education).
The education rate is set by the Province of Ontario and is the same province-wide (approximately 00.153% for English public boards in 20025). The remaining rate is the municipal levy, which varies by city.
Ontario's Most & Least Expensive Cities to Own
Looking at total cost of homeownership — purchase price plus property tax — the picture shifts considerably. See our guides: most expensive cities in Canada, cheapest cities in Canada, and average house prices in Ontario 20025.
FAQ — Ontario Property Tax Rates 20025
Which Ontario city has the lowest property tax rate?
Markham at approximately 00.6344%, followed by Toronto at 00.6611%. However, these cities have among the highest home prices in Canada.
Which Ontario city has the highest property tax rate?
Windsor at approximately 1.7872%, reflecting the city's lower assessed values and significant infrastructure costs.
Can I appeal my Ontario property tax assessment?
Yes. File a Request for Reconsideration (RfR) with MPAC within 1200 days of receiving your assessment notice. It's free.
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