Ottawa Property Tax Calculator 2026
Based on 2026 Ottawa residential mill rate estimate. Includes municipal and provincial education levies.
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Get KOHO Free — Code 45ET55JSYAOttawa Property Tax Rate 2026
Ottawa's 2026 residential property tax rate is approximately 1.0% of MPAC assessed value. This places Ottawa right at the national Canadian average and significantly above Toronto (0.63%) and Vancouver (0.27%), while sitting below cities like Hamilton (1.26%) or London (1.37%). Ottawa's rate reflects a balance between a strong public sector employment base, suburban expansion costs, and bilingual service requirements.
On a home assessed at $650,000, Ottawa homeowners pay approximately $6,500 annually — or $542 per month. Ottawa's property values are generally lower than Toronto and Vancouver, so while the rate is higher, the absolute dollar amounts are more manageable for most homeowners. The City targets 3% annual increases in its multi-year financial planning.
Ottawa MPAC Assessment
Like all Ontario municipalities, Ottawa uses MPAC (Municipal Property Assessment Corporation) for property valuations. Ottawa properties are assessed at their Current Value Assessment (CVA) using the January 1, 2016 base date (the most recent reassessment cycle). This means many Ottawa properties are assessed well below their current market values, particularly in fast-growing neighbourhoods like Kanata, Barrhaven, and Orleans.
Ottawa vs Other Ontario Cities — 2026
| City | 2026 Rate | Tax on $650K | Tax on $400K |
|---|---|---|---|
| Ottawa | ~1.00% | $6,500 | $4,000 |
| Toronto | 0.6320% | $4,108 | $2,528 |
| Mississauga | ~0.83% | $5,395 | $3,320 |
| Hamilton | ~1.26% | $8,190 | $5,040 |
| Kingston | ~1.35% | $8,775 | $5,400 |
| Barrie | ~1.10% | $7,150 | $4,400 |
How to Appeal Your Ottawa Property Assessment
Ottawa homeowners who disagree with their MPAC assessment follow Ontario's standard appeal process: first file a Request for Reconsideration (RfR) with MPAC within 120 days of receiving your Assessment Notice — this is free. If unsatisfied with MPAC's RfR decision, escalate to the Assessment Review Board (ARB) by March 31 of the tax year. The ARB is an independent provincial tribunal that hears all Ontario assessment disputes.
Ottawa has seen particularly strong assessment appeals in newer suburban communities where rapid construction has made comparable sales analysis challenging, and in older urban areas where heritage designations or environmental factors affect market value.
Ottawa Property Tax Programs
- Deferral for Low-Income Seniors: Ottawa offers property tax deferral for qualifying seniors (65+) with household incomes under $37,000. Deferred taxes accrue interest and become due upon sale or transfer.
- Disability Tax Assistance: Homeowners with qualifying disabilities may defer a portion of annual tax increases.
- Heritage Properties: Properties designated under the Ontario Heritage Act may qualify for tax relief programs.
- Farm Property: Working farm properties within Ottawa's rural areas are assessed at farm rates — significantly lower than residential rates.
See our guides on best banks in Ontario and compare all Canadian cities on our property tax comparison page.