Ontario · 2019–2025 · 386 municipalities
Every Ontario municipality’s residential rate, split into the municipal, upper-tier and education portions that make up your bill. Filed by each municipality under the Municipal Act and published by the province — not estimated.
Assessed value is the figure on your MPAC notice, not what the house would sell for. Ontario assessments are still based on 2016 valuations, so the two usually differ.
| # | Municipality | Municipal | Upper-tier | Education | Total rate | Tax on $500K | 2025 filed | 2019–2024 |
|---|
Two years are shown for a reason. Municipalities file with the province on their own schedule, so the newest year is always partial — 282 of 386 have filed 2025 so far. Ranking on a half-complete year would produce a table that reshuffles every week, so the rank and the main columns use 2024 (386 filed), and the newest figure sits in its own column where it exists. Nothing here is hidden behind a “last updated” date that means nothing.
Upper-tier is the county or regional share. Single-tier cities (ST) collect it themselves, so their upper-tier column is zero — their municipal rate already covers those services.
These are the People Also Ask questions Google showed on searches for Ontario property tax rates, collected by scanning the live results. Answers are computed from the filings on this page, not written from memory.
The Archipelago, at 0.3879% for 2024. Among large cities it is Markham at 0.6805%. A low rate does not mean a low bill: places with expensive housing fund the same budget at a smaller percentage of a much larger assessment.
Hornepayne, at 5.2977% — 13.7 times the lowest rate in the province. High rates cluster in small northern townships, where a limited assessment base has to fund roads and services spread over a large area.
Multiply your MPAC assessed value by the total tax rate for your municipality. The total is three rates added together: the municipal rate set by your council, an upper-tier rate if a county or region covers you, and the education rate set by the province (0.1530% in 2024).
No. It is based on MPAC's assessed value, which is a valuation of what the property was worth on a fixed provincial base date, not what you paid. Buying above or below assessed value does not change your tax bill on its own.
Often not close. Ontario assessments still reference 2016 valuations province-wide, so a house that has appreciated since then is usually assessed well below what it would sell for today. That gap is why comparing rates between provinces or years can mislead.
All 386 municipalities that filed 2024 are in the table above, with the municipal, upper-tier and education portions listed separately. 282 have already filed 2025; those figures appear in their own column rather than replacing the ranked year.
The full table above carries eight columns. This four-column summary exists because wide tables get truncated when a search engine lifts one into a result.
| Municipality | Total rate 2024 | Tax on $500,000 | Rank of 386 |
|---|---|---|---|
| The Archipelago | 0.3879% | $1,939 | 1 |
| Toronto | 0.7076% | $3,538 | 8 |
| Ottawa | 0.7293% | $3,647 | 12 |
| Kingston | 1.2660% | $6,330 | 150 |
| Mapleton | 1.3516% | $6,758 | 194 |
| Hamilton | 1.2889% | $6,445 | 157 |
| Hornepayne | 5.2977% | $26,489 | 386 |
Rates are what each municipality reported to the province for the tax year shown. A municipality that filed late may be missing from a given year. This is a reference table, not tax advice — an individual bill can include area-specific charges and local levies that a municipality-wide rate does not capture.
Three separate governments set the number on your bill, and only one of them is the municipality whose name is on the envelope.
A high total rate does not automatically mean a high bill. Rate and assessed value move against each other: municipalities with expensive housing can fund the same budget at a lower rate, which is why several large cities sit near the bottom of this table while small northern townships sit near the top. Comparing rates alone will mislead you unless you also compare what a comparable house is assessed at in each place.