The Archipelago property tax rate 2025

The Archipelago in short

$2,051 a year on a $500,000 home: $1,286 to The Archipelago council and $765 to schools.
Up 0.07 points since 2019, or $341 a year more on a $500,000 home.

2025 is the newest year The Archipelago has filed. Every municipality on this site is compared at its newest filed rate: 283 have filed 2025, and the other 131 are at their newest year, mostly 2024.

Who sets the rate

Two bodies set The Archipelago's rate: The Archipelago council and the Province of Ontario, for schools. The Archipelago has no county above it, so there is no county or region portion: its own rate of 0.26% already pays for services that a county would run elsewhere. That is also why comparing The Archipelago's municipal rate directly against a township's understates what the township actually pays.

$1,286$765

Portion	Rate	On $500,000	Share
MunicipalThe Archipelago council	0.26%	$1,286	63%
County or regionNone in The Archipelago	0.00%	$0	0%
EducationProvince of Ontario	0.15%	$765	37%
Total	0.41%	$2,051	100%

Each rate is rounded to two decimals, so the parts can add up to 0.01 off the total.

How the rate has changed, 2019–2025

Up every year since 2020. Since 2019 the total rate here has risen by 0.07 percentage points, from 0.34% to 0.41%. On a $500,000 home that is $341 a year more than in 2019.

20190.34%$1,710
20200.33%$1,663
20210.34%$1,676
20220.34%$1,693
20230.38%$1,884
20240.39%$1,939
2025^*0.41%$2,051

Total residential rate, with the tax on a $500,000 home underneath. *2025 is The Archipelago's own filing; 104 municipalities have not filed 2025 yet.

Each part of the rate, year by year

Over the same years the residential assessment base moved from $2,007M to $2,080M, and the residential levy collected went from $7M to $9M. A rate rising while the base also grows means the budget grew faster than property values; a rate falling while the base grows usually means the opposite. Assessment is the figure on the MPAC notice, still based on 2016 values province-wide.

Year	Municipal	County or region	Education	Total	Change	On $500,000
2019	0.18%	—	0.16%	0.34%	—	$1,710
2020	0.18%	—	0.15%	0.33%	−0.01 pts	$1,663
2021	0.18%	—	0.15%	0.34%	+0.00 pts	$1,676
2022	0.19%	—	0.15%	0.34%	+0.00 pts	$1,693
2023	0.22%	—	0.15%	0.38%	+0.04 pts	$1,884
2024	0.23%	—	0.15%	0.39%	+0.01 pts	$1,939
2025*	0.26%	—	0.15%	0.41%	+0.02 pts	$2,051

Why are The Archipelago property taxes so low?

The Archipelago's total rate of 0.41% is 0.99 percentage points below the provincial middle (1.40%), which is not the same as a small bill. The taxable value is large next to what the budget must cover — $2.08B of residential value funds $8.5M in levy here — so a lower percentage raises enough, and the dollar amount on an expensive house can still be high.

Home values

Homes here are assessed at $612,700 per household, 234% more than the middle ($183,474). Higher values let it raise the same money per household at a lower rate.

Spending

It spends $4,024 per household, 47% less than the middle ($7,558). It spends more on running the municipality (+$430), garbage and recycling (+$146) and social and family services (+$108), and less on roads and bridges (−$529) and parks and recreation (−$391).

← Less than the middleMore than the middle →
Running the municipality+$430
Garbage and recycling+$146
Social and family services+$108
Roads and bridges−$529
Parks and recreation−$391

What it costs to live in The Archipelago

Cost	The Archipelago	Ontario middle
Rent, per monthmedian, 2021	—Not published	$980
Home valueowners’ estimate, 2021	$600,000Higher than 74% of 412	$400,000
Property tax on a $500,000 assessment2025	$2,051The lowest	$6,992
Households spending 30% or more on housingshare of income, 2021	14.3%Lower than 54% of 400	15.0%
Household incomemedian, before tax, 2020	$83,000Lower than 50% of 405	$84,000

Ontario has no official cost-of-living index for single towns. Statistics Canada’s consumer price index covers only Toronto, Ottawa and Thunder Bay here, and it measures change over time, not the gap between places. These are the costs published for each municipality: what renters paid and owners estimated in the 2021 Census, not today’s asking rents or sale prices.

Places like The Archipelago

The 5 places closest to The Archipelago on total tax rate, assessment / household, spending per household, population, 5-year growth, people per household, among places with no county above them.

Place	Newest rate	On $500,000
The Archipelago this page	0.41%	$2,051
Whitestone2024 rate	0.72%	$3,614
Carling	0.74%	$3,712
McKellar	0.78%	$3,903
Armour	0.96%	$4,804
Kearney2024 rate	1.16%	$5,809

Others in Parry Sound District

Municipalities that share The Archipelago's county or district. Rates compare most cleanly between places whose assessments sit at similar levels.

Municipality	Rate	On $500,000	vs The Archipelago
Seguin	0.59%	$2,926	+$876
Whitestone2024 rate	0.72%	$3,614	+$1,564
Carling	0.74%	$3,712	+$1,661
McKellar	0.78%	$3,903	+$1,852
McDougall	0.83%	$4,149	+$2,098
Armour	0.96%	$4,804	+$2,753
Perry	0.97%	$4,839	+$2,788
Magnetawan	1.00%	$5,020	+$2,970

All 414 Ontario municipalities in one table

More on The Archipelago

All 5 property classes, 2025

Residential is one of 5 classes The Archipelago reported this year. The tax ratio is the multiple applied to the residential rate: a ratio of 1.7 on multi-residential means an apartment building pays 1.7× what a house pays on the same assessed value.

Class	Tax ratio	Municipal	County or region	Education	Total
Industrial	1.1273	0.29%	—	0.78%	1.07%
Commercial	1.079	0.28%	—	0.64%	0.91%
Residential	1	0.26%	—	0.15%	0.41%
Farmland	0.25	0.06%	—	0.04%	0.10%
Managed Forest	0.25	0.06%	—	0.04%	0.10%

Sources and method

Tax rates and spending come from the Financial Information Return that The Archipelago files with the Province of Ontario; population, rents and home values from Statistics Canada.

Every source, the method and the limits

Tax rates: Ontario Financial Information Return (FIR), 22 GPL — Municipal and School Board Taxation. Ministry of Municipal Affairs and Housing, Municipal Act s.294(1). Years 2019, 2020, 2021, 2022, 2023, 2024, 2025; retrieved 2026-10-11. Download the file
Spending, households: Financial Information Return Schedule 40 (consolidated expenses by function) and Schedule 02 (households and population).
Population: Adapted from Statistics Canada, Table 17-10-0155-01, Population estimates, July 1, by census subdivision. This does not constitute an endorsement by Statistics Canada of this product. Statistics Canada Open Licence.
Rent, home value, income: Adapted from Statistics Canada, Census Profile, 2021 Census of Population. This does not constitute an endorsement by Statistics Canada of this product. Statistics Canada Open Licence. Rent is the median monthly shelter cost of renter households (rent plus any utilities they pay). The Ontario middle is the median across the municipalities with a published figure.
Method: Dollar figures are the rate times $500,000 of assessed value. Standing compares The Archipelago's 2025 total residential rate with all 414 Ontario municipalities: 413 of the other 413 charge more. The five colours split them into fifths.
Municipality ID: MunID 49005, MAH 86621
Limits: These are the figures The Archipelago filed with the province. An individual bill can include area-specific charges and local improvement levies that a municipality-wide rate does not capture. Reference, not tax advice.

The Archipelago property tax rate, 2025

The lowest of the 414 Ontario municipalities