Property tax formulas differ enough between Canadian cities that the same assessed value produces very different math depending on where you are: Toronto applies one combined percentage, Winnipeg applies a mill rate to only 45% of your home's value, and Halifax charges per C$100 of assessed value plus a separate education levy. Ottawa, Calgary, Vancouver and Edmonton do not publish a residential rate this page can verify — check those cities' own sites directly rather than trust a secondhand number.
Toronto: one combined percentage of assessed value
Toronto publishes a single residential total tax rate of 0.767311% for 2026 — a combined figure that already bundles the city's own levy with the education portion, so you apply it once to your current value assessment rather than adding several separate rates together.
Winnipeg: the mill rate applies to only 45% of your home's value
Winnipeg's formula works differently from a straight percentage of assessed value. The city first applies a 45% portioning percentage to your home's market-value assessment, then applies the mill rate to that reduced "portioned" figure — not to the full assessed value. The 2026 municipal mill rate is 13.372, and the combined rate (municipal plus education/school division) varies by which school division your property falls in, from 25.223 (Pembina Trails) to 29.530 (Seven Oaks); Winnipeg School Division itself sits at 29.366.
Halifax: per-C$100 of assessed value, and the published rate is not the whole bill
Halifax Regional Municipality's fiscal-year 2026/27 general residential rate is C$0.687 per C$100 of assessed value in the urban area, and C$0.654 per C$100 in suburban and rural areas. Critically, the municipality states this general rate sits alongside a separate supplementary education rate that applies to every tax area on top of it — the general rate alone is not your full bill, and any area-specific rate (transit, for example) adds further.
Why Ottawa, Calgary, Vancouver, Edmonton and Montréal aren't listed with a rate
This page only publishes a city's rate when it can be checked against that city's own current, readable government page. Ottawa's tax-rate page and Vancouver's residential-tax page were both blocked to automated access at the time of the last check; Calgary's and Edmonton's own pages showed year-over-year percentage changes but not the underlying base rate itself; Montréal's rate table is published only through a document this session could not locate a working link for. Rather than carry a number pulled from a secondary source that might not match what any of these five cities are actually charging this year, this page leaves them out and tells you to check the municipality directly — the same standard applied to every city that is listed.
Property tax and land transfer tax are different taxes — don't conflate them
The figures above are the recurring annual tax every property owner pays. They are entirely separate from land transfer tax (or, in BC, Property Transfer Tax; in Ontario, Land Transfer Tax), which is a one-time charge paid only once, on closing, calculated on the purchase price rather than the assessed value, and never repeats. A buyer budgeting for "property tax" who is actually estimating their one-time closing bill — or vice versa — will misjudge either their monthly carrying cost or their cash needed to close, since the two taxes use different bases, different schedules, and in most provinces, different levels of government entirely.
Methodology
Every rate above is the municipality's own currently published figure, applied exactly as that municipality describes its own formula — including Winnipeg's portioning step, which a straight-percentage calculation would get wrong. Cities without a currently verifiable government rate are named, not estimated. Land transfer tax figures are shown only to distinguish that tax from the annual property tax this page covers, not as a re-statement of a full land transfer tax bill.
Sources
- City of Toronto — Property Tax Rates and Fees — accessed 2026-09-21
- City of Winnipeg, Assessment and Taxation Department — 2026 Combined Mill Rates — accessed 2026-09-21
- Halifax Regional Municipality — Tax Rates — accessed 2026-09-21
- Government of Ontario — Calculating land transfer tax — accessed 2026-09-21
- Government of British Columbia — Property Transfer Tax — accessed 2026-09-21