{"id":1003,"date":"2025-01-09T17:12:17","date_gmt":"2025-01-09T17:12:17","guid":{"rendered":"https:\/\/wp.springfinancial.ca\/?p=1003"},"modified":"2025-12-12T22:09:00","modified_gmt":"2025-12-12T22:09:00","slug":"how-to-deal-with-property-tax-bills-canada","status":"publish","type":"post","link":"https:\/\/springfinancial.ca\/fr\/blog\/homeowner-finances\/how-to-deal-with-property-tax-bills-canada\/","title":{"rendered":"How to Deal with Property Tax Bills in Canada"},"content":{"rendered":"\r\n

That said, while the premise of property taxes is the same, the process is slightly different depending on where you live.<\/p>\r\n\r\n\r\n\r\n

What are Property Taxes?<\/h2>\r\n\r\n\r\n\r\n

If you own a property in Canada, then you have to pay property taxes. What your property tax rates are will depend on where you live, but they usually sit between 0.5% – 2.5% of the property’s market value. This money is paid directly to your municipality and helps fund public services such as fire stations, police stations, garbage collection, public transit, road work and snow removal.<\/p>\r\n\r\n\r\n\r\n

How to Predict What Your Taxes Will Be<\/h2>\r\n\r\n\r\n\r\n

When it comes to figuring out what your property tax payment is going to be, each municipality has its own rate, so it’s hard to know. While most things are decided by the provincial government, this is determined by the local government. With that in mind, if you go to your local government website, many will have a property tax calculator. Using your property tax account and your estimated property values, it can calculate roughly how much your property taxes may be.<\/p>\r\n\r\n\r\n\r\n

People like this feature because it helps them determine what they need to save in order to make their property tax payments. It’s also calculated based on the current municipal tax rate so it’s more accurate.<\/p>\r\n\r\n\r\n\r\n

How to Pay Them<\/h2>\r\n\r\n\r\n\r\n

Once you receive your property tax notice to your mailing address addressed to the property owner\/property owners, there are typically two different ways you can pay them: through your mortgage or directly to the municipality. Either way, there will be a due date on the property tax notice stating when they must be paid by. If you live in a province that has homeowners grants, then those must be filled out by the due date as well to avoid a late payment penalty. You must also pay property taxes (the remittance portion) using Canadian funds.<\/p>\r\n\r\n\r\n\r\n

\"\"<\/a><\/figure>\r\n\r\n\r\n\r\n

 <\/p>\r\n\r\n\r\n\r\n

Paying in Person<\/h3>\r\n\r\n\r\n\r\n

By making the choice to pay your property taxes to the municipality, it’s up to you to be sure that they are paid by the due date to avoid any penalties. Just because you choose this option though, doesn’t mean that you have to pay in person. On your property tax bill it will list the different ways that you can pay. These are usually in person, on the phone or online.<\/p>\r\n\r\n\r\n\r\n

When it comes to paying them in person, you have the choice of going to the designated place to pay your property taxes or paying them through your financial institution. You can also pay through online banking with your account information, including your account number. You can even set up pre-authorized payments to pay them slowly throughout the year if your municipality offers this. Some local governments even allow you to make your property tax payments via mailed payments using a cheque or money order.<\/p>\r\n\r\n\r\n\r\n

Paying through your Mortgage<\/h3>\r\n\r\n\r\n\r\n

Another way to pay your property taxes is with your mortgage payments. This means that your mortgage company will make your property tax payments, and that amount will be added to your mortgage. They do this by taking the property tax amount and dividing it by 12, then adding it to each monthly payment.<\/p>\r\n\r\n\r\n\r\n

In some cases, your mortgage lender may require you to pay your property taxes this way. This is usually because you have less than 20% equity in your home or you are a first-time home buyer. This is actually protection from the lender because if you default on your taxes, there could be a lien put on your property. It’s in the lender’s best interest to ensure that these taxes are paid.<\/p>\r\n\r\n\r\n\r\n

How Property Taxes Work With Change In Ownership<\/h2>\r\n\r\n\r\n\r\n

When there is an ownership change of a home a partial amount of the property taxes are then paid from the old owner to the new owner. The amount of property taxes that are paid is based on how much time is left before the next property tax bill. For example, if the sale of the home goes through in late May and the new property taxes are due in July, then the portion of the property taxes from late May to July is then paid to the seller.\u00a0<\/p>\r\n\r\n\r\n\r\n

Who Conducts Property Assessments And How Often Are They Done<\/h2>\r\n\r\n\r\n\r\n

In Canada, every province has their own company that does annual property assessments on properties and land. These property assessments are then used to determine your annual property taxes with your municipality. Residential and commercial property owners are also sent a copy of the property\u2019s assessed value in the mail through Canada Post. Here are the different companies used by the different provinces.\u00a0<\/p>\r\n\r\n\r\n\r\n

\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n\r\n
Province<\/td>\r\nProperty Assessment Company<\/td>\r\n<\/tr>\r\n
Britsh Columbia<\/td>\r\nBC Assessment<\/td>\r\n<\/tr>\r\n
Alberta<\/td>\r\nDone by each municipality<\/td>\r\n<\/tr>\r\n
Saskatchewan<\/td>\r\nSaskatchewan Assessment Management Agency<\/td>\r\n<\/tr>\r\n
Manitoba<\/td>\r\nProperty Assessment Services, City of Manitoba<\/td>\r\n<\/tr>\r\n
Ontario<\/td>\r\nMunicipal Property Assessment Corporation<\/td>\r\n<\/tr>\r\n
New Brunswick<\/td>\r\nSNB Property Assessment<\/td>\r\n<\/tr>\r\n
Nova Scotia<\/td>\r\nProperty Valuation Services Corporation<\/td>\r\n<\/tr>\r\n
Prince Edward Island<\/td>\r\nGovernment of PEI<\/td>\r\n<\/tr>\r\n
Quebec<\/td>\r\nGovernment du Quebec<\/td>\r\n<\/tr>\r\n
Newfoundland and Labrador<\/td>\r\nMunicipal Assessment Agency<\/td>\r\n<\/tr>\r\n<\/tbody>\r\n<\/table>\r\n<\/figure>\r\n\r\n\r\n\r\n

After You Pay Your Property Taxes<\/h2>\r\n\r\n\r\n\r\n

Once you\u2019ve paid your property taxes, you\u2019ll receive a receipt stating that your property taxes are paid up to date. However, if you don\u2019t pay your taxes by the due date, then you\u2019ll receive a statement including the overdue amount and a contact number you can use to make arrangements for payment. All overdue amounts are subject to penalties and interest. In some cases, your homeowner’s grant can be revoked, and you\u2019re now responsible for that amount as well.\u00a0<\/p>\r\n\r\n\r\n\r\n

Final Thoughts<\/h2>\r\n\r\n\r\n\r\n

No matter what you decide to do, as a homeowner, your property taxes need to be paid. Many local governments do offer flexible payment options so it’s important to look into that and see what works best for you. Either way, to avoid penalty, it’s best to pay your taxes on time.<\/p>\r\n\r\n\r\n\r\n

 <\/p>\r\n","protected":false},"excerpt":{"rendered":"

If you are a Canadian homeowner, you likely expect your yearly property tax bill. 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