Rate year 2025 · Ontarioofficial derivedRank #3Total residential rate 1.226% — about $8,582 per year on $700,000 residential assessment (illustrative) (~$715.17 / month).
By Sammy S. · Founder · AuthorUpdated for 2026
1.226%
Residential rate
$8,582
Vignette annual
$715.17
Vignette monthly
#3
Curated rank
Total residential rate
1.226%
Vignette annual tax
$8,582
Rate year / confidence
2025 · official derived
Rank in curated set
#3 · Ontario
Urban total of $1,226 per $100,000 assessment published by the City for 2025 (municipal + education + area services). Rural/area-rated bills differ. 2026 final bills: due June 18, 2026 (ottawa.ca); confirm 2026 urban $/100k when the city updates the published breakdown.
| Assessed value | Annual tax | Monthly |
|---|---|---|
| $500,000 | $6,130 | $510.83 |
| $700,000 | $8,582 | $715.17 |
| $1,000,000 | $12,260 | $1,021.67 |
Vignette default: $700,000 residential assessment (illustrative) ($700,000). Displayed rates use three decimals; tax dollars use the full municipal rate.
Estimate your annual property tax
Use the assessed value from your notice, not a market listing price.
Ottawa rate year 2025 · official derived · Urban total of $1,226 per $100,000 assessment published by the City for 2025 (municipal + education + area services). Rural/area-rated bills differ. 2026 final bills: due June 18, 2026 (ottawa.ca); confirm 2026 urban $/100k when the city updates the published breakdown.
Estimate
Annual property tax
$8,582
Monthly
$715.17
Rate applied
1.226%
Excludes empty-home levies, local improvements, BIAs, utility transfers, and grants. Not a tax bill.
Guide
Ottawa applies a 2025 residential rate of 1.226% (official derived) to assessed value. On $700,000 residential assessment (illustrative) that is about $8,582 per year (~$715.17 / month).
Urban total of $1,226 per $100,000 assessment published by the City for 2025 (municipal + education + area services). Rural/area-rated bills differ. 2026 final bills: due June 18, 2026 (ottawa.ca); confirm 2026 urban $/100k when the city updates the published breakdown.
The Municipal Property Assessment Corporation (MPAC) sets the assessed value for Ontario. Multiply that value by 1.226% (÷ 100) for a planning estimate that matches this profile’s scope.
At $500,000 assessed: about $6,130. At $1,000,000: about $12,260 before credits or local adders.
Verify your property class, area rating, and any mid-year updates on the municipal schedule linked below. Last checked 2026-08-09.
City of Ottawa — what you get for your property taxes →Guide
Property tax in Ottawa follows Ontario assessment and billing rules. These points explain what usually sits beside the municipal rate on a local notice.
MPAC current-value assessment is the usual base. Valuation dates can lag the open market; phased-in assessment may apply after a province-wide update.
Ontario residential education rates are set by the province and collected with city (and regional) levies on the same tax notice for most homeowners.
Guide
Treat the vignette and calculator as educational planning tools. Final instalments follow the city’s billing calendar and any credits on your account.
Tax scales linearly with assessed value under a flat percent rate. A $1,000,000 assessment is about $12,260 at this Ottawa rate before credits.
Local improvements, BIA levies, separate utility flat fees, empty-home or vacancy taxes, and phase-in or averaging programs are outside this estimate.
Ottawa is rank #3. The next higher-rate city in this set is Hamilton at 1.557%; a lower-rate neighbour is Vancouver at 0.336%.
Compare Ottawa with another municipality on the compare pages, or open the city portal linked in sources before relying on the figure for a purchase or move.
Guide
Annual property tax is only one carrying cost. Pair this 1.226% estimate with mortgage stress-test and land-transfer tools before you commit.
Confirm assessed value, class, area rating, and any local improvement or BIA lines that will transfer with the property.
Ask whether Home Owner Grant, senior, or other Ontario credits apply to your household—those reduce net tax after the rate is applied.
Interim vs final billing (or monthly PAD) affects cash flow even when the annual levy is unchanged. Use the city’s published due dates.
Rates can change each spring. Re-check City of Ottawa — what you get for your property taxes if you are closing near a new tax year.
Most cities finalize residential rates each spring after budgets and education requisitions. This hub labels each city’s rate year and last-checked date.
Toronto issues interim and final bills. Estimated tax = assessed value × total residential rate (city + education + City Building Fund). Special charges can appear on the instalment schedule.
Calgary mails the annual bill in May for the calendar year; the due date is typically the last business day of June. Total = assessment × (city rate + provincial education rate).
Ottawa’s 2026 final property tax bills were scheduled for mid-May mailing with a Thursday, June 18, 2026 payment due date (ottawa.ca). Urban vs rural stacks differ.
Bills use assessed value from MPAC, BC Assessment, or the municipal assessor — often a phased or valuation-date figure, not today’s sale price. Formula: annual tax ≈ assessment × residential rate.
Toronto’s published residential total is 0.767% vs Vancouver’s 0.336% — but dollar bills still depend on each city’s assessment for the same home. Compare rates and assessments together.
Victoria’s Class 1 mill rate here (0.372%) is city levy only. Vancouver’s published residential total already includes provincial school and regional levies — scopes differ.
Calgary’s 2026 residential total is 0.665% (city + provincial education). Edmonton’s residential/farmland total is 1.036% including an education requisition allowance — municipal stacks differ.
Droits de mutation (welcome tax) are a one-time transfer duty at purchase. Annual municipal property tax is a separate ongoing levy — see Land Transfer Tax by City for closing tax.
Compare any two cities
Total residential rates, vignette tax, and official sources.