Hamilton property tax

Headline is Residential/New Multi-Residential (RT/NT) in the former City of Hamilton, Urban (transit) area with Full Time Fire. The City publishes this total as 0.015572337 (1.557% on the summary table, $6,028 on a $387,100 home). Components are from By-law 26-064, Schedules 2-4: Total City General Levy 0.010565716 = Other City Services + Provincially Shared + Police (the three printed rates add to 0.010565715; the 1-in-the-9th-decimal gap is rounding in the by-law). The listed components sum to the published total 1.5572337%. Area totals are from the City's "2026 Total Tax Rates (Municipal + Education)" table, using the column labels as printed there. Rates come from the by-law, which states them as decimal fractions of assessment (for example 0.00805065). They are recorded here in percent by moving the decimal point two places, with no rounding.

Rates as published for the residential class. Bills can also include fixed charges, local improvement levies and utility fees that are not based on assessed value.

Hamilton's total residential rate of 1.5572% is above the 1.4606% average of the 60 Ontario municipalities we cover. A lower rate does not always mean a lower bill: tax = assessed value × rate, so cities with high home values often have lower rates.

Rates are the residential rates in each city's latest confirmed year. All Ontario municipalities · National rankings

From Hamilton's official property tax pages (sources 8, 1, 9, 10, 11). Check your bill for the exact amounts and dates.

These programs are run by the city or the province. Eligibility is decided by the organization that runs each one; follow the links for the official rules.

• Deferral of tax increase (2026 taxation year)

  Defers the annual property tax increase, with no interest while you remain eligible, until the property is sold. For owners 65+ (born 1960 or earlier) or receiving ODSP, GIS disability or CPP disability, with combined income of $44,568 or less (line 15000, 2025 Notice of Assessment). Apply by the last business day of February of the following year. Run by City of Hamilton.

• Full deferral of tax (2026)

  Defers the full 2026 taxes, with interest compounded annually (2026 rate = 4.45%), until the property is sold. Same age/disability test and $44,568 income limit. Fee: $200 (plus HST) application fee, then $100 (plus HST) annual renewal. Accumulated deferrals cannot exceed 40% of assessed value. Apply by the last day of September of the current year. Run by City of Hamilton.

• Seniors (65+) tax rebate (2026 taxation year)

  A $241 property tax credit for owners 65+ with combined income of $44,568 or less and a residential assessed value at or below $505,694. An additional $175 Seniors Utility Rebate is available with an active metered water account. Apply by the last business day of February of the following year. Run by City of Hamilton.

• Ontario Energy and Property Tax Credit (OEPTC)

  A tax-free Ontario payment that helps residents with property tax and the sales tax on energy costs. For the 2026 benefit year the maximum is $1,307, or $1,488 for seniors, paid through the Ontario Trillium Benefit.

• Northern Ontario Energy Credit (NOEC)

  A tax-free payment for residents of 10 Northern Ontario districts to help with higher home energy costs. For the 2026 benefit year the maximum is $189 for a single person and $290 for families, paid through the Ontario Trillium Benefit.

• Ontario Senior Homeowners' Property Tax Grant (OSHPTG)

  An annual Ontario grant of up to $500 for low- to moderate-income homeowners aged 64 or older who paid Ontario property tax on their principal residence. It is claimed on Form ON-BEN with the income tax return and paid by the Canada Revenue Agency.

• Vacant Unit Tax (VUT) in force 2026

  An additional tax of 1% of current assessed value on a residential unit vacant for more than 183 days in the previous year. Owners must declare each year. For the 2025 occupancy year, the declaration deadline was extended to May 15, 2026; units without a declaration are deemed vacant. The City says the second year the VUT is payable is 2026, based on 2025 status. The first-appeal deadline is October 7, 2026, or 120 days from the VUT bill date.

• Hamilton Vacant Unit Tax

  Hamilton's Vacant Unit Tax (VUT) is an annual City tax of 1% of a property's current assessed value on a residential unit that was vacant for more than 183 days in the previous calendar year. Every owner of a residential property must file an occupancy declaration each year, including for a principal residence.