St. Thomas property tax
Answer
The 2026 residential property tax rate in St. Thomas is 1.823293%, up 5.9% from 2025. On a home assessed at $500,000 that is about $9,116 a year.
- Total residential rate, 2026
- 1.8233%
- 1.823293%
- Change from 2025
- +5.9%
- Change in the total rate
- Rank in Ontario
- 15 of 60
- Highest total rate = 1, among cities we cover
- Tax on $500,000
- $9,116
- Example value, before credits
St. Thomas property tax calculator
Estimate, 2026 residential rates
Where your St. Thomas property tax goes
2026 residential rate by component
| Component | Type | Rate (%) | % of value | Share of total | On $500,000 | Source |
|---|---|---|---|---|---|---|
| City of St. Thomas | Municipal | 1.670293 | 1.6703% | 91.6% | $8,351 | 1 |
| Education (Province of Ontario) | Education | 0.153 | 0.1530% | 8.4% | $765 | 1 |
| Total (as published) | 1.823293 | 1.8233% | 100% | $9,116 |
City of St. Thomas - 2026 Tax Rates ('2026-tax-rates-updated.pdf'), Residential: City 1.670293, School 0.153000, Total 1.82329300 (+6.07% over 2025's 1.72197500). Multi-Residential total 3.47595600; New Multi-Residential 1.99032200. The rate by-law number and date were not retrieved. A BIA rate (0.00561226) applies only within the Business Improvement Area, not to residential properties generally.
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.
St. Thomas property tax rate history
2022–2026
- 2022
- 2023
- 2024
- 2025
- 2026
| Year | Total rate | % of value | Change |
|---|---|---|---|
| 2022 | 1.587802% | 1.5878% | — |
| 2023 | 1.621847% | 1.6218% | +2.1% |
| 2024 | 1.663788% | 1.6638% | +2.6% |
| 2025 | 1.721975% | 1.7220% | +3.5% |
| 2026 | 1.823293% | 1.8233% | +5.9% |
| Component | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|
| City of St. Thomas | 1.434802 | 1.468847 | 1.510788 | 1.568975 | 1.670293 |
| Education (Province of Ontario) | 0.153 | 0.153 | 0.153 | 0.153 | 0.153 |
St. Thomas compared with other Ontario cities
Compare two citiesSt. Thomas's total residential rate of 1.8233% 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.
| Municipality | Latest year | Total rate (% of value) | Tax on $500,000 |
|---|---|---|---|
| St. Thomas | 2026 | 1.8233% | $9,116 |
| Bradford West Gwillimbury | 2026 | 1.1081% | $5,540 |
| Innisfil | 2026 | 1.2396% | $6,198 |
| New Tecumseth | 2026 | 1.1100% | $5,550 |
| Timmins | 2026 | 2.1685% | $10,843 |
| Lakeshore | 2026 | 1.4373% | $7,186 |
| County of Brant | 2026 | 1.2515% | $6,258 |
Rates are the residential rates in each city's latest confirmed year. All Ontario municipalities · National rankings
When St. Thomas property tax is due and how to look up your bill
2026 due dates
- last business day of February
- last business day of April
- last business day of July
- last business day of October
Two bills a year. Interim bill (mailed late January or early February; 50% of the previous year's total taxes) due in two instalments on the last business day of February and of April. Final bill (mailed late June or early July; current-year rates less the interim) due on the last business day of July and of October. The City states the rule rather than calendar dates; each bill shows the exact amount and due date of each instalment.
Late payment: 1.25% applied to unpaid taxes on the first business day of the month after the due date, and a further 1.25% on the first business day of each month while unpaid ('This is equivalent to 15% per year').
Look up or pay your bill
No online tax account portal was found on the City's property tax pages; the City says your tax bill shows the balance and due dates and that you can contact the Treasury Department ([email protected], 519-631-1680) for account information. Bill reprints cost $10.
St. Thomas official property tax page
Pre-authorized payment: Monthly plan (last business day of each month; join any time if the account has no outstanding balance) or Installment plan (withdrawn on the February, April, July and October due dates); account must be paid in full to join; supplementary bills are not included. Online or telephone banking (payee City of St. Thomas, 15-digit roll number). In person at City Hall, 545 Talbot Street (debit, cash, cheque; no credit cards). Cheque by mail to City of St. Thomas, PO Box 520, 545 Talbot Street, St. Thomas, ON N5P 3V7 (post-dating allowed; must be postmarked on or before the due date; $40 NSF fee) or night depository at the rear east entrance of City Hall. At most financial institutions (fees may apply). Tax bills can be received by email instead of regular mail by returning the Property Tax Email Consent form to the Treasury Department.
From St. Thomas's official property tax pages (sources 4, 5, 6, 8, 12). Check your bill for the exact amounts and dates.
Your assessment in St. Thomas
How assessment works in OntarioAssessed by: MPAC (Municipal Property Assessment Corporation). Valuation date used for 2026 taxes: January 1, 2016.
Contact MPAC if you disagree with your assessed value or classification. For many properties the first step is a Request for Reconsideration; the deadline is shown on your Property Assessment Notice. If you still disagree after reconsideration, you may be able to appeal to the Assessment Review Board.
Rebates, credits and programs in St. Thomas
All Ontario programsThese 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.
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.
St. Thomas property tax FAQ
What is the property tax rate in St. Thomas?
The total residential property tax rate in St. Thomas for 2026 is 1.823293%, which is 1.8233% of assessed value. It is made up of City of St. Thomas (1.670293%), Education (Province of Ontario) (0.153%).
How much property tax would I pay on a $500,000 home in St. Thomas?
At the 2026 residential rate, a property assessed at $500,000 would pay about $9,116 a year before any grants, credits, fixed charges or local improvement levies. Your actual bill uses your own assessed value.
When are St. Thomas property taxes due?
Interim instalments are due on the last business day of February and April; final instalments on the last business day of July and October. Your bill shows the exact dates.
What is the 2026 residential tax rate in St. Thomas?
The 2026 residential rate is 1.82329300% of assessed value: City 1.670293% plus education 0.153000%.
Can I pay St. Thomas property taxes by credit card?
No. The City does not currently accept credit cards for property tax payments. You can pay by pre-authorized payment, online or telephone banking, cheque, or debit or cash at City Hall.
What is the penalty for paying St. Thomas property taxes late?
1.25% is added on the first business day of the month after the due date and a further 1.25% each month while unpaid, equivalent to 15% per year.
Sources
Verified by a second check against these sources on October 28, 2026
- City of St. Thomas - 2026 Tax Rates, City of St. ThomasTax year 2026 · checked October 28, 2026 · copy archived
- City of St. Thomas - 2025 Tax Rates, City of St. ThomasTax year 2025 · checked October 28, 2026 · copy archived
- City of St. Thomas - 2024 Tax Rates (includes 2023 total for comparison), City of St. ThomasTax year 2024 · checked October 28, 2026 · copy archived
- Property Taxes (due dates, late payments), City of St. ThomasTax year 2026 · checked October 28, 2026 · copy archived
- Tax Rates and Calculation, City of St. ThomasTax year 2026 · checked October 28, 2026 · copy archived
- Pay My Property Taxes, City of St. ThomasTax year 2026 · checked October 28, 2026 · copy archived
- Property Assessments, City of St. ThomasTax year 2026 · checked October 28, 2026 · copy archived
- Property Tax Frequently Asked Questions (FAQs), City of St. ThomasTax year 2026 · checked October 28, 2026 · copy archived
- Ontario Financial Information Return, Schedule 22, 2022-2025 (St Thomas C), Ontario Ministry of Municipal Affairs and HousingTax year 2023 · checked October 28, 2026 · copy archived
- City of St. Thomas - 2022 Tax Rates (archived copy of the City's file), City of St. ThomasTax year 2022 · checked October 28, 2026 · copy archived
- City of St. Thomas - 2023 Tax Rates (archived copy of the City's file), City of St. ThomasTax year 2023 · checked October 28, 2026 · copy archived
- Billing and Address Changes, City of St. ThomasTax year 2026 · checked October 28, 2026 · copy archived
Every figure on this page comes from the official sources above and was checked twice. Not affiliated with any government, municipality or assessment authority. Spotted an error? Report it.