Waterloo property tax

Residential (RTEP) row of the City's current property tax rates table: City 0.437426%, Region 0.841834%, Education 0.153000%, Total 1.432260%. The City states: 'In 2026, the residential tax rate is 1.432260%.' The split of the 2026 Region rate between general levy and special budgetary levy was not verified.

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.

Waterloo's total residential rate of 1.4323% is below 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 Waterloo's official property tax pages (sources 6, 8, 1). 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.

• Property tax deferral (seniors receiving GIS and people receiving ODSP)

  Seniors who receive the Guaranteed Income Supplement and people receiving Ontario Disability Support may qualify for a property tax deferral; apply with the City's tax deferral form. Run by City of Waterloo (under a Region of Waterloo policy).

• Tax appeal (cancellation or reduction of taxes, Municipal Act)

  Apply to cancel or reduce taxes where a property could not be used for at least three months due to repairs or renovations, after a fire or demolition, on a change to exempt status, or for a serious assessment error; deadline is the end of February of the following year. Run by City of Waterloo.

• 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.