Hamilton Property Tax Calculator 2026: 1.557% Rate
Hamilton's 2026 residential rate is 1.5572% of assessed value, about $11,368 a year on the $730,000 benchmark home. Enter the value from your assessment notice to see your own bill for the year and the month, where Hamilton sits among the 42 Ontario cities here, and who sets the value you are taxed on.
How the rate for Hamilton is built. Former City of Hamilton urban area, RT: general municipal 1.0565716% (Sched. 2) + full-time fire 0.1518366% (Sched.
| What the bill usually adds or leaves out | |
|---|---|
| Flat charges for water, sewer, garbage or stormwater, where the city bills them separately | not included |
| Local improvement charges and business improvement area levies | not included |
| Provincial or municipal homeowner grants and seniors' deferrals that lower the bill | not included |
| A change in the assessment when the roll is updated or the home is sold | not modelled |
Show the math
Annual tax = assessed value × total residential rate. The rate is the sum of the municipal levy, the provincial or school education levy and any regional, transit or library levy that is charged on value, exactly as the city publishes it for 2026. Cities that publish mill rates (per $1,000) or rates per $100 of assessment are converted to a percentage. The assessed value comes from your province's assessment body, which is not the market value: Ontario still uses January 1, 2016 values, BC uses July 1 of the previous year, Alberta July 1 of the previous year, Quebec a three-year roll. The ranking compares the rates published by the 42 Ontario municipalities in our data, not every municipality in the province.
What property tax costs on a typical Hamilton home
Hamilton's benchmark home price is $730,000 (2026-07). If the assessment matched that price, the tax would be $11,368 a year, $947.31 a month. With 10% down at 4.5% over 25 years, the mortgage on that home is $3,749.04 a month, so with heat and insurance the cost of owning it is about $4,946 a month. Property tax is 19% of that, a real part of the monthly cost and one that keeps rising after the mortgage is paid off.
Against rent, the tax alone is 57% of the $1,656 average two-bedroom apartment rent in Hamilton. The rent vs buy page for Hamilton runs the whole comparison, and the mortgage page shows the income needed to qualify.
Property tax in Hamilton by assessed value
At the 2026 residential rate of 1.5572%.
| Assessed value | Tax per year | Per month |
|---|---|---|
| $400,000 | $6,229 | $519.08 |
| $600,000 | $9,343 | $778.61 |
| $800,000 | $12,458 | $1,038.15 |
| $1,000,000 | $15,572 | $1,297.69 |
Who sets the assessed value in Hamilton
The value on your notice comes from the Municipal Property Assessment Corporation (MPAC), a four-year cycle that has been postponed since 2020. For 2026 it reflects January 1, 2016. Every Ontario home is still taxed on what it was worth on January 1, 2016. A house bought recently is assessed well below its price, so the tax is a smaller share of market value than the rate suggests. Hamilton sets only the rate, when council passes the budget.
How the rate for Hamilton is built
Former City of Hamilton urban area, RT: general municipal 1.0565716% (Sched. 2) + full-time fire 0.1518366% (Sched.
How Hamilton compares in Ontario
Hamilton is 24th of 42 Ontario cities, in the middle of the range. A $600,000 assessment costs $9,343 a year, against $4,337 in Markham and $13,936 in Chatham-Kent. The rate is closer to the top of that range than the bottom.
| Cities near Hamilton's rate | Rank | Rate | Tax on $600,000 |
|---|---|---|---|
| Waterloo | 20 of 42 | 1.432% | $8,594 |
| Barrie | 21 of 42 | 1.468% | $8,805 |
| Guelph | 22 of 42 | 1.494% | $8,966 |
| Cambridge | 23 of 42 | 1.512% | $9,073 |
| Hamilton | 24 of 42 | 1.557% | $9,343 |
| Kawartha Lakes | 25 of 42 | 1.574% | $9,443 |
| Oshawa | 26 of 42 | 1.575% | $9,452 |
| Brantford | 27 of 42 | 1.595% | $9,571 |
| Kingston | 28 of 42 | 1.605% | $9,633 |
All 42 Ontario cities, ranked, are on the main property tax page and in the calculator above.
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See the main property tax page for how the calculation works and every city in the data, or the mortgage payment calculator to add the tax to a monthly housing cost.
Common questions
Frequently asked questions
- What is the property tax rate in Hamilton?
- 1.5572% of assessed value for residential property in 2026, including the education portion. Former City of Hamilton urban area, RT: general municipal 1.0565716% (Sched.
- How much is property tax on a typical home in Hamilton?
- Hamilton's benchmark home price is $730,000. At the 2026 rate the tax on that value is about $11,368 a year, $947.31 a month. Your assessment is usually not the same as the price, so check the value on your notice and enter that instead. In Ontario it is set by the Municipal Property Assessment Corporation (MPAC) as of January 1, 2016.
- Who decides the assessed value of my home in Hamilton?
- The Municipal Property Assessment Corporation (MPAC), a four-year cycle that has been postponed since 2020. The 2026 value is based on January 1, 2016. Every Ontario home is still taxed on what it was worth on January 1, 2016. A house bought recently is assessed well below its price, so the tax is a smaller share of market value than the rate suggests. The city sets the rate, not the value, when it passes its budget.
- Is property tax high in Hamilton?
- By rate it is the 24th lowest of the 42 Ontario cities in our data. On a $600,000 assessment the bill is $9,343, between $4,337 in Markham and $13,936 in Chatham-Kent.
Sources
Sources
Every figure on this page comes from one of these primary sources. Data last verified .
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