Oshawa Property Tax 2026 — Mill Rate 15.753 (1.5753%)

What is Oshawa's 2026 property tax rate?

Oshawa's 2026 residential mill rate is 15.753 mills, i.e. $15.753 of tax per $1,000 of assessed value (1.5753%, or 0.01575342 as a decimal). On a $750,000 home this works out to $11,815 per year, or roughly $985 per month if your lender holds the tax in escrow. Source: https://www.oshawa.ca/media/n44bunoc/032-2026.pdf, last verified 2026-09-27.

When are Oshawa property taxes due?

Oshawa's 2026 interim bill was due February 27, 2026 and April 30, 2026. Oshawa's 2026 final bill was due June 30, 2026 and September 29, 2026. Interim dates set by By-law 115-2025 ("2026 Interim Tax Levying By-law"), read at https://media-002-ca.cdn.govstack.com/oshawa-016-ca/media/h31fniik/115-2025.pdf. Final dates for residential (an "Uncapped" realty tax class) set by By-law 32-2026 ("2026 Final Tax Rate By-law"), https://www.oshawa.ca/media/n44bunoc/032-2026.pdf; Commercial/Industrial ("Capped") final instalments fall later, on September 29 and October 30, 2026. Late payments carry a 1.25% penalty on the first day of default and a further 1.25% interest on the first day of each subsequent month. Source: https://www.oshawa.ca/media-manager/media-pages/by-law-library/2026-interim-property-tax, last verified 2026-08-27. Most lenders collect property tax monthly through PITI escrow rather than waiting for the city's due date.

How is my Oshawa home assessed?

Your tax is calculated as assessed value × mill rate, not market value × mill rate. Ontario uses a public assessment authority (BC Assessment, MPAC in Ontario, etc.) to set assessed values, usually updated every 1-4 years. Assessed value typically lags market value, so the same mill rate produces different effective burdens depending on assessment cycle timing.

Are Oshawa property taxes deductible on my income tax return?

Property tax on your principal residence is NOT deductible federally or provincially. It only becomes deductible when the property generates rental income (line 9180 on T776) or self-employed business income (CCA / business-use-of-home on T2125). For a principal residence, the tax is a non-deductible cost of ownership.

Why does Oshawa's mill rate differ from neighbouring cities?

Each Canadian municipality sets its own residential mill rate to fund local services — police, fire, transit, parks, road maintenance — plus a provincially-set education portion. Cities with higher assessed values can raise the same revenue at a lower mill rate (Vancouver, Toronto), while cities with lower assessed values often need higher rates to fund equivalent services. Compare Oshawa with other Ontario cities in the table above.