St. Catharines Property Tax 2026 — Mill Rate 18.422 (1.8422%)
Ontario · annual residential property tax · municipal levy (separate from CRA income tax)
Quick answer — annual property tax on a $800,000 home
$14,737 /year
≈ $1,228/month escrow · mill rate 18.422 (1.8422%)
The largest city in Niagara Region. St. Catharines residents pay Ontario provincial tax plus federal tax.
Annual property tax by home value in St. Catharines
| Home value | Annual tax | Monthly escrow |
|---|---|---|
| $500,000 | $9,211 | $768 |
| $750,000 | $13,816 | $1,151 |
| $1,000,000 | $18,422 | $1,535 |
| $1,500,000 | $27,633 | $2,303 |
| $2,000,000 | $36,844 | $3,070 |
| $3,000,000 | $55,266 | $4,605 |
St. Catharines property tax due dates (2026)
As published by the municipality. Missing a due date triggers a penalty, so these matter more than the rate does.
Interim bill
- February 27, 2026
- April 30, 2026
Final bill
- June 30, 2026
- September 29, 2026
Due dates source: https://www.stcatharines.ca/property-taxes/tax-payments-and-rates/ · verified 2026-10-17
Compare with other Ontario cities
Annual tax shown for a $1,000,000 home, sorted lowest to highest mill rate.
| City | Mill rate | Tax on $1M home |
|---|---|---|
| Markham | 7.229 (0.7229%) | $7,229 |
| Vaughan | 7.492 (0.7492%) | $7,492 |
| Richmond Hill | 7.601 (0.7601%) | $7,601 |
| Toronto | 7.673 (0.7673%) | $7,673 |
| Oakville | 8.510 (0.8510%) | $8,510 |
| Milton | 8.651 (0.8651%) | $8,651 |
| Burlington | 10.153 (1.0153%) | $10,153 |
| Mississauga | 10.879 (1.0879%) | $10,879 |
| Ottawa | 12.271 (1.2271%) | $12,271 |
| Brampton | 12.534 (1.2534%) | $12,534 |
| Pickering | 13.373 (1.3373%) | $13,373 |
| Whitby | 13.825 (1.3825%) | $13,825 |
| Kitchener | 14.060 (1.4060%) | $14,060 |
| Waterloo | 14.323 (1.4323%) | $14,323 |
| Barrie | 14.675 (1.4675%) | $14,675 |
| Guelph | 14.944 (1.4944%) | $14,944 |
| Cambridge | 15.122 (1.5122%) | $15,122 |
| Hamilton | 15.572 (1.5572%) | $15,572 |
| Oshawa | 15.753 (1.5753%) | $15,753 |
| Kingston | 16.054 (1.6054%) | $16,054 |
| London | 17.271 (1.7271%) | $17,271 |
| Niagara Falls | 17.489 (1.7489%) | $17,489 |
| Sudbury | 19.072 (1.9072%) | $19,072 |
| Windsor | 20.965 (2.0965%) | $20,965 |
Related calculators for St. Catharines
Buying in St. Catharines? Use the Land Transfer Tax calculator for the one-time purchase tax. Comparing salaries? Estimate your take-home pay in St. Catharines with the take-home pay calculator. Or browse all city property tax pages.
Note: This is the urban rate, which applies to most St. Catharines properties. The general rate, for properties outside the urban service area, is 1.833408%.
Frequently asked questions
What is St. Catharines's 2026 property tax rate?
St. Catharines's 2026 residential mill rate is 18.422 mills, i.e. $18.422 of tax per $1,000 of assessed value (1.8422%, or 0.01842187 as a decimal). On a $800,000 home this works out to $14,737 per year, or roughly $1,228 per month if your lender holds the tax in escrow. Source: https://www.stcatharines.ca/property-taxes/tax-payments-and-rates/, last verified 2026-10-17.
When are St. Catharines property taxes due?
St. Catharines's 2026 interim bill was due February 27, 2026 and April 30, 2026. St. Catharines's 2026 final bill was due June 30, 2026 and September 29, 2026. Source: https://www.stcatharines.ca/property-taxes/tax-payments-and-rates/, last verified 2026-10-17. Most lenders collect property tax monthly through PITI escrow rather than waiting for the city's due date.
How is my St. Catharines 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 St. Catharines 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 St. Catharines'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 St. Catharines with other Ontario cities in the table above.
Source: https://www.stcatharines.ca/property-taxes/tax-payments-and-rates/ · Last verified 2026-10-17
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