Whitby Property Tax 2026 — Mill Rate 13.825 (1.3825%)

What is Whitby's 2026 property tax rate?

Whitby's 2026 residential mill rate is 13.825 mills, i.e. $13.825 of tax per $1,000 of assessed value (1.3825%, or 0.01382491 as a decimal). On a $970,000 home this works out to $13,410 per year, or roughly $1,118 per month if your lender holds the tax in escrow. Source: https://www.whitby.ca/media/ywujfuc2/property-tax-rates-2026-v2.pdf, last verified 2026-09-27.

When are Whitby property taxes due?

Whitby's 2026 interim bill was due February 27, 2026 and April 30, 2026. Whitby's 2026 final bill was due June 30, 2026 and September 29, 2026. Payments not received by the due date carry a 1.25% penalty on the first day of default and on the first day of each calendar month after. Source: https://www.whitby.ca/services-and-payments/property-taxes/, last verified 2026-08-29. Most lenders collect property tax monthly through PITI escrow rather than waiting for the city's due date.

How is my Whitby 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 Whitby 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 Whitby'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 Whitby with other Ontario cities in the table above.