Take-Home Pay by City in Canada
Browse city salary-after-tax pages for major Canadian cities. Canada does not charge a separate municipal income tax, but many people search by city, so these pages translate the same CRA and provincial rules into city-framed take-home pay answers.
Need an exact answer instead of a quick guide? Use the Take-Home Pay Calculator for a custom salary, province, RRSP deductions, and other adjustments.
Ontario
City guides using Ontario provincial tax plus federal CRA rates.
Toronto
Canada's largest city and economic centre. Residents pay Ontario provincial tax plus federal tax — there is no separate Toronto income tax.
Ottawa
Canada's federal capital. Ottawa residents pay Ontario provincial tax plus federal tax — identical to Toronto on the tax side.
Mississauga
A major GTA employment hub west of Toronto. Mississauga residents pay Ontario and federal tax only — there is no separate municipal income tax.
Brampton
One of Canada's fastest-growing cities. Brampton workers pay Ontario provincial tax plus federal tax, with no city income-tax layer.
Hamilton
A major Ontario port and healthcare city. Hamilton residents face the same Ontario and federal income-tax system as the rest of the province.
Kitchener
Part of the Waterloo tech corridor. Kitchener salaries are taxed under Ontario provincial rates plus federal tax, with no municipal income tax.
London
A large Southwestern Ontario university and healthcare centre. London residents pay Ontario and federal tax only.
Markham
A major GTA tech and finance hub north of Toronto. Markham residents pay Ontario provincial tax plus federal tax — no separate municipal income tax.
Vaughan
A fast-growing GTA city on Toronto's northern edge. Vaughan workers pay Ontario and federal income tax under the same rules as Toronto.
Oakville
A high-income lakeside community west of Toronto. Oakville residents file Ontario provincial tax plus federal tax, with no city income-tax layer.
Burlington
A Halton Region city between Toronto and Hamilton. Burlington salaries are taxed under Ontario provincial brackets plus federal tax.
Oshawa
Durham Region's largest city east of Toronto. Oshawa residents pay Ontario provincial tax plus federal tax — no municipal income tax.
Whitby
A Durham Region commuter city. Whitby workers pay Ontario provincial tax plus federal tax under the same rules as the rest of the GTA.
Richmond Hill
A high-density York Region city. Richmond Hill residents pay Ontario provincial tax plus federal tax, with no municipal income-tax surcharge.
Barrie
A growing city north of the GTA on Lake Simcoe. Barrie residents pay Ontario and federal income tax — no separate municipal layer.
Guelph
A Southwestern Ontario university and manufacturing city. Guelph workers pay Ontario provincial tax plus federal tax.
Sudbury
Northern Ontario's mining and healthcare centre. Greater Sudbury residents pay Ontario provincial tax plus federal tax.
Kingston
An Eastern Ontario university city on Lake Ontario. Kingston residents pay Ontario provincial tax plus federal tax.
Windsor
Canada's southernmost city, on the US border opposite Detroit. Windsor residents pay Ontario provincial and federal tax — no city income tax.
British Columbia
City guides using British Columbia provincial tax plus federal CRA rates.
Vancouver
BC's Lower Mainland hub. Vancouver residents pay British Columbia provincial tax plus federal tax — no municipal income tax.
Surrey
One of BC's largest cities and a major part of Metro Vancouver. Surrey residents pay BC provincial tax plus federal tax, with no city income tax.
Victoria
British Columbia's capital on Vancouver Island. Victoria residents pay BC and federal income tax under the same rules as Vancouver.
Burnaby
A major Metro Vancouver city. Burnaby residents pay BC provincial tax plus federal tax — same rules as Vancouver.
Richmond
A Metro Vancouver city home to YVR airport. Richmond workers pay BC provincial tax plus federal tax, with no city income-tax layer.
Coquitlam
A Tri-Cities Metro Vancouver city. Coquitlam residents pay BC provincial tax plus federal tax.
Kelowna
A major Okanagan Valley city. Kelowna residents pay BC provincial tax plus federal tax.
Abbotsford
A Fraser Valley city east of Metro Vancouver. Abbotsford workers pay BC provincial tax plus federal tax.
Alberta
City guides using Alberta provincial tax plus federal CRA rates.
Calgary
Alberta's largest city. Alberta has the lowest provincial income tax rates in Canada — a flat 10% on the first ~$151k, then 12–15%.
Edmonton
Alberta's capital. Like Calgary, Edmonton residents benefit from Alberta's low flat-rate provincial tax plus federal tax.
Red Deer
A central Alberta city between Calgary and Edmonton. Red Deer workers benefit from Alberta's low flat-rate provincial tax plus federal tax.
Lethbridge
Southern Alberta's largest city. Lethbridge residents pay Alberta provincial tax plus federal tax.
Airdrie
A fast-growing satellite city north of Calgary. Airdrie residents pay Alberta provincial tax plus federal tax.
Quebec
City guides using Quebec provincial tax plus federal CRA rates.
Montreal
Quebec's largest city. Quebec runs its own provincial tax system — a separate Quebec return (TP-1) is filed alongside the federal return.
Quebec City
Quebec's capital. Residents file both a federal return and a Quebec TP-1 return, but there is no separate city income tax.
Laval
A large city north of Montreal. Laval workers pay Quebec provincial income tax plus federal tax, with separate Quebec filing rules.
Gatineau
Across the river from Ottawa, Gatineau follows Quebec tax rules rather than Ontario's, including Quebec provincial filing on TP-1.
Longueuil
A South Shore Montreal city. Longueuil workers pay Quebec provincial income tax plus federal tax, with separate Quebec TP-1 filing.
Sherbrooke
A major Eastern Townships city. Sherbrooke residents file Quebec provincial tax plus federal tax under Quebec's separate filing system.
Manitoba
City guides using Manitoba provincial tax plus federal CRA rates.
Saskatchewan
City guides using Saskatchewan provincial tax plus federal CRA rates.
Saskatoon
Saskatchewan's largest city. Saskatoon residents pay Saskatchewan provincial tax plus federal tax, with no municipal income-tax surcharge.
Nova Scotia
City guides using Nova Scotia provincial tax plus federal CRA rates.
New Brunswick
City guides using New Brunswick provincial tax plus federal CRA rates.
Moncton
A major New Brunswick employment centre. Moncton workers pay New Brunswick provincial tax and federal tax, with no municipal income tax.
Newfoundland and Labrador
City guides using Newfoundland and Labrador provincial tax plus federal CRA rates.
Prince Edward Island
City guides using Prince Edward Island provincial tax plus federal CRA rates.