Published 2 November 2026 · By Jatin Dua, Broker of Record, RE/MAX Quantum Realty
Oshawa’s 2026 final residential property tax rate is 1.575342% of your MPAC assessment. The City’s average assessed home, at $356,000, pays about $5,608 a year. Taxes are due in four instalments, in the last weeks of February, April, June and September, and 2027 rates arrive with the final bill in May.
This guide is for Oshawa homeowners and anyone thinking of buying there in 2027. You will get the 2026 tax rate, what the average home and other assessments pay, the four instalment windows, how to pay without picking up penalties, and the relief programs the City offers. The numbers come from the City of Oshawa, Durham Region and TRREB sales data.
What is the Oshawa property tax rate for 2026?
Oshawa’s 2026 final residential tax rate is 1.575342% of your MPAC assessment, or $1,575.34 for every $100,000 of assessed value. It has three parts:
| 2026 residential rate | Rate | Share of each tax dollar |
|---|---|---|
| City of Oshawa | 0.659196% | About 40 cents |
| Durham Region | 0.763146% | About 46 cents |
| Education (set by the Province) | 0.153000% | About 14 cents |
| Total | 1.575342% | $1.00 |
Source: City of Oshawa, 2026 Final Tax Rates and 2026 Budget Overview. Shares are the City’s rounded figures.
The City’s share pays for local roads, snow removal, waste collection, fire services, parks and recreation. The Region’s share pays for police, transit, ambulance, social housing and regional roads.
How much property tax will I pay on an Oshawa home?
Multiply your assessment by 1.575342%. Here is what common assessments pay at the 2026 rate:
| MPAC assessment | 2026 tax per year | Per month |
|---|---|---|
| $300,000 | $4,726 | $394 |
| $356,000 (City average) | $5,608 | $467 |
| $400,000 | $6,301 | $525 |
| $500,000 | $7,877 | $656 |
| $600,000 | $9,452 | $788 |
| $700,000 | $11,027 | $919 |
Source: my calculations at the City of Oshawa 2026 final residential rate. Rounded to the dollar.
What is the average property tax in Oshawa?
The City says Oshawa’s average assessed home is worth $356,000 for tax purposes. At the 2026 rate, that home pays about $5,608 a year, or $467 a month. That assessment is far below what homes sell for today, because MPAC assessments are still based on January 1, 2016 values. My guide to Ontario’s 2016 assessments explains why, and what a future update could change.
How much did Oshawa property taxes go up in 2026?
Two increases stack on your bill:
- City of Oshawa: the budget presented to Council called for a 4.68% levy increase, or about $107 a year on the average $356,000 assessment. Local reporting by insauga in December 2025 said Council’s amendments cut that to 3.98%, about $91 on the City’s share for the same home.
- Durham Region: Regional Council approved its 2026 budget on January 28, 2026 with a 4.8% property tax increase. The Region said that is about $14 a month for an average homeowner, roughly $10 of it for police.
The education rate stayed at 0.153%. Because the Region’s share of your bill is larger than the City’s, the regional increase moves your total bill more than the City’s does. Your final bill includes an explanation of how each part changed.
When are Oshawa property taxes due in 2027?
Oshawa sends two bills a year, each with two instalments. Council sets the exact dates by by-law every year, and the City describes the pattern this way:
| Bill | Mailed | Instalments due | How it is calculated |
|---|---|---|---|
| Interim | January | Last week of February and last week of April | 50% of the previous year’s total taxes |
| Final | May | Last week of June and last week of September (residential) | Full-year taxes at the new rates, less the interim amount |
Source: City of Oshawa, Tax Collections and Billing.
The exact 2027 dates will be printed on your payment stubs. Any arrears are added to the first instalment. If a bill totals $25 or less, the whole amount is due on the first instalment date. You can sign up for e-billing so both bills arrive by email.
How do I pay Oshawa property tax online?
In your banking app, add a payee called Oshawa Taxes or something similar. For the account number, use the roll number from your tax bill, but leave off the first four digits, which are 1813 for every Oshawa property. Adding the property address as a nickname helps if you own more than one home or are mid-sale.
Allow time. The City says online banking payments take three to five business days to arrive, and a payment counts only when the City receives it. Its own example: pay on a July 28 due date, the money arrives August 2, and a late charge is added on August 1.
Other options the City accepts:
- Telephone banking, or payment at your bank.
- Cash, debit or cheque in person at Service Oshawa in City Hall.
- Post-dated cheques, which the City holds until the date on the cheque.
- Your mortgage company, if it pays your taxes for you.
Can I pay Oshawa property tax monthly?
Yes. The Pre-authorized Tax Payment Plan withdraws either on the instalment due dates or monthly, on the 1st or 15th of each month. To be on it for the interim bill, the City needs your written request before January 31; for the final bill, before June 1. Changes or cancellations need ten business days’ written notice before the next withdrawal.
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What happens if I pay Oshawa property tax late?
Oshawa charges a 1.25% penalty on overdue taxes on the first business day of each month they stay unpaid. Taxes from earlier years are charged interest instead. The City says penalty and interest cannot be waived unless the City made an error. Payments go first to the oldest charges, then to the oldest taxes.
Do not use the City Hall drop box on a due date. The City says payments left there are delivered to Taxation Services the next business day after 1:30 p.m., so a payment dropped on the due date is treated as late. On a due date, go inside and pay at the Service Oshawa counter, or pay online several business days early.
A cheque or pre-authorized payment that bounces twice can cost you those payment options for at least two years.
Can low-income seniors get help with Oshawa property tax?
Yes. Oshawa offers a property tax grant for low-income seniors and people with disabilities who own their home:
- Seniors: you, or the spouse who owns the home, receive the Guaranteed Income Supplement, and you turn 65 before December 31 of that year.
- People with disabilities: you own the home and receive Ontario Disability Support Program benefits.
- You must have lived in the home for at least one year before December 31.
- Apply between January 1 and April 30. The grant is credited to your tax account, not paid by cheque, and only one grant is allowed per household.
Owners facing sickness or extreme poverty can also apply under section 357 of the Municipal Act for relief of the previous year’s taxes, by February 28. For other GTA programs, see my seniors property tax relief guide.
Is Oshawa property tax higher than Whitby?
Yes, the rate is higher. Here is the 2026 comparison with Oshawa’s western neighbour:
| 2026 residential rate | Oshawa | Whitby |
|---|---|---|
| Local municipality | 0.659196% | 0.468163% |
| Durham Region | 0.763146% | 0.761328% |
| Education | 0.153000% | 0.153000% |
| Total | 1.575342% | 1.382491% |
| Tax on a $400,000 assessment | About $6,301 | About $5,530 |
Source: City of Oshawa 2026 final tax rates; Town of Whitby 2026 tax rates. Dollar amounts are my calculations.
The regional and education rates are almost the same, so the gap is the local share. But homes in Oshawa cost less to buy, and assessments tend to be lower too. Here is what Oshawa homes sold for this year:
| Oshawa home type | Median sold price, Jan to Oct 2026 | Change vs same period 2025 |
|---|---|---|
| Detached | $730,000 | -8.8% |
| Semi-detached | $610,000 | -7.6% |
| Freehold townhouse | $657,500 | -10.5% |
| Condo townhouse | $518,500 | -9.0% |
| Condo apartment | $340,500 | -14.3% |
Source: TRREB MLS data via REALM, January to October 2026 vs the same period of 2025. City-wide medians.
I compare the two cities on price, commute and taxes in my Whitby vs Oshawa guide.
Oshawa’s higher rate is real, but it should not scare buyers off on its own. What matters is the actual bill on the home you want, set against the lower purchase price. I always ask for the seller’s last final tax bill and work the monthly cost into the mortgage numbers. For owners, the monthly pre-authorized plan removes the biggest risk in Oshawa, which is a payment arriving a day or two late.
What should new Oshawa owners know about their first tax bill?
When you buy, your lawyer registers the transfer and should notify Taxation Services. The City says ownership changes can take four to six weeks to show on the tax account. If you have not received a bill, call Service Oshawa to confirm ownership and the amount owing, so an instalment does not slip past its due date.
If your mortgage company pays your taxes, the City says the bill you receive is your official receipt. If you switch lenders, contact the new one about tax payments. If you renegotiate and the lender stops paying, you must pay each instalment yourself by its due date.
In the year you buy, use the statement of adjustments from your lawyer as your record of taxes paid; the City does not split the year between buyer and seller. My guide to property tax clauses in Ontario deals explains that adjustment.
If you buy a new or recently renovated home, expect a separate supplementary bill once MPAC adds the new value. The City explains that added assessment is taxed for the current year, while property that was missed from the roll entirely can be taxed for the current year plus up to two earlier years. Set money aside until that bill arrives.
What to do next
- Find the assessment on your last bill, multiply it by 1.575342%, and divide by 12 for a monthly figure.
- Mark the last weeks of February, April, June and September 2027, then confirm exact dates on your interim bill in January.
- Check your online banking payee: roll number without the 1813 prefix.
- If you receive the Guaranteed Income Supplement or ODSP, apply for the grant between January 1 and April 30, 2027.
- See what your home would sell for today in my Whitby and Oshawa home value guide.
Need help with this? Talk to me.
I’m Jatin Dua, Broker of Record at RE/MAX Quantum Realty, and I’m the best agent to do this kind of work for you in Toronto and across the GTA. Over $100 million in GTA sales and 100+ families helped sell. Feel free to contact me any time: call or text 833-330-1925 or email [email protected].
Frequently asked questions
What is the property tax rate in Oshawa, Ontario?
Oshawa’s 2026 final residential property tax rate is 1.575342% of your MPAC assessment, or $1,575.34 per $100,000. That is 0.659196% for the City of Oshawa, 0.763146% for Durham Region and 0.153% for education. The 2027 rate will be set during 2027 and shows up on the final bill mailed in May.
What is the average property tax bill in Oshawa?
The City of Oshawa says its average assessed home is valued at $356,000 for tax purposes. At the 2026 residential rate of 1.575342%, that home pays about $5,608 a year, or about $467 a month. Assessments still use January 1, 2016 values, so they are usually well below today’s sale prices.
When are Oshawa property taxes due?
Oshawa property tax is due in four instalments. Interim bills go out in January with instalments in the last week of February and the last week of April. Final bills go out in May with residential instalments in the last week of June and the last week of September. Exact 2027 dates are printed on your bills.
How do I pay Oshawa property taxes online?
Add Oshawa Taxes, or a similar Oshawa property tax payee, in your banking app. Use your roll number as the account number, but drop the first four digits, 1813, which every Oshawa roll number starts with. The City says online payments take three to five business days to arrive, so pay well before the due date.
What is the penalty for late property tax in Oshawa?
Oshawa charges a 1.25% penalty on overdue current-year taxes on the first business day of each month they stay unpaid, and interest on taxes from earlier years. That adds up to about 15% a year. The City says penalty and interest cannot be waived unless the City made an error.
Did Oshawa property taxes increase in 2026?
Oshawa’s 2026 budget was presented with a 4.68% increase on the City’s share of the bill; local reporting said Council’s amendments cut it to 3.98%, about $91 on an average $356,000 assessment. Durham Region, which takes about 46 cents of each tax dollar, approved a 4.8% increase for 2026.
Can I pay Oshawa property tax monthly?
Yes. Oshawa’s Pre-authorized Tax Payment Plan can withdraw monthly on the 1st or 15th, or on each instalment due date. Send a written request before January 31 to start with the interim bill, or before June 1 for the final bill. Changes need ten business days’ notice before the next withdrawal.
Does Oshawa have a property tax rebate for seniors?
Yes. Oshawa offers a property tax grant to homeowners who are 65 or older by December 31 and receive the Guaranteed Income Supplement, and to owners who receive ODSP. You must have lived in the home for at least a year. Apply between January 1 and April 30; the grant is credited to your tax account.
Are property taxes higher in Oshawa or Whitby?
Yes. Oshawa’s 2026 residential rate is 1.575342%, compared with 1.382491% in Whitby. The Durham Region and education portions are nearly identical, so the difference is the local share. On a $400,000 assessment, that is about $6,301 a year in Oshawa and $5,530 in Whitby. Oshawa homes do sell for less.
Sources
- City of Oshawa: Property Tax Rates (2026 Final)
- City of Oshawa: Paying Property Taxes
- City of Oshawa: Tax Collections and Billing
- City of Oshawa: Tax Rebates and Reductions
- City of Oshawa: 2026 Budget Overview
- insauga: Council divide on display as Oshawa reduces projected tax increase to 3.98 per cent (Dec 2025)
- Region of Durham: Regional Council approves the 2026 Business Plans and Budget
- Town of Whitby: 2026 Property Tax Rates
Related reading
- Average Property Tax in Toronto for 2027: Per Year, Per Month, by Home Value
- Toronto Property Tax Due Dates and Payment Options Explained
- GTA Property Tax Rates Compared: Toronto, Mississauga, Brampton, Vaughan and More
- Property Tax on Vacant Land in Ontario: How It Works
About the author — Jatin Dua, Toronto and GTA real estate broker
I am Jatin Dua, Broker of Record and co-founder of RE/MAX Quantum Realty Inc., Brokerage, Unit 101, 799 The Queensway, Toronto. I work with buyers and sellers across Toronto and the GTA and have helped more than 100 families sell. Four-plus years of active GTA transactions and over $100 million in sales volume.
Reach me at [email protected] or 833-330-1925, or book a call.