Published 2 November 2026 · By Jatin Dua, Broker of Record, RE/MAX Quantum Realty
Toronto property tax is billed twice a year. In 2026 the regular due dates were March 2, April 1 and May 1 (interim) and July 2, August 4 and September 1 (final). You can pay by online banking with your 21-digit roll number, by mail, in person, or on a 2, 6 or 11-instalment pre-authorized plan.
This guide is for Toronto homeowners who want to know exactly when property tax is due and the easiest way to pay it without late charges. It covers the 2026 due dates, the three pre-authorized plans, every payment method the City accepts, and what happens if you pay late, as of November 2026.
When is property tax due in Toronto?
Toronto sends two bills a year: an interim bill in February and a final bill in May. If you pay on the regular schedule, each bill is split into three instalments, so you make six payments a year.
| Bill | When it arrives | 2026 regular due dates |
|---|---|---|
| Interim | February | March 2, April 1, May 1 |
| Final | May | July 2, August 4, September 1 |
Source: City of Toronto, Property Tax Due Dates and 2026 interim bill notice.
The interim bill is based on your previous year’s taxes. It does not include that year’s tax increase. The final bill uses the new year’s rates and subtracts what you already paid on the interim bill. That is why your summer instalments are often a little higher than your spring ones.
What are the 2027 Toronto property tax due dates?
As of November 2026, the City has not posted the 2027 due dates. They will be printed on your 2027 interim bill, which normally arrives in early February.
The pattern has been steady: three interim instalments around the start of March, April and May, and three final instalments around the start of July, August and September. In 2026, March 1 fell on a Sunday and August 3 was the Civic Holiday, and the due dates were March 2 and August 4. Use the dates on your bill, not a calendar guess.
Do not wait for a bill that never comes. Toronto says to call 311 if your bill has not arrived within about a week of the mailing. Mississauga states plainly that not receiving a bill does not excuse you from taxes or late charges, and it is safest to assume the same everywhere.
What are Toronto’s pre-authorized tax payment plans?
The Pre-Authorized Tax Payment (PTP) program takes your tax straight from your bank account on set dates. You choose one of three plans:
| Plan | Interim withdrawals (2026) | Final withdrawals (2026) |
|---|---|---|
| 2 instalments | March 2 | July 2 |
| 6 instalments | March 2, April 1, May 1 | July 2, August 4, September 1 |
| 11 instalments | Feb 17, Mar 16, Apr 15, May 15, Jun 15 | Jul 15, Aug 17, Sep 15, Oct 15, Nov 16, Dec 15 |
Source: City of Toronto, Pre-Authorized Tax Payment (PTP) Program and 2026 due dates.
The 11-instalment plan is the closest thing to a monthly payment. On the average Toronto home (about $5,311 of tax in 2026), that is roughly $483 a month over 11 months. That is my division, not a City figure, and the real amounts depend on your interim and final bills.
Key PTP rules from the City:
- You can enrol at any time, online through the Property Tax Lookup or with a paper form and a void cheque. Your taxes must be in good standing.
- Keep paying the normal way until the City confirms you are enrolled.
- To change your bank or plan, or to cancel, send the form at least 15 days before your next withdrawal.
- Credit cards, lines of credit and credit card cheques are not accepted for PTP.
- Supplementary and omitted tax bills, the Vacant Home Tax, and some other charges cannot be paid through PTP. If you leave them unpaid, you can be moved back to the regular six-instalment plan.
- A payment that does not clear gets you removed from the plan, plus a fee and late charges.
How do I pay my Toronto property tax online?
Online banking is the most common way. Add the City as a payee in your bank’s app and use your 21-digit assessment roll number from your tax bill as the account number. Each bank names the payee a little differently:
- BMO: Toronto, City of, Property Taxes
- CIBC: Toronto (City of) Property Tax
- National Bank: City of Toronto Taxes
- RBC: City of Toronto Property Taxes
- Scotiabank: Toronto (City) Property Tax
- TD Canada Trust: Toronto (City of) Property Taxes
Pick the property tax payee, not the utility (water) payee. If you send money to the wrong account, the City charges a payment re-distribution fee of $57.88 (2026) to move it.
Processing times vary by bank, so pay a few business days early. The payment counts when the City receives it, not when you click send.
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What other ways can I pay Toronto property tax?
- At your bank. You can pay in person at a bank branch, by ATM or by telephone banking.
- By mail. Make cheques payable to “Treasurer, City of Toronto” and mail them to PO Box 5000, Willowdale STN A, Toronto, ON M2N 5V1. Post-dated cheques are accepted. Do not mail cash, and allow several days for delivery.
- In person at a City counter. The Inquiry and Payment Counters take cash, cheque, money order and debit. Drop boxes take cheques and money orders. The Metro Hall counters remain closed.
- Through your mortgage lender. If your lender collects tax with your mortgage payment, forward any bill you receive to them right away.
The City’s payment page does not list a direct credit card option. If a third-party service offers one, check its fee and timing carefully, because a late arrival still triggers the City’s late charge.
You can also sign up for eBilling, which emails you when a bill is ready and lets you download bills online.
Whichever method you use, keep your confirmation number or a copy of the cancelled cheque. If a payment goes missing, that record is what the City will ask for when you call 311 to trace it.
What happens if I pay Toronto property tax late?
Late charges start right away and grow every month:
- A charge of 1.25% of the overdue amount is added on the first day of default.
- Another 1.25% is added on the first day of each month after that, as long as any amount is unpaid.
- The City says these charges cannot be waived or changed.
- Payments go to the oldest balance first.
Example: miss a $1,500 instalment and the first charge is $18.75. If it is still unpaid at the start of the next month, another $18.75 is added, for $37.50 so far. Small, but it adds up and it never goes away on request.
If a residential balance stays unpaid, the steps get serious:
- In April you get a Final Notice for the previous year’s balance, with 21 days to pay. It carries a $31.06 fee.
- In early May, residential balances of $100 or more from the previous year can go to a bailiff.
- After taxes have been in arrears for at least two years, the City can register a tax arrears certificate on title. The owner then has one year to pay before the property can be sold by public tender.
When you sell or buy, the 11-instalment plan can catch people off guard. An ownership change removes the property from PTP, and the new owner must re-enrol. Buyers should confirm with their lawyer how the year’s taxes were adjusted on closing, and keep paying until their own enrolment is confirmed.
How are due dates different in other GTA cities?
Every municipality sets its own dates by bylaw, so a move across city lines can change your schedule. A few 2026 examples:
| City | 2026 residential final due dates | Pre-authorized options |
|---|---|---|
| Toronto | July 2, August 4, September 1 | 2, 6 or 11 instalments |
| Brampton | July 22, August 19, September 23 | Set on bill |
| Mississauga | Three instalments shown on the bill | Dates on bill |
Source: City of Toronto due dates; City of Brampton By-law 73-2026; City of Mississauga interim and final tax bills page.
Mississauga also charges 1.25% when an instalment is late, then 1.25% a month after that, the same structure Toronto uses.
For most of my clients, the 11-instalment plan is the easiest way to avoid a late charge and smooth cash flow. The trade-off is that it starts in mid-February, so the first draw comes sooner than people expect. If you are self-employed with uneven income, the six-instalment plan lines up with the regular dates and gives you more control. Whatever you pick, set a calendar reminder for the April Vacant Home Tax declaration too, because it is a separate deadline.
What to do next
- Find your 21-digit assessment roll number on your latest bill and set up the correct bank payee.
- Choose a PTP plan (2, 6 or 11 instalments) and enrol online at least a few weeks before the first draw.
- Make your 2026 Vacant Home Tax declaration by 30 April 2027. My Vacant Home Tax guide explains who must declare.
- If you are a senior or have a disability on a low income, check the City’s deferral and cancellation programs in my GTA seniors tax relief guide.
- If you are buying or selling, read how taxes are split at closing in my property tax clauses guide, and why your bill is based on 2016 values in my assessment explainer.
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
When are Toronto property taxes due in 2026?
On the regular schedule, Toronto 2026 property tax was due March 2, April 1 and May 1 for the interim bill, and July 2, August 4 and September 1 for the final bill. Owners on the 11-instalment pre-authorized plan pay from February 17 to December 15. Always use the dates printed on your bill.
How do I pay Toronto property tax online?
Pay Toronto property tax through your bank’s online banking. Add the City of Toronto property tax payee (the exact name varies by bank) and enter your 21-digit assessment roll number from your tax bill as the account number. Pay a few business days before the due date, because the City counts the date it receives the money.
What is the late payment penalty for Toronto property tax?
Toronto adds a 1.25% late payment charge on the first day an instalment is overdue, then another 1.25% on the first day of every month until it is paid. The City says these charges cannot be waived. Payments are applied to the oldest balance first, so late charges can follow you into the next year.
Can I pay Toronto property tax monthly?
Yes, Toronto’s 11-instalment pre-authorized tax payment plan is the closest to monthly. In 2026 it withdrew payments on set dates from February 17 to December 15. You enrol online through the Property Tax Lookup or with a paper form and void cheque, and your account must be in good standing.
Can I pay Toronto property tax with a credit card?
The City of Toronto’s payment page does not list a direct credit card option, and the pre-authorized plan does not accept credit cards or lines of credit as of November 2026. Accepted methods include online banking, bank branches, mail-in cheques, City counters (cash, cheque, money order, debit) and pre-authorized withdrawals.
When do Toronto property tax bills come out?
Toronto mails the interim property tax bill in early February and the final bill in May. The 2026 interim bills were announced on February 3, 2026. The interim bill is based on the previous year’s taxes, and the final bill applies the new year’s rates minus what you already paid.
What happens if I don’t pay property tax in Toronto?
Unpaid Toronto property tax gathers 1.25% monthly late charges, then a Final Notice in April with 21 days to pay. Residential balances of $100 or more can go to a bailiff in early May. After at least two years of arrears, the City can register a tax arrears certificate and later sell the property.
How do I change or cancel my Toronto pre-authorized tax payments?
Send the City of Toronto’s change or cancellation form at least 15 days before your next pre-authorized withdrawal, with a void cheque if your bank details change. If you cancel, pay any balance right away to avoid late charges. A reinstatement fee applies if you rejoin within one year.
Does my mortgage company pay my Toronto property tax?
Only if your mortgage includes a property tax account. If your lender pays Toronto property tax for you, forward any tax bill you receive to them promptly, because the City still mails bills to owners. Check your mortgage statement to confirm tax is being collected each month.
Sources
- City of Toronto: Property tax due dates
- City of Toronto: Pay your property tax bill
- City of Toronto: Pre-Authorized Tax Payment (PTP) program
- City of Toronto: Late tax bill payments
- City of Toronto: City issues 2026 interim property tax bills
- City of Toronto: Property tax rates and fees (2026 fees)
- City of Brampton: By-law 73-2026, 2026 tax levy
- City of Mississauga: Interim and final tax bills
Related reading
- Average Property Tax in Toronto for 2027: Per Year, Per Month, by Home Value
- 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.