Toronto tax relief deadline is Nov. 2: who can apply

Updated Nov. 1, 2026

The deadline to apply for Toronto’s 2026 property tax and utility relief programs is Monday, Nov. 2, and eligible homeowners must reapply every year, the City of Toronto said.

The four programs are the Property Tax Increase Cancellation Program, the Property Tax Increase Deferral Program, the Water Rebate Program and the Solid Waste Rebate Program. The city announced the deadline in an Aug. 4 news release.

Eligibility depends on age, income and disability status, according to the city’s property tax and utility relief page, last updated July 22. Applicants must have owned and lived in the home as their principal residence for at least one year before Oct. 31, 2026. The tax account must have no taxes owing for prior years, and the water or utility account must be paid in full.

Household income is the combined income of all owners living at the property, including any spouse. For the cancellation, deferral and rebate programs, the city lists a limit of $62,000. Age requirements must be met by Dec. 31 of the tax year.

The cancellation program also requires a residential assessment below $975,000. Applicants must either receive disability benefits or be over 65. People aged 60 to 64 qualify if they receive the Guaranteed Income Supplement or, if widowed, the Spouse’s Allowance.

The deferral program has no assessment limit listed. It uses the same income cap and the same age and disability routes. It also covers people over 50 who receive a pension or pension annuity from a plan under the federal Income Tax Act.

The water rebate applies to the water consumption part of a utility bill. The home must have metered water service and use less than 400 cubic metres a year. The solid waste rebate is open to households billed for a small, medium or large garbage bin, or single-family bag-only customers. Extra-large bins are not eligible.

The city’s page does not state dollar amounts for the cancellation, deferral or water rebate. It says only that the amount will be applied to the applicant’s account. It refers readers to its garbage bin fees page for solid waste rebate amounts. It also does not explain how or when a deferred amount is repaid, so applicants should ask the city before relying on a deferral.

You can apply online, where the city said household income can be verified securely through the Canada Revenue Agency. A paper form is also available. Completed forms can be mailed or faxed to City of Toronto, Revenue Services, Property Tax Rebates, 5100 Yonge St., Toronto, Ont., M2N 5V7, fax 416-696-3623. With the deadline one day away, applying online is the practical option.

Applicants must send an unaltered copy of their Canada Revenue Agency notice of assessment or reassessment. Seniors may also need Old Age Security and Guaranteed Income Supplement slips and proof of age if applying for the first time. Disability applicants can show benefits such as ODSP, Canada Pension Plan disability, WSIB, Employment Insurance sickness benefits, motor vehicle accident insurance or a private disability plan. Non-resident co-owners must supply proof of residency, such as a driver’s licence or utility bill.

The city warned that a successful assessment or tax appeal can change the amount of a deferral or cancellation and may require repayment. False statements can disqualify a property for the year, require repayment and carry interest of 1.25 per cent a month.

Applicants can check their status by signing in to the city’s Property Tax Lookup and opening the Summary of Rebates tab. Low-income seniors and people with disabilities in non-profit housing co-operatives may qualify for a separate Co-operative Housing Grant Program without an individual tax account.

Readers weighing other federal help may also want to see how to apply for the disability tax credit and the benefit payment dates for November 2026. This article explains the city’s published rules only. Confirm eligibility and amounts with the City of Toronto at 311 before applying.

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Sources: City of Toronto news release of Aug. 4, 2026, and the City of Toronto property tax and utility relief program page.