Niagara-on-the-Lake property tax rate 2025
Town in Niagara · population 19,088 · 8,431 households
In 2025, Niagara-on-the-Lake collected $55,093,552 in residential property taxes on $4,504,737,714 of taxable residential assessment. That works out to an effective rate of 1.223%, 0.134 points below the Ontario median of 1.357% for 2024. Among the 391 lower- and single-tier municipalities that filed for 2024, Niagara-on-the-Lake ranks 97th lowest and 1st of 12 within Niagara. The 2025 figure is from a return filed ahead of most municipalities, so the provincial ranking still uses 2024.
Where the tax goes
| Municipal (Niagara-on-the-Lake) | 0.299% | 24% of the bill |
|---|---|---|
| Niagara | 0.771% | 63% |
| Education (Province of Ontario) | 0.153% | 13% |
| Total residential rate | 1.223% | 100% |
Municipal Regional / county Education
Estimate your Niagara-on-the-Lake property tax
| Assessed value | Municipal | Region / county | Education | Total |
|---|---|---|---|---|
| $500,000 | $1,494 | $3,856 | $765 | $6,115 |
| $750,000 | $2,241 | $5,784 | $1,148 | $9,173 |
| $1,000,000 | $2,988 | $7,712 | $1,530 | $12,230 |
Assessed value is the MPAC value on your assessment notice, not market value. Ontario has kept assessments at January 1, 2016 values since 2017, so a home bought recently is usually assessed well below its purchase price. Estimates exclude local improvement charges, business improvement area levies and any rebates.
Rate trend 2016–2025
Niagara-on-the-Lake's residential rate rose from 0.996% in 2016 to 1.223% in 2025. Total residential taxes collected grew 71% over the same period, which reflects both rate changes and growth in the assessment base.
Year-by-year table
| Year | Residential rate | Municipal | Region / county | Education | Residential taxes levied |
|---|---|---|---|---|---|
| 2016 | 0.996% | 0.227% | 0.582% | 0.188% | $32,287,171 |
| 2017 | 0.869% | 0.200% | 0.511% | 0.158% | $33,799,259 |
| 2018 | 0.887% | 0.206% | 0.524% | 0.157% | $35,684,301 |
| 2019 | 0.913% | 0.213% | 0.545% | 0.155% | $37,560,384 |
| 2020 | 0.959% | 0.229% | 0.578% | 0.153% | $40,431,465 |
| 2021 | 0.974% | 0.233% | 0.588% | 0.153% | $41,681,913 |
| 2022 | 1.000% | 0.244% | 0.604% | 0.153% | $43,435,694 |
| 2023 | 1.082% | 0.263% | 0.666% | 0.153% | $47,631,938 |
| 2024 | 1.143% | 0.279% | 0.712% | 0.153% | $50,799,384 |
| 2025 | 1.223% | 0.299% | 0.771% | 0.153% | $55,093,552 |
Instalments and due dates (2025)
Niagara-on-the-Lake reported 4 residential instalments in 2025, with due dates including February 28, 2025, May 21, 2025, July 31, 2025, September 26, 2025. Dates shift each year; check the municipal website for the current schedule.
All property classes, 2025
| Property class | Effective rate | Taxable assessment | Taxes levied |
|---|---|---|---|
| Residential | 1.223% | $4,504,737,714 | $55,093,552 |
| Multi-residential | 2.103% | $19,188,100 | $403,533 |
| Farmland | 0.302% | $580,767,823 | $1,752,103 |
| Managed forests | 0.302% | $1,402,100 | $4,238 |
| Commercial | 2.689% | $566,519,190 | $15,232,402 |
| Office building | 2.746% | $6,319,100 | $173,491 |
| Shopping centre | 2.709% | $236,220,620 | $6,398,254 |
| Parking lot | 2.745% | $1,020,000 | $28,004 |
| Industrial | 3.678% | $58,518,600 | $2,152,575 |
| Pipelines | 2.693% | $19,202,000 | $517,175 |
| Other classes | 2.804% | $3,432,200 | $96,247 |
Commercial and industrial rates include the provincial business education tax. Rates for small classes can swing year to year because a few properties dominate them.
Compare within Niagara (2024)
| Municipality | Residential rate | Tax on $750,000 | Ontario rank |
|---|---|---|---|
| Niagara-on-the-Lake | 1.143% | $8,575 | 97 |
| Fort Erie | 1.702% | $12,761 | 307 |
| Grimsby | 1.286% | $9,647 | 152 |
| Lincoln | 1.441% | $10,809 | 232 |
| Niagara Falls | 1.513% | $11,349 | 261 |
| Pelham | 1.509% | $11,321 | 260 |
| Port Colborne | 2.038% | $15,284 | 360 |
| St Catharines | 1.492% | $11,193 | 254 |
| Thorold | 1.640% | $12,300 | 289 |
| Wainfleet | 1.733% | $13,001 | 315 |
| Welland | 1.802% | $13,515 | 326 |
| West Lincoln | 1.336% | $10,021 | 179 |
About these numbers
- What is an effective tax rate?
- Total property taxes billed to a class divided by that class's taxable assessment. It is the average rate actually paid, so it can differ slightly from the rate printed in the municipal by-law when a municipality applies different rates to subclasses, phase-ins or special area levies.
- Why is my bill different?
- Your bill depends on your own assessed value, any special area charges, capping or phase-in adjustments and local improvement charges. Use the rate here to compare municipalities, and your assessment notice to estimate your own bill.
- Where does the data come from?
- Every Ontario municipality files an audited Financial Information Return with the Ministry of Municipal Affairs and Housing. These pages use Schedule 26A, "Taxation and Payments-in-Lieu Summary", for 2016 through 2025. Niagara-on-the-Lake's latest return was updated 2026-09-11. See the methodology.