Tax rates and relief programs

Due to COVID-19:

- late payment and other fees are not being charged for tax bills due in April, May and June
- apply for the Property Tax Deferral Program
- the Municipal Property Assessment Corporation (MPAC) has postponed the 2020 Assessment Update

Full details on City of Waterloo financial relief are available in the FAQs below

Frequently asked questions about COVID-19 financial relief

How do I access the interest free period?

The interest-free period is automatically applied, no forms or application is needed. The city will not be charging interest on property tax, water or on other amounts due to the city in the months of April, May and June 2020.

I am on a pre-authorized payment plan (PAP) how do I cancel my payments?

For property tax or water payment plans, please email or or call 519-747-8718 to request cancellation of the PAP schedule at least three business days before the scheduled withdrawal date.

I pay my taxes through a mortgage company, how do I access this relief?

Customers who pay their taxes through their mortgage should contact their mortgage company or financial institution to understand how this grace period will affect their mortgage amount and/or mortgage payment schedule.

I have paid by a cheque that does not clear, how will this impact my account?

If your cheque is returned as NSF (non-sufficient funds), the City will reverse payment on your account and not charge a NSF fee or penalties during April, May and June 2020.

Are landlords required to pass on savings to their tenants?

The city is providing this relief from all payments due to the city in April, May and June. We are encouraging landlords to pass on that relief to their tenants.

I have received a collection letter this year what will happen?

The city will suspend all collection efforts on accounts in arrears until August 31, 2020.

Will I still receive bills?

Water Utility and Other miscellaneous billing will continue to be mailed out.

The water utility bills will indicate due dates and late payment consequences however, the Comment Box will state no interest or penalty for late payment of amounts due in April, May and June. You may choose to defer payment until June 30 without penalty or interest.

When are my bills due then?

Bills remain due on the date indicated on your bill/invoice. You may choose to defer payment until June 30 without penalty or interest.

What will occur on July 1 once the relief period has expired?

In addition, City Council approved additional relief and support for residents and businesses in the form of an application-based property tax deferral program. The new program, which will launch in June, will allow residents and businesses to apply to extend final property tax bill due dates by 60 days. Payment of May 1 instalments can be extended to September 1 without penalty or interest if approved.

Apply for the Property Tax Deferral Program

Find current tax rates, look-up taxes on residential properties in Waterloo, and apply for tax appeal, deferral and rebate programs.

Property taxes are calculated by multiplying the value of your property (assessed independently by the Municipal Property Assessment Corporation) by the tax rate. The rate changes each year based on the value of all properties and how much funding local governments need to provide services.

Watch: how property values affect your taxes (3:02), explaining assessment growth (2:09)

In 2020 the residential tax rate is 1.078456 percent. For an average home (valued at $405,000) in Waterloo this works out to about $4,367.75/year in property taxes.

Of that total, the City of Waterloo receives 30 percent, the Region of Waterloo receives 56 percent and the school board of your choice receives the remaining 14 percent. The city collects on behalf of the region and school boards but does not set their tax rates.

Download this chart (PDF) for 2020 tax rates on all property types.

 Past tax rates

Online property tax look-up

Use our online look-up tool to see how much tax is paid on a given residential property in Waterloo. The tool breaks down the amounts paid to the city, region and school board. It also shows how your tax money is spent on municipal services delivered by the city.

Tax appeals, deferrals and rebates

Tax appeals

We accept applications to cancel or reduce property taxes in these circumstances:
  • if a property could not be used for its normal use because of repairs or renovations for at least three months a year

  • if the use of a non-residential property has changed since the return of the last revised assessment roll

  • if a property has exempt status after the return of the last revised assessment roll

  • if there has been a fire or demolition in a building

  • if there is a gross or manifest error in the assessment

To make an appeal, download a tax appeal application form (PDF) and submit it by the end of February in the following year. See application form for further details and conditions

In the case of a gross and manifest error, you can appeal taxes from two years prior to the current tax year.

Submit the form:

Revenue Services
City of Waterloo
100 Regina Street South
PO Box 337, Station Waterloo
Waterloo, ON N2J 4A8 

Rebates for vacancies in commercial and industrial properties

The Region of Waterloo is eliminating the vacant unit tax rate rebate program for commercial and industrial properties effective for the 2019 taxation year.

Deferrals for seniors and people with disabilities

Seniors who receive the Guaranteed Income Supplement and people with who receive support through the Ontario Disability Support program can apply for a property tax deferral. Read the Region of Waterloo policy document (PDF) for full program details.

Download the tax deferral form (PDF) and submit it:

  • in person at the revenue counter at city hall
  • by fax at 519-747-8760
  • by mail to:

Revenue Services
City of Waterloo
100 Regina Street South
PO Box 337, Station Waterloo
Waterloo, ON N2J 4A8 

Charity rebates

Eligible charities and similar organizations occupying commercial or industrial property in Waterloo may apply for a tax rebate.

The rebate is 50% of the taxes paid by the organization either directly or through its lease payments providing all of the required conditions are met. Requirements are established by the Region of Waterloo Bylaw 98-049 (PDF).

Download the charitable tax rebate application form (PDF) and submit it:

  • in person at the revenue counter at city hall
  • by fax at 519-747-8760
  • by mail to

Revenue Services
City of Waterloo
100 Regina Street South
PO Box 337, Station Waterloo
Waterloo, ON N2J 4A8

Applications must be received in our office by the last day of February of the year following the taxation year. 

For more information please contact 519-747-8718 or email  

Provincial grants

The Senior Homeowners’ Property Tax Grant provides low-to-moderate income seniors up to $500 off their property taxes. The Ontario Energy and Property Tax Credit provides help with taxes for any age over 18.