City-Wide Basics
Specifics
What Is Your Home’s Assessed Value?
Municipalities assign a value to your property for taxation using standardized formulas and past valuation dates. That number can be very different from what your home would sell for today. See your property’s assessed value in seconds.
How is Montreal property tax calculated?
Your city calculates your property tax bill by applying city-wide and neighbourhood-specific rates to your property’s assessed value. For the 2026 tax year, you need to know:
- The property tax formula
- Montreal 2026 property tax rate (city-wide base)
- Montreal 2026 Property Tax Rate (Local Borough Tax)
1. The property tax formula
To find your total, use your property’s Assessed Value (found on your municipal evaluation notice or the property assessment rolls) and follow these steps:
Annual Property Tax = (Assessed Value ÷ 100) × Total Combined Rate
The total combined rate is a combination of the Montreal’s City-Wide Base Rates and your Local Borough Tax.
2. Montreal 2026 Property Tax Rate (City-Wide Base)
City-Wide Base Rates
| Tax Component | Rate (per $100 valuation) |
|---|---|
| General Property Tax | 0.4631 |
| ARTM Special Tax | 0.0070 |
| Roads Special Tax | 0.0024 |
| Water Service Tax | 0.0831 |
| Provincial School Tax | 0.0842 |
| City-Wide Subtotal | 0.6398 |
3. Montreal 2026 Property Tax Rate (Local Borough Tax)
Neighborhood-Specific Rates Comparison
| Neighborhood | Local Taxes | Total Combined Rate |
|---|---|---|
| Ahuntsic-Cartierville | 0.0947 | 0.0947 |
| Anjou | 0.1847 | 0.1847 |
| Côte-des-Neiges–Notre-Dame-de-Grâce | 0.0803 | 0.0803 |
| Lachine | 0.0756 | 0.0756 |
| LaSalle | 0.0910 | 0.0910 |
| Le Plateau-Mont-Royal | 0.0955 | 0.0955 |
| Le Sud-Ouest | 0.0969 | 0.0969 |
| Mercier–Hochelaga-Maisonneuve | 0.1197 | 0.1197 |
| Montréal-Nord | 0.1824 | 0.1824 |
| Outremont | 0.0781 | 0.0781 |
| Rivière-des-Prairies–Pointe-aux-Trembles | 0.1544 | 0.1544 |
| Rosemont–La Petite-Patrie | 0.1035 | 0.1035 |
| Saint-Laurent | 0.0970 | 0.0970 |
| Saint-Léonard | 0.1265 | 0.1265 |
| Verdun | 0.1006 | 0.1006 |
| Ville-Marie | 0.0673 | 0.0673 |
| Villeray–Saint-Michel–Parc-Extension | 0.1041 | 0.1041 |
Example of how to calculate Montreal’s property tax
Let’s say that you live in Verdun, If your property in Verdun has an assessed value of $500,000, you can use the City-Wide Base and Local Borough Tax rates to calculate your property as follows:
- Monthly Budget Impact: Divided by 12, your monthly property tax expense is $308.51.
- Divide Value by 100: $500,000 \ 100 = $5,000 units.
- Apply Combined Rate: $5,000 * 0.74043 = $3,702.15
When is your property tax due in Montreal in 2026?
The City of Montreal issues municipal property tax bills each year at the end of January. For 2026, the City of Montreal has set the main payment deadlines as follows:
- First instalment: March 2, 2026
- Second instalment: June 1, 2026
You can pay the total tax amount in one or two instalments without penalty if the bill is $300 or more. Payments made after these dates may be subject to daily 0.75% interest and a 0.41% penalty. The City will mail you School tax bills separately later in the year (typically after July 1), with their own due dates for instalments.
How to pay your property tax in Montreal?
In Montreal, you can pay your property tax either online (through your financial institution), in person or by mail. Whichever method you choose, the city advises that you to factor in two business days before the actual due date, to give the city time to process your payment and credit your account.
Pay property tax by online
The city accepts online payments through your bank. However, your bank must be on the list of participating institutions which are:
- CIBC Bank
- Laurentian Bank
- National Bank of Canada
- Scotia Bank
- BMO Financial Group
- Desjardins (AccèsD)
- TD Bank Financial Group
- RBC Royal Bank
When you pay online, enter the reference number shown on your property tax notice without the hyphens.
Pay property tax by mail
Send your cheque along with the detachable portions of your tax notice to the following address.
Ville de Montréal
Service des finances
P.O. Box 11043, Succ. Centre-Ville
Montréal, QC H3C 4X8
The city will accept only the following payment methods:
- A cheque payable to “Ville de Montréal”, in Canadian dollars, drawn on a Canadian bank account
- A postal money order payable to “Ville de Montréal”, in Canadian dollars
Allow enough time for the City to receive and process your payment.
Pay property tax in person
Go to your local Accès Montréal Office. Take the detachable part of your tax notice and your property tax payment. The city will only allow you to pay pay using one of the following payment methods:
- Debit card
- Cheque payable to “Ville de Montréal,” in Canadian dollars, drawn on a Canadian bank account
- Postal money order payable to “Ville de Montréal,” in Canadian dollars
- Cash (check the authorized limit at the point of service)
You can also pay at the wicket or counter at your financial institution.
Frequently asked questions
1. If your tax account is under $300, you must pay it in full by the first instalment deadline.
2. If your total account is $300 or more, you can pay it in one or two instalments without any interest charge or penalty.
3. You can also decide to pay your tax account in more than two instalments. To do this, you must contact the city by dialling 311 or 514-872-0311 (from outside Montreal). In this case, the city will charge you interest on the amount you owe and financial penalties.
