A website of Dominion Lending Centres Homestead Financial · Independently Owned and Operated · Brokerage Licence #11711 # Whitby Property Tax for Seniors, 2026 | ReverseMortgageWhitby.ca > Whitby property tax in 2026: the rate, an estimated bill on the average home, due dates, and rebates and grants for seniors. Free estimate, no sales pressure. URL: https://reversemortgagewhitby.ca/guide/whitby-property-tax-seniors/ # Whitby property tax for seniors: 2026 rates, due dates and relief What the 2026 Whitby tax bill pays for, when each instalment is due, and which Town and Ontario programs can lower it for seniors. From Dominion Lending Centres Homestead Financial · Property tax · About 6 minutes to read ## The short version - The 2026 residential rate is **1.382491%**, so the average $503,000 assessment pays about $6,954 (an estimate from the Town's rates) ([Town of Whitby 2026 tax rates](https://www.whitby.ca/media/ywujfuc2/property-tax-rates-2026-v2.pdf)). - The 2026 instalments are due **February 27, April 30, June 30 and September 29**, with a 1.25% penalty each month a balance is late ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/)). - Homeowners 65+ who get the Guaranteed Income Supplement can apply for the **Low Income Seniors Tax Rebate** by December 31 each year ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/low-income-seniors/)). - The reassessment tax deferral is **closed** until the next province-wide reassessment ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/low-income-seniors/)). - Eligible homeowners 64 and older can get **up to $500 a year** from Ontario's Senior Homeowners' Property Tax Grant ([Ontario](https://www.ontario.ca/page/senior-homeowners-property-tax-grant)). Whitby property tax for 2026 is **1.382491% of your home's assessed value**, combining the Town, Durham Region and education rates. On the average $503,000 assessment, that comes to about **$6,954 for the year**, paid in four instalments. Seniors on the Guaranteed Income Supplement can apply for a Town rebate, and Ontario adds a grant of up to $500. [Find out what your own Whitby home could give you](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=whitby-property-tax-seniors). It's free, with no sales pressure. **Who wrote this, and where the numbers come from** This website belongs to Dominion Lending Centres Homestead Financial, an Ontario mortgage brokerage (licence #11711). Its broker for Whitby homeowners is Richard Hopkins, Mortgage Broker, licence M16000896, and he compares every reverse mortgage lender in Canada. Each figure links to its source, and all of them are listed at the end. The figures were checked on October 16, 2026. No lender paid for or reviewed this page. On this page - [How much is Whitby property tax in 2026?](#how-much-is-whitby-property-tax-in-2026) - [Why are Whitby assessments based on 2016 values?](#why-are-whitby-assessments-based-on-2016-values) - [How much did Whitby property tax go up in 2026?](#how-much-did-whitby-property-tax-go-up-in-2026) - [When is Whitby property tax due?](#when-is-whitby-property-tax-due) - [What property tax relief can Whitby seniors get?](#what-property-tax-relief-can-whitby-seniors-get) - [How does a reverse mortgage fit with property tax?](#how-does-a-reverse-mortgage-fit-with-property-tax) [ReverseMortgageWhitby.ca](/) gathers the 2026 Whitby property tax figures for homeowners 55 and older in one place. Every number below comes from the Town of Whitby, Durham Region or the Province of Ontario, with a link to each source. ## How much is Whitby property tax in 2026? Whitby’s 2026 residential tax rate is 1.382491% of your home’s assessed value. That rate covers three bills in one: the Town of Whitby, Durham Region (including police, transit and waste) and the province’s education tax. On the average Whitby assessment of $503,000, the total is about $6,954 for 2026. The Town sets the rates each year ([Town of Whitby 2026 tax rates](https://www.whitby.ca/media/ywujfuc2/property-tax-rates-2026-v2.pdf)). Here is how the bill splits on the average assessment. | Part of the bill | 2026 rate | On a $503,000 assessment | | --- | --- | --- | | Town of Whitby | 0.468163% | about $2,355 | | Durham Region, incl. police, transit, waste | 0.761328% | about $3,829 | | Education | 0.153000% | about $770 | | Total | 1.382491% | about $6,954 | These dollar figures are an estimate worked out from the Town’s published rates. Your own bill depends on your own assessment. Police alone accounts for about $1,300 of the Region’s part. ## Why are Whitby assessments based on 2016 values? Ontario has not done a province-wide reassessment since 2016. Whitby assessments are still based on what homes were worth on January 1, 2016. That is why the average assessment is $503,000 while homes now sell for much more ([Town of Whitby, November 28, 2025](https://www.whitby.ca/news/posts/whitby-council-adopts-2026-budget/)). A low assessment doesn’t mean a low tax bill. The rate is set so the Town and Region collect what their budgets need, whatever the assessed values are. Current selling prices are covered in the guide to [Whitby house prices](/guide/whitby-home-prices/). ## How much did Whitby property tax go up in 2026? The Town of Whitby raised its own budget by 3.44% for 2026. Because the Town is only part of the bill, that works out to about 1.2% of the total residential bill, or about $78 a year for the average home. Durham Region approved a 4.8% increase, about $14 a month for the average homeowner. Whitby Council adopted its budget on November 27, 2025 ([Town of Whitby](https://www.whitby.ca/news/posts/whitby-council-adopts-2026-budget/)). Durham Regional Council approved its budget in January 2026, and about $10 of the $14 a month goes to police ([Durham Region](https://www.durham.ca/news/posts/durham-regional-council-approves-the-2026-business-plans-and-budget/)). ## When is Whitby property tax due? Whitby property tax is paid in four instalments. For 2026, the interim bill was due February 27 and April 30, and the final bill June 30 and September 29. Each due date falls on the last business day of February, April, June and September. A late balance is charged 1.25% on the first day it’s late and again each month. Interim bills are mailed by the end of January and final bills by the end of May ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/)). The penalty rule appears in the Town’s June 2026 notice ([Town of Whitby](https://www.whitby.ca/news/posts/final-tax-billing-for-2026-due-on-june-30/)). The dates for the season ahead are listed in the post on [Whitby dates for fall and winter 2026](/blog/whitby-dates-fall-winter-2026/). ### Three pre-authorized payment plans The Town offers three plans that take payments from a chequing account ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/pre-authorized-tax-payments/)): - **Monthly:** 11 withdrawals on the 15th, January to November. - **Instalment due date:** four withdrawals, one on each due date. - **Arrears plan:** monthly withdrawals on the 15th that clear overdue tax within 36 months at most. Late charges still apply while a balance is owing. ## What property tax relief can Whitby seniors get? Whitby seniors can apply for the Town’s Low Income Seniors Tax Rebate if they are 65 or older and receive the Guaranteed Income Supplement. Homeowners on ODSP have a matching rebate. Ontario adds the Senior Homeowners’ Property Tax Grant and the energy and property tax credit. The reassessment deferral is closed for now. ### The Town’s Low Income Seniors Tax Rebate You qualify if you are 65 or older, your income qualifies for the Guaranteed Income Supplement (GIS), and the Whitby home is your principal residence. You apply by December 31 each year with your current GIS letter, by email to [tax@whitby.ca](mailto:tax@whitby.ca) or by mail ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/low-income-seniors/)). The rebate is **$543 for 2026** ([Town of Whitby, November 28, 2025](https://www.whitby.ca/news/posts/whitby-council-adopts-2026-budget/)). One rebate is paid per property each year. ### The rebate for homeowners on ODSP Homeowners who receive the Ontario Disability Support Program (ODSP) can claim the Low Income Homeowner with Disabilities Rebate. It uses the same form and the same December 31 deadline ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/low-income-homeowner-with-disabilities/)). ### The reassessment deferral is closed Durham Region’s tax deferral program is closed until the next province-wide reassessment. When it is open, it only lets eligible seniors and ODSP recipients put off increases caused by a reassessment. It never covered the whole bill, and the deferred amount is a lien on the home, due in full when it is sold or ownership is transferred ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/low-income-seniors/)). ### Ontario’s grant and tax credit Ontario’s Senior Homeowners’ Property Tax Grant is worth up to $500 a year. You qualify if you were 64 or older on December 31 of the previous year, and the full grant goes to single seniors with adjusted family net income up to $35,000, or couples up to $45,000. You claim it with your income tax return ([Ontario](https://www.ontario.ca/page/senior-homeowners-property-tax-grant)). The Ontario energy and property tax credit is separate. It is also claimed through your tax return and paid by the Canada Revenue Agency ([Canada Revenue Agency](https://www.canada.ca/en/revenue-agency/services/child-family-benefits/provincial-territorial-programs/province-ontario.html)). ### Heritage homes in Brooklin and Downtown Whitby The Town’s Heritage Property Tax Rebate returns 40% of the Town and education taxes on the heritage part of an eligible property. It applies to designated properties and “Contributing” properties in the Brooklin and Werden’s Plan heritage districts, covering parts of [Brooklin](/service-areas/brooklin/) and [Downtown Whitby](/service-areas/downtown-whitby/). New applications run August 1 to September 15 ([Town of Whitby](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/heritage-property-tax-rebate/)). The rebate requires a Heritage Conservation Easement Agreement with the Town. Any mortgage lender must agree that the Town’s agreement ranks ahead of its mortgage. If you have this rebate, tell Richard Hopkins, Mortgage Broker, at the start, so the lender’s lawyer can plan for it. ## How does a reverse mortgage fit with property tax? A reverse mortgage doesn’t replace your property tax bill. You keep paying the tax, home insurance and upkeep, and lenders check that the tax stays paid. There are no required monthly mortgage payments, which frees up money in your monthly budget. Any overdue property tax is paid off at closing from the mortgage money. Some Whitby homeowners take enough to cover several years of tax and keep it in the bank. Others take regular monthly deposits. With the Region’s deferral closed, this is one way some seniors keep their tax bills current. The money from a reverse mortgage is a loan, not income. It doesn’t count toward the GIS, so it doesn’t change your eligibility for the Town’s seniors’ rebate. Interest you earn on money left in savings does count as income, though. Besides comparing every reverse mortgage lender in Canada, Richard sets up home equity lines of credit, refinances and regular mortgages. With every choice weighed, you get a recommendation based on your situation, even if it’s not a reverse mortgage. For fees and interest, the [guide to reverse mortgage costs in Whitby](/guide/reverse-mortgage-cost-whitby/) explains the fees and interest, and the [Whitby reverse mortgage calculator](/tools/reverse-mortgage-calculator-whitby/) shows a rough figure for your age and home. ## What this means for you Whitby property tax for an average home is close to $7,000 in 2026, and it stays your bill whatever else changes. Claim every rebate and grant you qualify for. Richard Hopkins, Mortgage Broker, compares every reverse mortgage lender in Canada and other ways to borrow. With them all weighed, you get a recommendation based on your situation, even if it's not a reverse mortgage. To see the figures for your own home, [get your free Whitby estimate](https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=whitby-property-tax-seniors). There's no cost and no sales pressure. ## More questions on this topic **How much is the Town of Whitby's seniors' tax rebate?** **$543 in 2026**, according to the Town's 2026 budget ([Town of Whitby, November 28, 2025](https://www.whitby.ca/news/posts/whitby-council-adopts-2026-budget/)). You must be 65 or older, receive the Guaranteed Income Supplement and live in the home, and you apply by December 31 each year. **Can you defer Whitby property tax in 2026?** No. The tax deferral that Durham Region and the Town offer is closed until the next province-wide reassessment. Even when it reopens, it only covers increases caused by a reassessment, not the whole bill. The rebates and Ontario's grant are still open. **Will a reverse mortgage pay my property tax for me?** No. You still pay the property tax, and lenders require it to be kept up. Any overdue tax is paid off at closing from the mortgage money, and some homeowners set aside part of the money for future tax bills. There are **no required monthly mortgage payments**. See [what a reverse mortgage costs in Whitby](/guide/reverse-mortgage-cost-whitby/). [Related page Reverse mortgages in Whitby Start here: what a reverse mortgage could give you on a Whitby home, the costs involved, and free help from a licensed Ontario broker.](/) ## Other Whitby guides - [Reverse mortgage cost in Whitby: one-time fees, interest and an example](/guide/reverse-mortgage-cost-whitby/) - [Whitby house prices in 2026, and what your home could provide](/guide/whitby-home-prices/) - [Downsizing in Whitby: what selling and moving would really cost](/guide/downsizing-in-whitby-cost/) - [Long term care in Whitby: homes, waiting lists, costs and your house](/guide/long-term-care-whitby/) [Email this page to a family member](mailto:?subject=Whitby%20property%20tax%20for%20seniors%3A%202026%20rates%2C%20due%20dates%20and%20relief&body=This%20page%20may%20help%3A%20https%3A%2F%2Freversemortgagewhitby.ca%2Fguide%2Fwhitby-property-tax-seniors%2F) . To print it, use your browser's Print button. ## Where these figures come from Checked October 16, 2026. 1. [Town of Whitby, 2026 property tax rates (PDF)](https://www.whitby.ca/media/ywujfuc2/property-tax-rates-2026-v2.pdf) 2. [Town of Whitby, Property taxes (due dates, average assessment), accessed October 16, 2026](https://www.whitby.ca/services-and-payments/property-taxes/) 3. [Town of Whitby, Council adopts 2026 budget, November 28, 2025](https://www.whitby.ca/news/posts/whitby-council-adopts-2026-budget/) 4. [Durham Region, Regional Council approves the 2026 business plans and budget, January 28, 2026](https://www.durham.ca/news/posts/durham-regional-council-approves-the-2026-business-plans-and-budget/) 5. [Town of Whitby, Final tax billing for 2026 due on June 30, June 9, 2026](https://www.whitby.ca/news/posts/final-tax-billing-for-2026-due-on-june-30/) 6. [Town of Whitby, Pre-authorized tax payments](https://www.whitby.ca/services-and-payments/property-taxes/pre-authorized-tax-payments/) 7. [Town of Whitby, Low Income Seniors Tax Rebate](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/low-income-seniors/) 8. [Town of Whitby, Low Income Homeowner with Disabilities Rebate](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/low-income-homeowner-with-disabilities/) 9. [Durham Region, Property taxes (reassessment deferral)](https://www.durham.ca/regional-government/property-taxes/) 10. [Town of Whitby, Heritage Property Tax Rebate](https://www.whitby.ca/services-and-payments/property-taxes/tax-rebate-and-relief-programs/heritage-property-tax-rebate/) 11. [Ontario, Senior Homeowners' Property Tax Grant (updated January 2, 2026)](https://www.ontario.ca/page/senior-homeowners-property-tax-grant) 12. [Canada Revenue Agency, Ontario programs (Ontario energy and property tax credit)](https://www.canada.ca/en/revenue-agency/services/child-family-benefits/provincial-territorial-programs/province-ontario.html) Date modified: 2026-10-16 --- Free reverse mortgage estimate (no sales pressure): https://reversemortgagebroker.ca/estimate/?utm_source=reversemortgagewhitby&utm_medium=satellite&utm_campaign=whitby-property-tax-seniors Operated by Dominion Lending Centres Homestead Financial, a mortgage brokerage licensed by the Financial Services Regulatory Authority of Ontario, brokerage licence #11711. Independently Owned and Operated. ReverseMortgageWhitby.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896.