Can I get help with my property tax as a senior?
Last checked:
Most provinces and territories help senior homeowners with property tax. Some lower the bill with a grant or rebate. Others let you put off paying until the home is sold. What you can get depends on where you live, your age and often your income.
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Do you own the home you live in?
Answer Yes if you own it alone or with someone else. A cottage or rental property does not count. Most programs are only for your main home.
Where do you live?
Which province do you live in?
Which one?
Which province do you live in?
Which province do you live in?
Which territory do you live in?
Are you 64 or older, or will you be 64 by December 31 of the year you claim for?
Ontario's seniors grant starts at 64. You do not have to wait until 65.
Do you have a spouse or common-law partner?
A common-law partner is a person you have lived with in a marriage-like relationship for at least one year.
On your 2025 tax return, was your adjusted family net income $50,000 or less?
Adjusted family net income is your net income from line 23600 of your return, with a few changes the Canada Revenue Agency makes. If you are close to the limit, answer I do not know.
On your 2025 tax return, was your adjusted family net income, yours and your spouse's or partner's together, $60,000 or less?
Adjusted family net income is your net income plus your spouse's or partner's, from line 23600 of your returns, with a few changes the Canada Revenue Agency makes.
Likely eligible
You likely qualify for the full Ontario seniors grant.
Why
The Ontario Senior Homeowners' Property Tax Grant pays up to $500 a year. On a 2025 tax return, a single person gets the full $500 with adjusted family net income of $35,000 or less, and a couple with $45,000 or less.
What to do next
- Fill in the ON-BEN form with your tax return and report the property tax you paid.
- File your tax return every year, even if you have no income to report. The grant is only paid through your return.
- The grant comes four to eight weeks after your notice of assessment.
- You may also get the Ontario Energy and Property Tax Credit, claimed on the same ON-BEN form.
Your answers
More help
- Can I get help paying my rent as a senior?
- Can I claim the age amount on my taxes?
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely eligible
You likely qualify for a smaller Ontario seniors grant.
Why
The Ontario Senior Homeowners' Property Tax Grant pays up to $500 a year. On a 2025 tax return it goes down as income rises. It ends at adjusted family net income of $50,000 for a single person and $60,000 for a couple. Your income is between the full amount and the end point, so you likely get part of the grant.
What to do next
- Fill in the ON-BEN form with your tax return and report the property tax you paid. The Canada Revenue Agency works out the amount.
- File your tax return every year. The grant is only paid through your return.
- You may also get the Ontario Energy and Property Tax Credit, claimed on the same ON-BEN form.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
Your 2025 income was likely too high for the Ontario seniors grant.
Why
On a 2025 tax return, the Ontario Senior Homeowners' Property Tax Grant ends at adjusted family net income of $50,000 for a single person and $60,000 for a couple.
What to do next
- If your income drops in a later year, check again. The grant is worked out each year from your tax return.
- Ask your city or town whether it offers any property tax relief for seniors.
- If your home is in an area with no municipal government, ask about the Provincial Land Tax deferral program for low-income seniors (Ministry of Finance, 1-866-400-2122).
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Your 2025 income decides this.
Why
You meet the age rule for the Ontario Senior Homeowners' Property Tax Grant, which pays up to $500 a year. On a 2025 return the full amount goes to a single person with adjusted family net income of $35,000 or less, or a couple with $45,000 or less. It ends at $50,000 for a single person and $60,000 for a couple.
What to do next
- Find your net income on line 23600 of your 2025 notice of assessment. For a couple, add both.
- Claim the grant anyway on the ON-BEN form with your tax return. The Canada Revenue Agency works out whether you get it and how much.
- If you have not filed your 2025 tax return, file it now.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
Not yet. Ontario's seniors grant starts at 64.
Why
To get the Ontario Senior Homeowners' Property Tax Grant, you must be 64 or older by December 31 of the tax year. Other help does not have this age rule.
What to do next
- Check the Ontario Energy and Property Tax Credit. It also helps with property tax and is claimed on the ON-BEN form with your tax return.
- Ask your city or town whether low-income seniors can get relief from property tax increases.
- If your home is in an area with no municipal government, ask about the Provincial Land Tax deferral program for low-income seniors (Ministry of Finance, 1-866-400-2122).
- Come back to this check in the year you turn 64.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Were you 65 or older on December 31, 2025?
On December 31, 2025, had you owned your home for at least 15 years in a row?
Was your family income for 2025 $64,200 or less?
Family income means your income plus your spouse's or partner's, if you have one.
Did your municipal tax go up because your home's value went up a lot?
This grant is only for owners whose tax rose because the home's assessed value rose a lot. Your municipal tax bill and assessment notice show the change.
Likely eligible
You likely qualify for Quebec's grant to offset a municipal tax increase.
Why
The Grant for Seniors to Offset a Municipal Tax Increase helps owners whose tax rose because their home's value went up a lot. You were 65 or older on December 31, 2025, had owned the home for at least 15 years in a row, and had 2025 family income of $64,200 or less.
What to do next
- Claim the grant on form TP-1029.TM-V with your 2025 Quebec income tax return.
- Keep your municipal tax bill and assessment notice. Revenu Québec works out the amount.
Your answers
More help
- Revenu Québec: Grant for Seniors to Offset a Municipal Tax Increase
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
You likely do not qualify for Quebec's seniors property tax grant.
Why
Quebec's Grant for Seniors to Offset a Municipal Tax Increase is for owners who, on December 31, 2025, were 65 or older, had owned the home for at least 15 years in a row, and had 2025 family income of $64,200 or less. Your answer shows one of these rules is not met.
What to do next
- Check again next year. Your age, years of ownership and income are looked at each year.
- If your housing costs are high compared with your income, Quebec's shelter allowance is also open to owners aged 50 or older.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
This grant likely does not apply to you this year.
Why
Quebec's Grant for Seniors to Offset a Municipal Tax Increase is only for owners whose tax rose because the home's value went up a lot. If your tax did not rise for that reason, the grant does not help.
What to do next
- Check again after your next property assessment.
- If your housing costs are high compared with your income, Quebec's shelter allowance is also open to owners aged 50 or older.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
You may qualify. Revenu Québec decides.
Why
Quebec's Grant for Seniors to Offset a Municipal Tax Increase is for owners whose tax rose because their home's value went up a lot. On December 31, 2025 you must have been 65 or older, owned the home for at least 15 years in a row, and had 2025 family income of $64,200 or less.
What to do next
- Look at your purchase papers for the date you bought the home, and at your 2025 notice of assessment for your income.
- Compare your last two municipal tax bills to see whether the tax went up after a new assessment.
- If you think you meet the rules, claim the grant on form TP-1029.TM-V with your Quebec income tax return.
Your answers
More help
- Revenu Québec: Grant for Seniors to Offset a Municipal Tax Increase
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
How old are you this year?
For 2026, was your home assessed at $2,075,000 or less?
The assessed value is on your property assessment notice and your property tax bill.
Likely eligible
You likely qualify for the BC home owner grant for seniors.
Why
Owners who are 65 or older this year can get the larger home owner grant for seniors. The province lists it as $845 for the 2027 tax year. For 2026, the full grant goes to homes assessed at $2,075,000 or less. You must have paid at least $100 in property tax. You can also use the Property Tax Deferment Program, which is open to owners 55 or older.
What to do next
- Apply for the home owner grant every year. If you missed last year, you can ask for a retroactive grant.
- If you want to put off paying your tax, apply for deferment online through eTaxBC. You must apply every year.
- Before you defer, know the cost. For taxes deferred for 2026 and later, interest is prime plus 2%, compounded monthly (6.45% for all of 2026). There is a $60 fee to join and a $10 fee each year you renew.
- Questions: call 1-888-355-2700.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
You may get a smaller grant, or none.
Why
For 2026, the BC home owner grant shrinks by $5 for every $1,000 your home is assessed above $2,075,000. If your home is worth more, you may still get a low-income supplement if your income is $32,000 or less. You can also use the Property Tax Deferment Program, which is open to owners 55 or older.
What to do next
- Apply for the home owner grant anyway. The province works out whether you get part of it.
- If your income is $32,000 or less, ask about the low-income supplement when you apply.
- If you want to put off paying your tax, apply for deferment online through eTaxBC. For taxes deferred for 2026 and later, interest is prime plus 2%, compounded monthly (6.45% for all of 2026).
- Questions: call 1-888-355-2700.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
You likely qualify for the seniors grant if your home is not worth too much.
Why
Owners who are 65 or older this year can get the larger home owner grant for seniors, which the province lists as $845 for the 2027 tax year. For 2026, the full grant goes to homes assessed at $2,075,000 or less, and it shrinks by $5 for every $1,000 above that. You can also use the Property Tax Deferment Program, which is open to owners 55 or older.
What to do next
- Find your home's assessed value on your property assessment notice or property tax bill.
- Apply for the home owner grant every year. The province works out the amount.
- If your home is worth more and your income is $32,000 or less, ask about the low-income supplement.
- Questions: call 1-888-355-2700.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely eligible
You can likely defer your property tax in BC.
Why
The regular option of BC's Property Tax Deferment Program is for owners 55 or older. A deferral is a loan: the province pays your tax, and you or your estate repay it, with interest, when the home is sold or ownership changes. The larger home owner grant for seniors starts in the year you turn 65.
What to do next
- Know the cost first. For taxes deferred for 2026 and later, interest is prime plus 2%, compounded monthly (6.45% for all of 2026). There is a $60 fee to join and a $10 fee each year you renew.
- Apply online through eTaxBC. You must apply every year.
- Talk to your family, or anyone who expects to inherit the home, before you apply.
- Ask about the regular home owner grant too. Questions: call 1-888-355-2700.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Senior programs start later, but you may still qualify.
Why
BC's Property Tax Deferment Program is for owners 55 or older, but its regular option is also open to surviving spouses and people with disabilities. The larger home owner grant for seniors starts in the year you turn 65.
What to do next
- If you are a surviving spouse or have a disability, ask about the deferment program. Call 1-888-355-2700.
- Ask about the regular home owner grant at the same number.
- Come back to this check in the year you turn 55.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Are you, or your spouse or partner, 65 or older?
Only one of you needs to be 65 or older.
Do you own at least 25% of your home's value outright?
This is your equity: the home's value minus what you still owe on a mortgage or loans against it. To find the share, divide your equity by the home's value.
Likely eligible
You likely qualify for Alberta's Seniors Property Tax Deferral.
Why
The Seniors Property Tax Deferral Program is for owners 65 or older with at least 25% equity. There is no income test. The province pays your municipal taxes as a home equity loan, which you repay when the home is sold. Interest was 4.45% simple interest when we checked in October 2026, reviewed each April and October.
What to do next
- Apply at least 30 days before your municipal tax deadline. You can defer for up to 10 years without reapplying.
- If you pay your property tax through your mortgage, tell your lender first.
- Talk to your family, or anyone who expects to inherit the home, before you apply.
- Questions: call Alberta Supports at 1-877-644-9992.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
You likely need more equity for Alberta's deferral.
Why
Alberta's Seniors Property Tax Deferral Program needs at least 25% equity in your home.
What to do next
- Check again as you pay down your mortgage or loans.
- Ask your city or town whether it offers any property tax relief for seniors.
- Questions: call Alberta Supports at 1-877-644-9992.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Your equity decides this.
Why
Alberta's Seniors Property Tax Deferral Program is for owners 65 or older with at least 25% equity in their home. There is no income test.
What to do next
- Find your home's value on your property assessment, and what you still owe on your latest mortgage or loan statements.
- Call Alberta Supports at 1-877-644-9992 and ask whether you have enough equity.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
Not yet. Alberta's deferral starts at 65.
Why
Alberta's Seniors Property Tax Deferral Program is for owners 65 or older. Only one partner needs to be 65.
What to do next
- Ask your city or town whether it offers any property tax relief.
- Come back to this check in the year you or your partner turns 65.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Are you 65 or older?
Is your household income below $70,000?
Household income is the income of everyone in your home added together.
Do you own at least 25% of your home's value outright, and have all-risk home insurance?
Equity is the home's value minus what you still owe on a mortgage or loans against it. All-risk insurance is a common type of home insurance; your policy says if you have it.
Likely eligible
You likely qualify for Saskatchewan's seniors deferral.
Why
The Seniors Education Property Tax Deferral Program lets owners 65 or older with household income below $70,000 put off paying the education part of their property tax. You need at least 25% equity and all-risk home insurance. A deferral is a loan, repaid when the home is sold or ownership changes.
What to do next
- Apply to Saskatchewan Housing Corporation at 1-800-667-7567.
- Talk to your family, or anyone who expects to inherit the home, before you apply.
Your answers
More help
- Government of Saskatchewan: Seniors Education Property Tax Deferral Program
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
You likely do not qualify for Saskatchewan's seniors deferral.
Why
The Seniors Education Property Tax Deferral Program is for owners 65 or older with household income below $70,000.
What to do next
- Ask your city or town whether it offers any property tax relief.
- Check again if your age or income changes.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
The deferral needs equity and insurance.
Why
Saskatchewan's Seniors Education Property Tax Deferral Program needs at least 25% equity in your home and all-risk home insurance.
What to do next
- If you can get all-risk insurance, or as you pay down your mortgage, check again.
- Questions: call Saskatchewan Housing Corporation at 1-800-667-7567.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
You may qualify. Saskatchewan Housing Corporation decides.
Why
The Seniors Education Property Tax Deferral Program is for owners 65 or older with household income below $70,000, at least 25% equity in the home and all-risk home insurance.
What to do next
- Find your household income on your latest notices of assessment, and check your home insurance policy.
- Call Saskatchewan Housing Corporation at 1-800-667-7567 and ask whether you qualify.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Are you 65 or older?
Is your family net income under $63,500?
Family net income is your net income plus your spouse's or partner's, from line 23600 of your tax returns.
Likely eligible
You can likely get two kinds of help in Manitoba.
Why
The Homeowners Affordability Tax Credit gives up to $1,600 for 2026 on your main home. Owners 65 or older can also claim the Seniors' School Tax Rebate, worth up to $235 a year (2024 and later). The rebate goes down by 1% of family net income over $40,000 and ends at $63,500.
What to do next
- Tell your municipality that the home is your principal residence. The Homeowners Affordability Tax Credit usually shows up on your property tax bill. If it does not, claim it on your tax return.
- Claim the Seniors' School Tax Rebate on your tax return.
- File your tax return every year, even if you have no income to report.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely eligible
You can likely get Manitoba's Homeowners Affordability Tax Credit.
Why
The Homeowners Affordability Tax Credit gives up to $1,600 for 2026 on your principal residence. The Seniors' School Tax Rebate is only for owners 65 or older with family net income under $63,500, so it likely does not apply to you.
What to do next
- Tell your municipality that the home is your principal residence. The credit usually shows up on your property tax bill.
- If it does not show up, claim it on your tax return.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Are you 65 or older?
Is your household income under $30,000 a year?
Household income is the income of everyone in your home added together.
Is your household income under $30,000 a year?
Household income is the income of everyone in your home added together.
Likely eligible
You may be able to use two New Brunswick programs.
Why
The Property Tax Allowance gives low-income owners up to $300 a year when household income is under $22,000, $200 up to $25,000 and $100 up to $30,000. Owners 65 or older can also use the Property Tax Deferral Program for Seniors, which lets you put off the yearly increase in your property tax above a base year. These are the amounts posted when we checked in October 2026.
What to do next
- Apply for the Property Tax Allowance through Service New Brunswick at 1-888-762-8600. You can apply for this year and the past three years.
- For the deferral, apply by December 31 of the year you want to start. Call 1-800-669-7070. Interest is 3.949% a year if household income is under $124,178.
- Talk to your family before you defer. Deferred tax and interest are repaid when the home is sold.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely eligible
You can likely defer your yearly tax increase in New Brunswick.
Why
The Property Tax Deferral Program for Seniors lets owners 65 or older put off the yearly increase in their property tax above a base year. When we checked in October 2026, interest was 3.949% a year if household income is under $124,178, and 8.949% if it is higher. The Property Tax Allowance is only for household income under $30,000.
What to do next
- Apply by December 31 of the year you want to start. Call 1-800-669-7070.
- Talk to your family before you defer. Deferred tax and interest are repaid when the home is sold.
- If your household income is under $30,000, also ask Service New Brunswick (1-888-762-8600) about the Property Tax Allowance.
Your answers
More help
- Government of New Brunswick: Property tax deferral program for seniors
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely eligible
You likely qualify for New Brunswick's Property Tax Allowance.
Why
The Property Tax Allowance gives low-income owners up to $300 a year when household income is under $22,000, $200 up to $25,000 and $100 up to $30,000. These are the amounts posted when we checked in October 2026. The deferral program for seniors starts at 65.
What to do next
- Apply through Service New Brunswick at 1-888-762-8600.
- You can apply for this year and the past three years, so ask about back years too.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
You likely do not qualify yet in New Brunswick.
Why
The Property Tax Allowance is for household income under $30,000, and the Property Tax Deferral Program for Seniors starts at 65.
What to do next
- Come back to this check in the year you turn 65.
- If your income drops below $30,000, ask Service New Brunswick (1-888-762-8600) about the Property Tax Allowance.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Your household income decides this.
Why
New Brunswick's Property Tax Allowance gives low-income owners up to $300 a year when household income is under $22,000, $200 up to $25,000 and $100 up to $30,000.
What to do next
- Add up the income of everyone in your home from your latest notices of assessment.
- Call Service New Brunswick at 1-888-762-8600 and ask whether you qualify.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Do you get, or qualify for, the Guaranteed Income Supplement (GIS) or the Allowance in 2026?
These are federal payments for people with low income. GIS is added to Old Age Security. The Allowance is for some people aged 60 to 64.
Is your 2025 municipal property tax paid in full?
Likely eligible
You likely qualify for Nova Scotia's seniors rebate.
Why
The Property Tax Rebate for Seniors pays back 50% of your 2025 municipal residential property tax, up to $800. It is for owners who receive, or qualify for, GIS or the Allowance in 2026 and whose 2025 taxes are paid in full.
What to do next
- Apply by December 31, 2026.
- Have your 2025 property tax bill and proof that it is paid.
- Questions: call 1-800-670-4357.
Your answers
More help
- Government of Nova Scotia: Property Tax Rebate for Seniors
- Can I get help with my heating or power bills as a senior?
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
Pay your 2025 tax first.
Why
Nova Scotia's Property Tax Rebate for Seniors needs your 2025 municipal property tax to be paid in full.
What to do next
- Pay what you owe on your 2025 property tax, then apply by December 31, 2026.
- If you cannot pay, ask your municipality about a payment plan.
- Questions: call 1-800-670-4357.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
You likely do not qualify for Nova Scotia's seniors rebate.
Why
The Property Tax Rebate for Seniors is only for people who receive, or qualify for, the Guaranteed Income Supplement or the Allowance in 2026.
What to do next
- Check whether you might qualify for GIS. Many people who qualify never apply.
- Look at Nova Scotia's heating help, such as the Seniors Care Grant, which has its own rules.
Your answers
More help
- Do I qualify for the Guaranteed Income Supplement (GIS)?
- Can I get help with my heating or power bills as a senior?
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Check your GIS first.
Why
Nova Scotia's Property Tax Rebate for Seniors pays back 50% of your 2025 municipal property tax, up to $800. It is for people who receive, or qualify for, GIS or the Allowance in 2026.
What to do next
- Run our GIS check to see whether you are likely to qualify.
- If you do, apply for the rebate by December 31, 2026. Call 1-800-670-4357 with questions.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Are you 65 or older?
Is your household income under $42,000?
Household income is the income of everyone in your home added together.
Likely eligible
You likely qualify for PEI's seniors deferral.
Why
The Seniors Property Tax Deferral Program is for owners 65 or older with household income under $42,000. No interest builds up while taxes are deferred. Deferred taxes are due when the owner dies or the home is sold.
What to do next
- Call PEI Taxation and Property Records at 902-368-4070 to apply.
- Talk to your family, or anyone who expects to inherit the home, before you apply.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
You likely do not qualify for PEI's seniors deferral.
Why
PEI's Seniors Property Tax Deferral Program is for owners 65 or older with household income under $42,000.
What to do next
- Check again if your age or income changes.
- Look at PEI's heating help, which has its own rules.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Your household income decides this.
Why
PEI's Seniors Property Tax Deferral Program is for owners 65 or older with household income under $42,000.
What to do next
- Add up the income of everyone in your home from your latest notices of assessment.
- Call PEI Taxation and Property Records at 902-368-4070 and ask whether you qualify.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Ask your town or city.
Why
We did not find a provincial property tax program for seniors in Newfoundland and Labrador. That does not mean none exists. Property tax is set by your town or city.
What to do next
- Call your municipal office and ask about any senior or low-income property tax relief.
- Call 211 for help finding local programs.
- Look at the province's heating and home repair help, which has its own rules.
Your answers
More help
- Can I get help with my heating or power bills as a senior?
- Read our full guide: 211 help line
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Are you 65 or older?
Likely eligible
You likely qualify for Yukon's home owners grant, and can defer your tax.
Why
Yukon's home owners grant gives seniors 65 or older up to 75% of their property tax, to a maximum of $500. Owners 65 or older can also use the Seniors' Property Tax Deferment Program to put off all or part of the tax left after the grant.
What to do next
- Apply for the grant for the 2026 tax year by February 15, 2027. If you live in a municipality, apply through your municipal office.
- For the deferment, apply after January 1. If you apply after July 2, you may owe penalties and interest for the year.
- Ask the Property Assessment and Taxation office (867-667-5268) whether your property is covered.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely eligible
You likely qualify for Yukon's home owners grant.
Why
Yukon's home owners grant gives owners under 65 up to 50% of their property tax, to a maximum of $450. At 65, it rises to 75%, to a maximum of $500, and you can also defer your tax.
What to do next
- Apply for the grant for the 2026 tax year by February 15, 2027. If you live in a municipality, apply through your municipal office.
- Questions: call 867-667-5268.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Are you 65 or older?
Do you live in Yellowknife, Hay River, Fort Smith, Fort Simpson, Inuvik or Norman Wells?
Likely eligible
You likely qualify for NWT property tax relief.
Why
Seniors and Disabled Persons Property Tax Relief gives a 100% rebate to qualified seniors 65 or older in the General Taxation Area.
What to do next
- Apply every year. Relief is not renewed on its own.
- Ask your community government if you are not sure whether you are in the General Taxation Area.
Your answers
More help
- Government of the NWT: Seniors and Disabled Persons Property Tax Relief
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Ask your community government.
Why
In Yellowknife, Hay River, Fort Smith, Fort Simpson, Inuvik and Norman Wells, property tax relief for seniors is handled by the community government, not the territory.
What to do next
- Call your town office and ask about property tax relief for seniors.
- Ask whether you need to apply every year.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
The seniors rebate starts at 65.
Why
The NWT's Seniors and Disabled Persons Property Tax Relief gives a 100% rebate to qualified seniors 65 or older. As its name says, it also covers some people with disabilities, but we do not have those rules.
What to do next
- If you have a disability, ask your community government whether you qualify.
- Come back to this check in the year you turn 65.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Do you live in Iqaluit?
Which describes you?
Likely eligible
You can likely apply for a Nunavut property tax exemption.
Why
Seniors 65 or older and people with disabilities who own and live in their home in the general taxation area can apply each year for a property tax exemption.
What to do next
- Apply every year.
- See the Government of Nunavut's property tax page, below, for how to apply.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
Not yet. Nunavut's exemption starts at 65.
Why
Nunavut's property tax exemption is for owners 65 or older, and for people with disabilities, who live in their home in the general taxation area.
What to do next
- Come back to this check in the year you turn 65.
- Look at Nunavut's heating help, which starts at 60.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
We cannot tell from your answers
Ask the City of Iqaluit.
Why
The City of Iqaluit runs its own property tax, so the territory's exemption does not apply there.
What to do next
- Call the City of Iqaluit finance department at 867-979-5610 and ask about help for seniors.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
Property tax help is for owners. Renters get help in other ways.
Why
The programs in this check lower or defer the property tax that homeowners pay. Renters do not pay property tax directly, but many provinces have rent benefits and rent tax credits.
What to do next
- Use our rent help check to see what fits where you live.
- In Ontario, renters can get the Ontario Energy and Property Tax Credit on their tax return.
Your answers
More help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Likely not eligible
Property tax help goes to the owner.
Why
The programs in this check are for people who own and live in their home. If a family member owns the home, they can use this check for themselves.
What to do next
- If you pay rent or board, our rent help check shows what you may get.
- Call 211 to find local help with housing costs.
Your answers
More help
- Can I get help paying my rent as a senior?
- Read our full guide: 211 help line
- Read our full guide: Property tax help
This check is general information, not legal or financial advice. OAS Guides is not part of, or connected to, the Government of Canada or Service Canada. Only the government office that runs the program can decide whether you qualify, and we cannot promise any result. Figures were last checked on 2026-10-04.
Where these rules come from
- Senior Homeowners' Property Tax Grant (Government of Ontario)
- Home owner grant for seniors (Government of British Columbia)
- Property tax deferment program (Government of British Columbia)
- Seniors Property Tax Deferral Program (Government of Alberta)
- Grant for Seniors to Offset a Municipal Tax Increase (Revenu Québec)
- Apply for a property tax rebate: Property Tax Rebate for Seniors (Government of Nova Scotia)