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Property tax - frequently asked questions

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Property tax and assessment

Frequently asked questions

Do you have questions about your property taxes? Read our frequently asked questions below.

 

Property tax


Where do my property tax dollars go?

The funds collected through property tax are generally split between the Alberta Government and The City. In 2018, about 61 per cent of all residential property taxes will go towards City services while about 39 per cent will be sent to the Government of Alberta.

City Council sets the annual budget needed to pay for services that benefit all Calgarians.

The City budget is paid from property taxes, plus other sources including business taxes, license fees, provincial grants and user fees like transit fares.

Your property taxes support services like police, fire protection, garbage collection, transit, parks, recreation, social services and more.

See where your tax dollars go using the tax breakdown tool


What is the municipal property tax rate increase this year?

City Council sets the property tax rate based on many factors, including citizen priorities and the level of satisfaction with City services.

For 2018, Council reduced the previously approved 2018 property tax increase from 4.7 per cent to 0.9 per cent to help property owners still feeling the effects of the downturn. However, with the removal of the 2017 one-time municipal rebates, property owners will see a 3.8 per cent rate increase:

  • 2.9 per cent from the removal of 2017 rebates / deferral of 2017 property tax, and
  • 0.9 per cent increase in the 2018 municipal residential tax rate.

 

View current and historial property tax rates.

Learn how The City determines the property tax rate


What is the combined municipal and provincial property tax rate increase for 2018?

Your property tax bill reflects a combined 2018 municipal and provincial property tax rate increase of 0.2 per cent for residential property owners (0.9 per cent for municipal purposes and -0.8 per cent for provincial purposes), and, 1.0 per cent for non-residential property owners (0.9 per cent for municipal purposes before the 2018 business tax consolidation and 1.3 per cent for provincial purposes).


How will this impact Calgary households?

A residential property valued at $480,000 can expect an increase of $57.00 on the total property tax bill:

2018 Property Tax
Increase / Decrease
Annual
Municipal portion
$ 16.00
Provincial portion
$ (10.00)
2017 Rebates expire
$ 51.00
TOTAL TAX BILL
$ 57.00

Your property taxes could still go up or down if there was a change in your assessment relative to the city-wide typical per cent change.
 
What's important is how your property value changes compared to the typical property.
 
If your property's year-to-year change in assessment is:
  • Less than the typical change, your property's taxes will decrease.
  • The same as the typical change, your property's taxes will stay about the same.
  • More than the typical change, your property's taxes will increase.

Read more about how property assessment affects your property taxes.


What is The City doing to help non-residential property owners facing large tax increases due to large shifts in market value?

The 2018 Municipal Non-Residential Phased Tax Program (PTP) is a one-year program that was put in place to assist non-residential properties impacted by large shifts in market value. The 2018 PTP phases in the 2018 non-residential property tax increases (municipal portion only) by capping the increase to five per cent of the 2017 municipal taxes. This program uses the same eligibility parameters as the 2017 PTP, however it excludes the 2017 Council Approved Rebates as well as any 2017 PTP credits provided. It is calculated using the actual 2017 municipal non-residential property tax rate of 0.0138819 (per the 2017 Property Tax Bylaw), compared to the 2018 revenue neutral municipal tax rate, adjusted for the Council approved 0.9 per cent tax increase. This is a separate, one-time program and not an extension of the 2017 PTP.

Approximately 7,400 non-residential property owners will benefit from this program with the expectation that the benefits will be passed on to individual businesses/tenants.

Learn more about the Non-Residential Phased Tax Program.

What if I'm having problems paying my taxes?

If you are a residential property owner experiencing financial hardship there are a number of programs offering assistance. Under The City's Property Tax Assistance Program, residential property owners of any age may be eligible for a credit/grant. You can find more information at calgary.ca/ptap, Fair Entry or contacting 311.

For information on programs for seniors such as the Seniors Property Tax Deferral Program, contact the Government of Alberta at 310-0000.


Tax bill

When do I get my tax bill?

Property tax bills are mailed in May and cover the calendar year Jan. 1 – Dec. 31. Property tax bills and account information are not available online.

Property owners who have not received a tax bill by the first week of June can request a copy of the bill. Property taxes must be paid by June 29 to avoid a seven per cent late payment penalty.

You can also change the mailing address that your property tax bill and assessment are sent to.


How do I pay my tax bill?

The City of Calgary offers a variety of property tax payment options to pay The City directly or through your bank. Credit cards cannot be used to pay property tax.

The Tax Instalment Payment Plan (TIPP) is a popular program that allows you to pay your property tax on a monthly basis instead of making one payment in June. Your payment automatically comes out of your chequing account the first day of every month, making paying your property tax easier.

You may join at any time during the year. However, if you join after January 1, there is a filing fee of 2% of the missed instalments.

Have you moved recently? Make sure you update your property roll number when you make a payment through your bank.


When are property taxes due?

You must pay your property taxes by June 29, 2018 to avoid penalties.

A 7% penalty is added to any unpaid tax bill balance after June 29.


I filed a complaint about my assessment with the Assessment Review Board. Do I still have to pay my taxes by June 29?

Yes. If you have filed a complaint against your assessment you must still pay your taxes by the due date to avoid a late payment penalty.

If the Assessment Review Board (LARB or CARB) or Court of Queen's Bench or Municipal Government Board makes a decision on your complaint that results in a lower tax levy, the reduction will be credited to the tax account. Interest will be credited to the account if the tax reduction results in a credit balance. A refund cheque will be issued for accounts with a credit balance greater than $25. (Credits of less than $25 will remain on the account.)


Do I have options other than paying the entire tax bill amount on June 29?

The Tax Instalment Payment Plan (TIPP) is a popular program that allows you to pay your property tax on a monthly basis instead of one payment in June, making budgeting easier.

You may join at any time during the year. However, if you join after January 1, there is a filing fee of 2% of the missed instalments.


Property assessment

Where can I find my property's assessed value

Property assessment notices are mailed in January to all property owners, both residential and non-residential.

You can find the assessed value of your property or any other Calgary property online using Assessment Search. You do not have to log in to search for assessed values, however, for more detailed information (including your previous year's assessment, your tax information and specific property details) you can log into Assessment Search using your City myID account.

For more information on how to use Assessment Search, see the help guides for property owners and business owners.

 
 

How is my property assessed?

Your property assessment notice sent in January is based on your property's market value, the amount it likely would have sold for last July 1st, and improvements to its physical condition as of Dec. 31.

Assessors look at many factors including your property's details such as age, location, lot size, additions or renovations and sales of similar properties in the neighbourhood in the last three years.

Your assessed property value goes through internal checks and balances and a provincial audit before the notice is mailed to you in early January.


What if I don't agree with the assessed value?

If you have any questions or concerns about your assessment, contact Assessment at 403-268-2888 during the Customer Review Period from Jan. 4 to March 12, 2018.

Your assessor may be able to resolve your concerns without the need to file a formal complaint.

Changes can only be made to your 2018 property assessment if you inquire about it during the Customer Review Period.

Changes cannot be made to your tax bill mailed at the end of May.

If you still disagree with your assessment, visit the Assessment Review Board for more information and/or to file a complaint online. Formal complaints with the Assessment Review Board can only be made between Jan. 4 and March 12, 2018.


How does my assessment affect my property taxes?

Your property assessment is used to determine your share of taxes, relative to all properties in Calgary, to meet The City's budget needs.

Once Council has set the tax rate, your assessment is then multiplied by the tax rate and the result is your share of property tax shown on your tax bill.

Assessments are based on the fair market value of your property last July 1. Real estate data on all properties sold in Calgary in the previous three years are analyzed. Your individual assessment comes from the analysis of sold properties in your neighbourhood that are very similar to yours.

Your property tax can change from year to year if your property's assessed value increases or decreases greater than the change in the overall assessment base or if additional revenue is needed by The City to provide services.

You can search for your current property assessment using Assessment Search.

Learn how your property is assessed.


More information

Where can I get more information?

If you have questions about property tax, contact 311.

 


 
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