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Assessment & Tax Bill

Assessment & Tax Bill

​​​Your property tax bill is based on the budgetary needs of The City (municipal tax) and the province (provincial tax) multiplied by the portion allocated to you. Your portion is determined by the value of the property you own in Calgary, which is your property assessment.

My assessment went down, so my taxes should also go down?

Unfortunately, no. The portion of property tax you’re responsible for doesn’t change from year to year, even if your assessment increased or decreased from the previous year. The change in your portion is based on your assessed value in relation to the overall market change in Calgary.

Understanding typical market change in Calgary​

Regardless if your portion changes or not, several other factors impact your tax bill.

Estimate your tax bill using our property calculator. This helpful tool walks you through the tax equation line-by-line.

Learn more about how property taxes are calculated here.

Understanding the typical market change in Calgary

In 2020, the overall market change in residential market is negative four per cent and on the non-residential side it is plus two per cent.

 

If your property’s approximate year-to-year per cent change in assessment is:

Less than the typical per cent change (-4%): The portion of taxes owed will decrease.

The same as the typical per cent change (-4%): The portion of taxes owed will stay the same.

More than the typical per cent change (-4%): The portion of taxes owed will increase.

The median or typical residential home value in Calgary for 2020 is $455,000

Last year the typical home was assessed at $475,000. That means it dropped by $20,000 or approximately four per cent. That is where the negative four per cent for the residential market change comes from as described above.

What does this mean to the tax allocated to me?

  • The portion of the tax allocated to you would stay the same in 2020, if your home assessed value dropped by minus four per cent. 
  • The portion of taxes allocated to you would increase by four per cent in 2020, if your assessed value stayed the same (zero change).

This is the difference between the typical market change of minus four per cent and your zero change. The residential market change is only one factor that might impact your tax bill and does not account for increases in Municipal and Provincial tax.

Property tax bills include a municipal and provincial portion

The amount you see on your property tax bill include both a municipal and a provincial portion. For residential taxpayers, this amounts to approximately 63 per cent for municipal services such as police, fire, transit, streets and parks, while 37 per cent of the amounts collected are sent to the province. These two portions are calculated using a different rate. The annual property tax bill arriving this June shows a separate line for municipal and provincial tax and combines them together to show your total amount owed. The provincial tax rate is set by the province and all the provincial tax revenue is remitted to the province.

Municipal tax increase

The residential municipal tax rate increased from last year by approximately 7.5 per cent. This is made up of:

  • A 0.75 per cent increase because of the reductions in fine revenue, biological testing cannabis tax revenues, and grant adjustments in the October 2019 and 2020 provincial budgets.
  • A 6.76 per cent increase because of a shift in tax responsibility​ from non-residential tax payers to residential tax payers.

Provincial tax increase

During the world-wide COVID-19 pandemic, the province announced immediate funding to support Albertans, including freezing 2020 Education property tax rates at 2019 levels – reversing the 3.4 per cent it added in February's 2020 Budget.

With new equalized assessment provided by the Province, the provincial property tax portion for 2020 will still increase by 7.55 per cent on residential properties to recover the balance of the 2019 provincial education requisition that was underestimated due to the delay in the province releasing their budget. This will result in an increase of approximately $90 a year for the typical home in Calgary.

What does this mean for a typical home in Calgary?

Using the $475,000 typical home from last year, if the assessment dropped by the overall market change (minus four per cent) it would come down to $455,000 this year. Its portion of tax allocated to it would not change. But their tax bill will still increase to account for the expanded budget requirements of the municipal and provincial governments.

The property tax bill in this case will increase by approximately $20 a month or $240 a year after the 1.5 per cent Municipal tax rebate. An estimated breakdown on those amounts is as follows:

The City of Calgary

  • $135 more per year as a result of a shift in tax responsibility from non-residential tax payers to residential tax payers.
  • $15 more a year as a result of the reductions in fine revenue, biological testing, cannabis tax revenue and grant adjustments in the October 2019 provincial budget.

The Government of Alberta

  • $53 more a year to recover the balance of the 2019 provincial education requisition that was underestimated due to the delay in the provincial budget.
  • $37 more a year due to an increase in provincial equalized assessment on residential properties.

Can I get an estimate of my 2020 property tax bill?

Yes. You can use the property calculator on Calgary.ca/assessment to get an estimate of what your bill will be. It breaks down all the factors that go into the amount you see on your tax bill. Note that the calculator can only provide you with an estimate.

The 2020 property tax will be mailed at the end of May and due by June 30. The City of Calgary is supporting citizens and businesses in response to the COVID-19 pandemic. Council approved municipal property tax relief measures that support taxpayers facing financial hardship. Visit calgary.ca/propertytax for information on tax relief as well as how paying your property tax by the due date helps fund essential City services Calgarians rely on.

But knowing an estimate of what your bill will be can help you prepare and budget for the year.

What if I have questions regarding my property assessment?

City staff are available to assist you with your tax or assessment questions. Visit the tax contact page and assessment contact page ​for a list of ways you can get assistance.  

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