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Property tax - frequently asked questions

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

Budget and property tax rates


Where do my property tax dollars go?

The funds collected through property tax are generally split between the Alberta Government and The City. About 65% of all residential property taxes will go towards City services while about 35% 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 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 in 2021?

It is a 1.75 per cent decrease to the municipal residential property tax rate and a 2.84 per cent decrease to the municipal non-residential tax rate before Business Tax Consolidation (BTC), which translates into a decrease of 2.16 per cent after BTC.

This incorporates the:

  • Council approved overall municipal tax rate decrease of 1.77 per cent, excluding the BTC portion that was frozen per PFC2012-35 approved on 2012 April 09.
  • The application of $6.3 million from unused 2020 tax loss provision to the 2021 provision approved in the Mid-Cycle Adjustments.
  • Council approved rebate in 2021 to residential taxpayers sufficient to bring the typical single residential home to a 0 per cent increase in net municipal property tax payable in 2021.

As a result, the typical single residential homeowner with a 2021 median assessment of $445,000 will see their municipal portion of their property tax bill unchanged at $2,145 per year ($179 per month) after the 2020 and 2021 Council rebate.

Excluding the impact of assessment changes and PTP rebates, and after BTC, non-residential taxpayers will see a municipal decrease of $337 per $1 million of assessed value annually ($28 per month) after the 2020 Council rebate.

View current property tax rates.

Learn how The City determines the property tax rate.​​​​

What is the combined municipal and provincial property tax rate increase in 2021?

For the typical single-family homeowner with a 2021 median assessment of $445,000, the combination of the municipal and provincial changes results in a combined decrease of:

  • 2.85 per cent or $97 per year ($8 per month) before the Council rebate; and
  • 2.92 per cent or $99 per year ($8 per month) after the Council rebate.

Excluding the impact of assessment changes and PTP rebates and the 2019 catch-up credit no longer applied, non-residential taxpayers will see a combined change as presented below:

  • A decrease of 0.42 per cent or $80 per $1 million of assessed value annually ($7 per month) before the 2020 Council rebate.
  • An increase of 0.66 per cent or $125 per $1 million of assessed value annually ($10 per month) after factoring in the Council rebate received by non-residential property owners in 2020.

How will this impact Calgary households?

Over 77% of homes will see a reduction or no change in their 2021 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 each year. 

Calgarians can go to calgary.ca/taxcalculator and enter their property assessment to get an estimate of what their property tax bill is before it is mailed in late May. The calculator can also show their year-to-year tax change, as well as a breakdown of where their residential tax dollars are being spent. 

For information and examples on factors that impact your property tax bill, visit the Assessment and Tax bill page.

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, calgary.ca/fairentry or by calling 311 or 403-268-CITY (2489) if calling from outside Calgary.

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

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. Go to calgary.ca/propertytax for important information you need to know as a residential or non-residential property owner seeking tax relief due to the COVID-19 pandemic.​

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.

You can also change the mailing address​ for your property tax bill and assessment notice.​​

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.

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?

Property taxes are due June 30, 2021.

A 3.5% penalty is added to any unpaid tax bill balance after July 1.​​

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. Go to calgary.ca/propertytax​ for important information you need to know as a residential or non-residential property owner seeking tax relief due to the COVID-19 pandemic.

I filed a complaint against my assessment with the Assessment Review Board. Do I still have to pay my taxes by the due date?

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 is credited to the tax account. If this tax reduction results in a credit balance, interest is paid on the municipal portion. A refund cheque is 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 30?

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.

Property assessments


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.

If my property’s assessed value increases, decreases or stays the same, will my tax bill change at the same rate?

The increase or decrease you’ll see in your property tax bill is based on your year-to-year assessment change related to the overall market change and the change in the tax rate. Even if the yearly tax rate and your year-to-year assessment remains unchanged, it doesn’t mean the portion of taxes you pay will also remain unchanges.

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.

As a result of the 2021 assessment, the overall market change in residential is minus 2 per cent and non-residential is minus 6 per cent. If your property’s approximate year-to-year per cent change in assessment is:

  • Less than the overall change: That property’s revenue neutral taxes will decrease.
  • The same as the typical per cent change: That property’s revenue neutral taxes will stay about the same.
  • More than the typical per cent change: That property’s revenue neutral taxes will increase.

The tax Calculator, available online at calgary.ca/taxcalculator, factors in the estimates your property tax taxes before Council approves the budget and the property tax bylaw, and your actual taxes once the budget and tax rate is approved.

You can search for your current property assessment using Assessment Search. Learn how your property is assessed.​​

Where can I find more frequently asked questions and answers on Property Assessment?

You will find a link to the Property Assessment Frequently Asked Question page and a whole lot more on calgary.ca/assessment

 

Where can I get more information?


If you have questions about property tax, contact 311.

Didn't see the question you were looking for? Visit our Property Assessment frequently asked questions page for more info.

 

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