Caledon property tax is a single bill made up of three separate levies: one for the Town of Caledon, one for the Region of Peel, and one for Ontario’s public education system. Bills are issued twice a year (an interim bill and a final bill) with four installments due on the first Thursday of March, May, July, and September.1Town of Caledon. Pay Your Taxes For 2026, the average total residential increase across Peel Region is 3.36 percent.2Peel Region. What the Budget Means to You
How Your Bill Is Calculated
Two numbers determine what you owe: the assessed value of your property and the combined tax rate. Multiply them and you get the year’s total.
The Town of Caledon portion pays for local services such as road maintenance, parks, recreation, fire protection, and municipal administration. Caledon is policed by the Ontario Provincial Police rather than Peel Regional Police, so OPP costs sit inside the Town’s share rather than the Region’s.3Peel Region. 2026 Budget Overview
The Region of Peel portion funds broader infrastructure. The 2026 regional budget puts nearly $2 billion in capital spending toward water transmission, wastewater collection, and treatment facilities, alongside social services, long-term care, and regional roads.2Peel Region. What the Budget Means to You
The education portion is set by the Province of Ontario and collected by the municipality on the Province’s behalf. Ontario sets a uniform residential education tax rate so local property wealth does not create funding gaps between school districts.4Ontario.ca. O. Reg. 400/98 Tax Matters – Rates for School Purposes That rate has been essentially flat in recent years.
What MPAC Values Your Home At
The Municipal Property Assessment Corporation (MPAC) assesses every property in Ontario using a standard valuation model. The current valuation date is January 1, 2016, and it has been frozen since the Province postponed the reassessment that was originally due after the 2021–2024 cycle.5Municipal Property Assessment Corporation. Notices and Notifications Your assessed value reflects what MPAC believes your property was worth in January 2016, not what it would sell for today. Renovations, additions, or a change in use can still trigger an updated assessment outside the normal cycle.
What’s Changing in 2026
The 3.36 percent average residential increase across Peel Region for 2026 breaks down as 1.77 percent from policing costs, 1.53 percent from Peel Region services, and 0.06 percent from other agencies.2Peel Region. What the Budget Means to You Utility rates for water, sewer, and stormwater are rising 7.8 percent on top of the property tax increase to fund infrastructure work.
Caledon’s own share of the rate is set through the Town’s annual budget process. Because Caledon uses the OPP, its policing cost structure differs from Brampton or Mississauga, where residents fund Peel Regional Police. The Town publishes the final combined rates each year once the budget is approved.
When Payments Are Due and How to Pay
Installments are due on the first Thursday of March, May, July, and September.1Town of Caledon. Pay Your Taxes The March and May payments make up the interim bill, calculated from a percentage of the prior year’s total so the Town has operating funds before the new rates are finalized. The July and September payments make up the final bill, using the actual rate adopted for the current year and adjusting for any difference from the interim estimate.
You can pay through online or telephone banking, mail a cheque, or use the secure drop box at the municipal offices. Payments count as received only when the treasury department processes them, so allow several business days if you are mailing. Keep digital confirmations or cancelled cheques in case there is ever a question about timing.
If you just bought your home, tell the Town’s tax office promptly after closing so the account is updated. Your lawyer does not do this automatically, and a bill sent to the previous owner is not a valid reason to avoid a late penalty.
Pre-Authorized Payment Plans
If four separate due dates feels like too much to track, the Town offers two automatic-withdrawal options:1Town of Caledon. Pay Your Taxes
- A 10-month plan with withdrawals from January through October, on either the 1st or the 15th of the month. Payments through the year use the prior year’s taxes divided by 10 until the final bill is issued, at which point the remaining months are recalculated using the current year’s actual taxes minus what you have already paid.
- A 4-installment plan with automatic withdrawals on the same four due dates that appear on your interim and final bills.
If a scheduled withdrawal lands on a weekend or statutory holiday, the payment runs on the next business day.
What Late Payment Costs You
Missing a due date triggers a 1.25 percent penalty the day after the deadline, and another 1.25 percent is added on the first day of each month the balance is still outstanding.6Town of Caledon. Late Payment Charges On a $5,000 installment, the next-day penalty alone is $62.50, and the meter keeps running every month.
The Town does not waive penalties because a bill went to the previous owner or your bank delayed the transfer. The current owner is responsible either way.
If taxes stay unpaid long enough, the Town can register a tax arrears certificate against your property’s title under the Municipal Act, 2001. Once that certificate is registered, you have either one year or 90 days (depending on the property type) to pay the full cancellation price before the property is advertised for public sale.7Ontario.ca. O. Reg. 181/03 Municipal Tax Sales Rules Tax sales are rare, but even the arrears certificate clouds your title for any future sale or refinancing. Call the tax office early if you are falling behind; setting up a payment plan is far cheaper than the alternatives.
Challenging Your Assessed Value
Before doing anything else, ask yourself whether your property could have sold for the assessed amount on January 1, 2016. That is the date MPAC uses, so today’s market is not the benchmark.8Municipal Property Assessment Corporation. How to File a Request for Reconsideration (RfR)
Request for Reconsideration
For residential, farm, and managed-forest properties, the first step is a Request for Reconsideration filed directly with MPAC. You can submit one through MPAC’s AboutMyProperty portal or by mail. MPAC reviews comparable sales, confirms property details, and notifies you in writing, usually within 180 days with a possible 60-day extension.8Municipal Property Assessment Corporation. How to File a Request for Reconsideration (RfR) If MPAC agrees, it adjusts the valuation and tells the Town to recalculate your taxes.
Log in to AboutMyProperty and compare your assessment to nearby properties of similar size, age, and features before you file. A strong case rests on comparable properties assessed lower, or on MPAC having wrong information about your lot size, square footage, or building characteristics. Correcting factual errors is the fastest route to a reduction.
Assessment Review Board Appeal
If the RfR result still does not satisfy you, the next step is an appeal to the Assessment Review Board, an independent tribunal under the Ontario Ministry of the Attorney General. You have 90 days from the date MPAC notifies you of the RfR result.8Municipal Property Assessment Corporation. How to File a Request for Reconsideration (RfR) Commercial and industrial properties are not required to file an RfR first; their direct filing deadline with the ARB is March 31 of the taxation year.9Tribunals Ontario. Filing an Appeal
Relief Programs
Low-Income Seniors and Persons With Disabilities
Ontario runs a property tax deferral program for low-income seniors aged 65 and older and low-income persons with disabilities. Qualifying homeowners can postpone a portion of their annual tax bill. Applicants must give the municipal tax office proof of age, income, and disability status, and reapply each year. The deferred amount stays as a charge against the property. Income thresholds are set by provincial regulation and change from time to time, so confirm the current year’s requirements with the Town or the provincial forms portal.
Rebate for Registered Charities
Registered charities that occupy commercial or industrial property in Peel Region can apply for a rebate equal to 40 percent of their property taxes, covering the local, regional, and education portions.10Region of Peel. Property Tax Rebate Program The organization needs a valid CRA registration number and must actually occupy the property it is claiming the rebate on.11Town of Caledon. Tax Rebates Residential properties do not qualify, and late applications are not accepted.