Support for Property Tax Payers

The Property Tax Assistance program outlines several financial measures to Hamilton property taxpayers and ratepayers dealing with the possible financial hardship caused by the current COVID-19 pandemic. These measures balance the need to provide immediate assistance, while still encouraging those that can make payments to do so, thus ensuring that the City is in a position to meet its financial obligations.

Key highlights about the Property Tax Assistance Program

  • The City of Hamilton is advising all residents that all property tax installment due dates will remain the same, at this time. The 2020 Interim Property Tax Instalment due on April 30th- penalty and interest charges will be waived for a period of 60 days.
    • Taxpayers who are not able to make a payment by the due date of April 30th, will not be charged penalty and interest in May or June on late payments. If the April 30th instalment is not paid by June 30th, it will be subject to penalty and interest starting July 1st. Waiving of penalty and interest is only applicable to this instalment amount, not prior arrears.
    • On May 20th, City Council approved additional assistance whereby if taxpayers enroll in monthly pre-authorized payments prior to June 30th, you can equally distribute your unpaid April 30th instalment in the calculation of your monthly payments from July to December 2020. 

  • The 2020 Final Property Tax Instalment due on June 30th - penalty will be waived for a period of 30 days.
    • Taxpayers who are not able to make a payment by the due date of June 30th, will not be charged penalties in July on late payments. If the June 30th instalment is not paid by July 31st, it will be subject to penalty and interest starting August 1st. Waiving of penalty and interest is only applicable to this instalment amount, not prior arrears.
  • The 2020 Final Property Tax Instalment due on September 30th - penalty and interest charges will not be waived, at this time.
  • Taxpayers currently enrolled in a pre-authorized payment plan, withdrawals will continue as per your respective plan. The City will waive the administrative fee for any returned payments, effective immediately and up to July 31, 2020. The waiving of the administrative fee for returned payments will also apply to returned cheques and other non-property tax payments.
  • The City will also be waiving any penalty and interest charges related to charges added to the tax roll (for example water arrears, property standards, etc.) until July 31, 2020. Any related taxation administrative fee to add charges to the tax roll will also be waived during this same time period.

While Hamilton City Hall and Municipal Service Centres, continue to be closed to the public, there are a number of convenient options available for residents looking to continue to pay their property taxes during this time such as:

  • Pre-authorized debit payment plans
  • Through your financial institution
  • By mail
  • By telephone or online banking

If you require more information, please review our list of Frequently Asked Questions below or contact us at 905-546-2489 or email [email protected].

City of Hamilton Taxpayers Question & Answer (FAQ)


No, at this time, the instalment due dates for the 2020 property taxes will remain unchanged. These instalment due dates are February 28, April 30, June 30 and September 30.


The City will be waiving penalty and interest on the April 30th instalment for 60 days, followed by the waiving of penalty on the June 30th instalment by 30 days. The City is not waiving penalty and interest on the Sept 30th instalment, at this time.

Taxpayers are reminded that the City also offers a number of monthly pre-authorized payment plans.  Taxpayers are encouraged to consider enrolling in one of these payment plans to help spread the payment of the upcoming tax instalments into smaller, more manageable monthly amounts.


The Property Tax Assistance Program is available to all taxpayers – both residential and business properties. All property types will be eligible for the waiving of penalty and interest on the April 30th instalment for 60 days and the waiving of penalty on the June 30th instalment by 30 days. You do not need to apply.


No, the 60-day waiving of penalty and interest on the upcoming April 30th instalment and 30-day waiving of penalty on the upcoming June 30th instalment is meant to provide financial relief as a result of the COVID-19 pandemic. Interest will continue to be charged on prior arrears, as they are not the result of the current pandemic.


No, the pre-authorized payment withdrawals will continue per your respective plan.


If an automatic withdrawal payment is returned as non-sufficient funds (NSF), the bank will automatically attempt the withdrawal a second time within ten (10) business days after the first attempt is returned.  If the second attempt is also returned, the City will be waiving the administrative fee for returned payments effective immediately and up to July 31st, 2020. The City, however, will not be responsible for any fees charged by your financial institution.


Preauthorized withdrawals will proceed as per your respective plan. For taxpayers that can continue to pay, you are encouraged to remain on the pre-authorized payment plan and as such, continue to benefit in equal, more manageable monthly payment amounts. However, if you wish to stop the next withdrawal, you need cancel the plan. Taxpayers can cancel at any time, however, the City requires 2 weeks’ written notice prior to the next scheduled withdrawal date (note that for taxpayers that do not have access to email/internet and cannot mail in their request, verbal cancellations will be temporarily accepted). Effective immediately and up to July 31st, 2020, the city will accept the cancellation of a pre-authorized payment plan 7 business days prior to the next scheduled withdrawal.


The City requires written notice to cancel your pre-authorize payments a minimum of 7 business days prior to the next scheduled withdrawal. You are encouraged to complete and email the cancellation form (PDF, 78 KB) to [email protected].

If you are not able to complete the form, please send an email to [email protected] requesting the cancellation of your pre-authorized payments, ensuring you include your full name, property address, property roll number (as reflected on your latest tax bill) and details of when you would like the City to stop the  pre-authorized withdrawals (for example, my last pre-authorized payment should be made on April 15th – do not make any further withdrawals after April 15th).

Taxpayers that do not have access to the internet or email, can mail a letter or send a fax (905-546‐2449) requesting the cancellation of your pre-authorized payments, ensuring you include all the same pertinent information.  If mailing the cancellation request, please ensure you provide adequate time, as the City needs to be in receipt of the request a minimum of 7 business days prior to the next scheduled withdrawal.

As an exception, for taxpayers not able to cancel their pre-authorized payments via any of the methods identified above, they City will temporarily accept verbal requests to cancel their pre-authorized payments by calling 905-546-CITY (2489).

You can enroll in pre-authorized payments at any time for upcoming property tax instalments. Property taxes must be current. However, if you apply before June 30, 2020 for monthly withdrawals commencing in July 2020, you can include the past due April 30th instalment in the calculation of monthly payments for the remainder of this year.

For monthly preauthorized payments on the first of the month, commencing in July (6 equal payments July 1 to December 1; or 5 equal payments July 1 to November 1) you need to submit the completed and signed application form by June 22, 2020 at the latest. Applications are currently being accepted  - you are encouraged to apply well in advance of the due date.

For monthly preauthorized payments due on the 15th day of the month, commencing in July (6 equal payments July 15 to December 15) you need to submit the completed and signed application form by June 30, 2020 to avoid penalty and interest charges, if the April 30th instalment is still outstanding. If you have paid the April 30th instalment in full, you need to submit the completed and signed application form by July 6, 2020 at the latest. Applications are currently being accepted  - you are encouraged to apply well in advance of the due date.

Complete the Pre-authorized Plan Application form (PDF, 16.7 KB)


Mortgage companies will also benefit from the 60-day waiving of the penalty and interest on the April 30 instalment and 30-day waiving of penalty on the June 30th instalment. As property tax payments are received directly from the Mortgage company, the City has no control on how this benefit is then passed onto the taxpayer.


All cheques received by the City of Hamilton will be cashed as they come due. If the cheque is returned as non-sufficient funds (NSF), the City will waive the administrative fee for returned payments effective immediately and up to July 31st, 2020. The City, however, will not be responsible for any fees charged by your financial institution.


Taxpayers can request that their cheque be pulled and not processed, however the City requires 2 weeks’ notice prior to the date the cheque will be cashed. Effective immediately and up to July 31st, 2020, the city will accept requests to pull post-dated cheques 7 business days prior to the day the cheque will be cashed.


The Property Tax Assistance Program approved by Council provides assistance to taxpayers dealing with the possible financial hardship caused by the current covid-19 pandemic. The Property Tax Assistance Program does not defer or waive property taxes.  The 2020 property tax due dates remain unchanged. Effectively, the Property Tax Assistance Program provides those experiencing financial difficulties with an extra 60 days to pay the April 30th instalment and an extra 30 days to pay the June 30th instalment, without incurring related penalty and interest charges. 

The City of Hamilton does have two tax deferral programs only for low-income seniors and low-income persons with disability – full deferral and deferral of tax increase. The full deferral program is a 3-year pilot started in 2018, which allows for low-income seniors and low-income persons with disability to defer the full amount of property taxes (subject to interest) until the property is sold. The 2020 Low Income Seniors & Persons with Disability Full Deferral of Property Tax Program (PDF, 129 KB) requires proof of 2019 income.


Although you currently cannot pay your property taxes in person, due to municipal facilities being closed, there are still several options to pay:

  • By telephone or online banking: payee should be HAMILTON (CITY) – TAXES and the account number should be the first 11 digits of your property roll number, as identified on the top left-hand corner of your latest property tax bill. The roll number is tied to the property, not the property owner – please ensure you are using the correct roll number from your latest property tax bill to ensure your payment will be applied to the correct property.  If you own multiple properties, you need to set-up and pay each one separately, as each will have their own unique roll number.
  • At the bank: use the tax stub from your latest tax bill and request the bank teller confirm the account number they are paying agrees to the first 11 digits of your property roll number, as identified on the top left-hand corner of your latest property tax bill. If you own multiple properties, the teller needs to pay each one separately, as each will have their own unique roll number.
  • Pre-authorized payment plans: The City of Hamilton offers five pre-authorized debit payment plan options. There are no administration fees or extra charges for taxpayers to join any of these plans. Complete the Pre-authorized Plan Application form (PDF, 16.7 KB) and along with a void cheque, fax to 905-546-2449 or submit by mail.
    • 12-Month Plan – on the 1st of the month, January to December inclusive
    • 12-Month Plan – on the 15th of the month, January to December inclusive
    • 10-Month Plan – on the 1st of the month, February to November inclusive
    • Instalment Plan – on the instalment due dates
    • 12-Month Arrears Plan – on the last working day of the month, January to December inclusive
  • By mail: Make your cheque payable to the City of Hamilton. Include the roll number on the front of the cheque and include the relevant stub(s) with your cheque. Mail your cheque to:
    City of Hamilton
    Corporate Services, Taxation Division
    71 Main Street West
    PO Box 2040 STN LCD 1
    Hamilton, Ontario L8N 0A3