# Kingston Property Tax for Seniors, 2026 | ReverseMortgageKingston.ca

> Kingston property tax in 2026: rates by fire area, the $5,113 average bill, due dates and the City's $1,000 deferral for seniors. Free estimate, no pressure.

URL: https://reversemortgagekingston.ca/guide/kingston-property-tax-seniors/

Taxes and bills · Decision Guide

# Kingston Property Tax for Seniors: Rates, Due Dates and Help in 2026

The 2026 rates, the due dates, and every City and Ontario program that can lower the bill, with what each one means for your home later.

Dominion Lending Centres Homestead Financial · Updated October 16, 2026 · 6 min read

## Key points

-   **The 2026 residential rate is 1.605435% in the Central fire area**, 1.533257% in the West and 1.491279% in the East, or about $1,491 to $1,605 for every $100,000 of assessment. ([City of Kingston, By-law 2026-54](https://www.cityofkingston.ca/bylaws-and-animal-services/commonly-requested-bylaws/bylaw-library/tax-levy-bylaw-2026/))
-   **The average Kingston residential bill is $5,113 for 2026**, up $179 or 3.6% from 2025. ([City of Kingston 2026 final tax bill insert](https://www.cityofkingston.ca/media/dthdjxw5/finance-guide-finalpropertytaxbill2026.pdf))
-   **The City's Tax Deferral Program postpones up to half the bill, to a maximum of $1,000 a year**, for owners 65 and older on GIS or owners on ODSP. A lien is registered and repaid when the home is sold. ([City of Kingston tax assistance](https://www.cityofkingston.ca/property-taxes/tax-assistance-and-rebates/))
-   **Ontario adds up to $500 a year** through the Senior Homeowners' Property Tax Grant, for owners 64 and older with lower incomes. ([Ontario](https://www.ontario.ca/page/senior-homeowners-property-tax-grant))

Kingston property tax for 2026 is 1.491279% to 1.605435% of assessed value, depending on the fire area, and the average residential bill is $5,113. Owners 65 and older on the Guaranteed Income Supplement can defer up to $1,000 a year or claim a $100 credit, and Ontario adds a grant and a tax credit.

[Find out what your own Kingston home could provide](/estimate/), free and without sales pressure, before reading on.

**About this guide and its Kingston numbers**

Dominion Lending Centres Homestead Financial, an Ontario mortgage brokerage (licence #11711), publishes this page. Richard Hopkins, Mortgage Broker (licence M16000896), compares every reverse mortgage lender in Canada for Kingston homeowners.

Every figure is linked to its source, and the complete list is at the end. Numbers were last checked on October 16, 2026. No lender reviewed or paid for this page.

In this guide

1.  [What is the Kingston property tax rate in 2026?](#what-is-the-kingston-property-tax-rate-in-2026)
2.  [How much is the average property tax bill in Kingston?](#how-much-is-the-average-property-tax-bill-in-kingston)
3.  [When are Kingston property taxes due in 2026?](#when-are-kingston-property-taxes-due-in-2026)
4.  [What property tax help does Kingston offer seniors?](#what-property-tax-help-does-kingston-offer-seniors)
5.  [What Ontario tax credits can Kingston seniors claim?](#what-ontario-tax-credits-can-kingston-seniors-claim)
6.  [When is the City’s deferral enough, and when does a reverse mortgage fit?](#when-is-the-citys-deferral-enough-and-when-does-a-reverse-mortgage-fit)

[ReverseMortgageKingston.ca](/) sets out the 2026 Kingston property tax figures that matter to owners aged 65 and older, with each number linked to the City or the province. Most people looking this up want the bill, the due dates, and the help available.

The challenge is not usually finding the rate. It is knowing which help program fits, and what each one leaves owing against the home later.

The things to weigh are your own bill, the City’s programs, two Ontario credits, and whether a bigger change is needed. This page explains each one, then when a reverse mortgage may fit better.

## What is the Kingston property tax rate in 2026?

The 2026 residential rate in Kingston is 1.605435% in the Central fire area, 1.533257% in the West and 1.491279% in the East, set by [By-law 2026-54](https://www.cityofkingston.ca/bylaws-and-animal-services/commonly-requested-bylaws/bylaw-library/tax-levy-bylaw-2026/). That comes to about $1,605, $1,533 and $1,491 for every $100,000 of assessed value.

| Fire area | 2026 residential rate | Tax per $100,000 of assessment |
| --- | --- | --- |
| Central | 1.605435% | $1,605.44 |
| West | 1.533257% | $1,533.26 |
| East | 1.491279% | $1,491.28 |

Only the fire part of the rate differs by area. Condos don’t pay the small garbage part.

For example, a $300,000 assessment in the Central fire area means about $4,816 of tax for 2026.

### Your assessment still uses 2016 values

Kingston’s 2026 assessments are still based on values from January 1, 2016, as the [City’s final bill insert](https://www.cityofkingston.ca/media/dthdjxw5/finance-guide-finalpropertytaxbill2026.pdf) states. The assessed value on your bill is not what the home would sell for today. To see recent selling prices, read [Kingston home prices in 2026](/guide/kingston-home-prices/).

## How much is the average property tax bill in Kingston?

The average residential bill in Kingston is $5,113 for 2026, up $179 or 3.6% from $4,934 in 2025, according to the [City’s final bill insert](https://www.cityofkingston.ca/media/dthdjxw5/finance-guide-finalpropertytaxbill2026.pdf). Municipal services make up $3,104, external agencies such as police $1,231, the County of Frontenac $276, and education $502.

The County amount pays Kingston’s part of Frontenac Paramedics and Fairmount Home for the Aged, a home operated by the County in Glenburnie described in the guide to [long-term care in Kingston](/guide/long-term-care-kingston/). The bill also lists a levy for the University Hospitals Kingston Foundation.

## When are Kingston property taxes due in 2026?

Kingston’s 2026 interim bill was due February 27, 2026, and equalled half of the 2025 taxes. The [final bill was due June 30, 2026](https://www.cityofkingston.ca/news/posts/final-property-taxes-for-2026-are-due-on-june-30/), in one instalment. If you want smaller amounts, you can join the City’s Pre-authorized Payment Plan, which collects the year’s taxes in 10 monthly instalments.

The City’s [interim bill insert](https://www.cityofkingston.ca/media/1mgdg1hv/propertytax_2026_interimtaxinsert.pdf) notes that some banks no longer pay property taxes through mortgages. The dates for the rest of the year are in [fall 2026 dates for Kingston homeowners](/blog/fall-2026-dates-kingston-homeowners/).

Late taxes collect interest of 1.25% a month, or 15% a year, from the first day of each month after the due date ([By-law 2026-54](https://www.cityofkingston.ca/bylaws-and-animal-services/commonly-requested-bylaws/bylaw-library/tax-levy-bylaw-2026/)). A deferral, unlike arrears, is agreed with the City in advance.

## What property tax help does Kingston offer seniors?

The City of Kingston offers three programs to eligible owners: a Tax Deferral Program of up to $1,000 a year, a $100 Senior’s Property Tax Credit, and a Tax Increase Deferral ([City of Kingston tax assistance](https://www.cityofkingston.ca/property-taxes/tax-assistance-and-rebates/)). Each needs an application by April 30, and you can use only one program in a year.

### The Tax Deferral Program: up to $1,000 a year

You can defer up to 50% of the yearly property tax, to a maximum of $1,000 a year. The rest is paid on the normal due dates.

To qualify, you must be 65 or older and receive the Guaranteed Income Supplement (GIS), or receive the Ontario Disability Support Program (ODSP). The home must be your principal residence, owned for at least one year before you apply.

The deferred amount is not forgiven. The City charges interest on it and registers a lien (a legal claim) on the property, repaid when the home is sold, as the [application form](https://cityofkingston.ca/media/ahdki4h0/clerks_form_tax-deferral-program-application.pdf) explains. You reapply each year by April 30.

For example, half of the average 2026 bill of $5,113 is $2,556.50. The $1,000 cap applies, so the owner still pays $4,113 that year.

### The $100 Senior’s Property Tax Credit

The credit takes $100 off the bill. It is for owners 65 and older receiving GIS, with yearly taxes over $600, who live in the home and have owned it for at least a year. It can’t be combined with the deferral.

### The Tax Increase Deferral

This program postpones tax increases caused by reassessment, with the same eligibility. Since 2026 assessments still use 2016 values, reassessment increases are small right now.

## What Ontario tax credits can Kingston seniors claim?

Two Ontario programs add to the City’s help. Ontario’s [Senior Homeowners’ Property Tax Grant](https://www.ontario.ca/page/senior-homeowners-property-tax-grant) gives owners aged 64 and older with lower incomes as much as $500 a year. The [Ontario Energy and Property Tax Credit](https://www.canada.ca/en/revenue-agency/services/child-family-benefits/provincial-territorial-programs/ontario-energy-property-tax-credit-questions-answers.html) pays seniors up to $1,488 for July 2026 to June 2027.

Both are claimed through your income tax return. The full grant goes to a single person with adjusted family net income of $35,000 or less, or a couple at $45,000 or less. It phases out at $50,000 and $60,000. Neither program is paid back.

## When is the City’s deferral enough, and when does a reverse mortgage fit?

The City’s deferral is often enough when one tax bill is the only problem and you qualify through GIS or ODSP. A reverse mortgage may fit when property tax is one of several costs that have outgrown your income, such as a mortgage, debts or [home repairs](/home-repairs-kingston/). Each choice leaves a debt against the home.

### When the deferral may be enough

-   The rest of your budget is fine, and only the tax bill is tight.
-   $1,000 a year closes the gap.

### When a reverse mortgage may fit better

A reverse mortgage lets homeowners 55 and older borrow against the home with no required monthly mortgage payments. You don’t need GIS to qualify. [What a reverse mortgage costs in Kingston](/guide/reverse-mortgage-cost-kingston/) explains the fees and the interest.

Property tax is still yours to pay. Keeping taxes paid is a condition of every reverse mortgage, along with home insurance and upkeep. You can set aside part of the money for future tax bills.

### A deferral is paid off at closing

A City deferral is a lien on the home. Any mortgage, lien or tax owing on the home is paid off at closing, so a deferred balance is repaid out of the reverse mortgage money on closing day. From then on, you pay the taxes as usual.

Richard Hopkins, Mortgage Broker, compares every reverse mortgage lender in Canada. You then receive the best deal for your home and goals by email, with a recommendation built on your situation, even if that turns out not to be a reverse mortgage. The [ten-question reverse mortgage assessment](/tools/reverse-mortgage-assessment/) is a quick first check of fit.

## What it comes down to

The City's programs help most when the tax bill is the only strain and you qualify through GIS or ODSP. When the bill is one of several rising costs, the [Kingston reverse mortgage calculator](/tools/reverse-mortgage-calculator-kingston/) shows the most your home could provide at your age.

To see the figures for your own house, [get a free Kingston estimate](/estimate/). It costs nothing, and there's no sales pressure.

## Other questions Kingston readers ask

**Can you get a reverse mortgage if you've deferred Kingston property taxes?**

Yes. The deferred amount is a lien on the home, so it's paid off from the reverse mortgage money at closing, along with any mortgage still owing. After closing, you pay the property taxes yourself as usual, because keeping them paid is a condition of every reverse mortgage.

**Does a reverse mortgage pay your Kingston property taxes for you?**

No. Property tax, home insurance and upkeep stay your responsibility. There are no required monthly mortgage payments, and you can set aside part of the money for tax bills, or pay them through the City's 10-month pre-authorized plan.

**Can you use the Kingston tax deferral and the $100 senior credit in the same year?**

No. The City lets eligible seniors use only one of its three programs: the deferral of up to $1,000, the $100 credit, or the Tax Increase Deferral. Each one needs a new application by April 30 of the tax year.

[

Where this leads

Kingston reverse mortgages

What a Kingston home could provide at your age, what it costs, and how every lender in Canada gets compared for you, free.

](/)

## Keep reading: more Kingston guides

-   [Kingston Home Prices in 2026 and What They Mean for a Reverse Mortgage](/guide/kingston-home-prices/)
-   [What Does a Reverse Mortgage Cost in Kingston?](/guide/reverse-mortgage-cost-kingston/)
-   [Long-Term Care in Kingston: Costs, Waiting Lists and Paying for It](/guide/long-term-care-kingston/)
-   [Downsizing in Kingston: What Selling and Moving Really Cost](/guide/downsizing-in-kingston-cost/)

[Send this Kingston guide to someone in your family](mailto:?subject=Kingston%20Property%20Tax%20for%20Seniors%3A%20Rates%2C%20Due%20Dates%20and%20Help%20in%202026&body=This%20Kingston%20page%20might%20be%20useful%3A%20https%3A%2F%2Freversemortgagekingston.ca%2Fguide%2Fkingston-property-tax-seniors%2F) . Your browser's Print command makes a paper copy for the kitchen table.

## Sources

Figures checked October 16, 2026.

1.  [City of Kingston: 2026 Tax Levy By-law (By-law 2026-54)](https://www.cityofkingston.ca/bylaws-and-animal-services/commonly-requested-bylaws/bylaw-library/tax-levy-bylaw-2026/)
2.  [City of Kingston: 2026 final property tax bill insert](https://www.cityofkingston.ca/media/dthdjxw5/finance-guide-finalpropertytaxbill2026.pdf)
3.  [City of Kingston: 2026 interim property tax bill insert](https://www.cityofkingston.ca/media/1mgdg1hv/propertytax_2026_interimtaxinsert.pdf)
4.  [City of Kingston: Final property taxes for 2026 are due on June 30](https://www.cityofkingston.ca/news/posts/final-property-taxes-for-2026-are-due-on-june-30/)
5.  [City of Kingston: Tax assistance programs](https://www.cityofkingston.ca/property-taxes/tax-assistance-and-rebates/)
6.  [City of Kingston: Tax Deferral Program application form](https://cityofkingston.ca/media/ahdki4h0/clerks_form_tax-deferral-program-application.pdf)
7.  [Ontario: Senior Homeowners' Property Tax Grant](https://www.ontario.ca/page/senior-homeowners-property-tax-grant)
8.  [Canada Revenue Agency: Ontario Energy and Property Tax Credit questions and answers](https://www.canada.ca/en/revenue-agency/services/child-family-benefits/provincial-territorial-programs/ontario-energy-property-tax-credit-questions-answers.html)

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Free reverse mortgage estimate (no sales pressure): https://reversemortgagekingston.ca/estimate/

Operated by Dominion Lending Centres Homestead Financial, a mortgage brokerage licensed by the Financial Services Regulatory Authority of Ontario, brokerage licence #11711. Independently Owned and Operated. ReverseMortgageKingston.ca is a website of Dominion Lending Centres Homestead Financial, not a separate brokerage. Richard Hopkins, Mortgage Broker, licence M16000896.