Ontario Senior Homeowners' Property Tax Grant Calculator

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You could receive a

$500

Ontario Senior Homeowners' Property Tax Grant

Note: The grant amount cannot exceed the property tax paid.

What is the Ontario Senior Homeowners' Property Tax Grant (OSHPTG)?

The Ontario Senior Homeowners' Property Tax Grant is a subsidy for home owners. It is designed to assist low-to-moderate-income seniors with the cost of their Ontario property taxes. This grant provides up to $500 annually to eligible seniors, helping to alleviate some of the financial pressure of homeownership.

By reducing the burden of property taxes, seniors can allocate their resources toward other essential expenses, such as healthcare, home maintenance, and daily living costs.

How Much Can I Receive?

The Ontario Senior Homeowners' Property Tax Grant pays up to $500 annually to eligible seniors. The amount you receive from the OSHPTG depends on your adjusted family net income, which excludes any universal child care benefit (UCCB) and registered disability savings plan (RDSP) income received.

Ontario Senior Homeowners' Property Tax Grant Amount

The grant is reduced by 3.33% of your income over a certain income limit.

For Singles, Divorced, or Widowed Seniors:

• If your income exceeds $35,000, your grant will be reduced by 3.33% of your income over $35,000.

For Married or Common-Law Couples:

• If your combined income exceeds $45,000, your grant will be reduced by 3.33% of your income over $45,000. Only one person per couple can receive this grant.

Eligibility Criteria for OSHPTG

To qualify for the OSHPTG, you or your spouse/common-law partner must meet the following criteria as of December 31 of the previous year:

Age Requirement:

• You must be 64 years of age or older.

Homeownership:

• You must own and occupy your principal residence in Ontario.

Residency:

• You must be a resident of Ontario.

Income:

• If single, divorced, or widowed, your earnings must be less than $50,000.
• If married or living as a common-law, the combined income of you and your spouse/common-law partner must be less than $60,000.

Ontario Senior Homeowners' Property Tax Grant Income Limits 2026

How to Apply for the Ontario Senior Homeowners' Property Tax Grant

You must apply for the Ontario Senior Homeowners' Property Tax Grant every year when you file your personal income tax return. Because the grant is based entirely on your net income and property taxes paid, you must file a tax return to receive the money, even if you owe zero income tax.

Here is the step-by-step process to claim your grant:

1. Locate the ON-BEN Form: Required Tax Schedule. Open the ON-BEN Application (Ontario Trillium Benefit and Ontario Senior Homeowners' Property Tax Grant form), which is automatically included in your standard Ontario provincial tax package.
2. Opt Into the Grant: Line 61070. Tick the box on line 61070 to officially declare that you are applying for the Senior Homeowners' Property Tax Grant.
3. Report Your Property Taxes: Line 61120. Enter the total amount of property tax you paid for your principal residence during the previous calendar year on line 61120. This total can include both your municipal and education property tax amounts.
4. Submit Your Return: Lump-Sum Payout. File the completed ON-BEN form along with your main personal income tax return. The Canada Revenue Agency (CRA) will calculate your exact grant amount and issue it as a lump-sum payment roughly 4 to 8 weeks after sending your Notice of Assessment.

How Do I Receive the Ontario Senior Homeowners' Property Tax Grant Payment?

The grant is paid four to eight weeks after you receive your notice of assessment (NOA) from the Canada Revenue Agency (CRA), paid out in the same method as you have instructed to receive your income tax refund or other benefits. This may be by direct deposit to your bank account or by cheque.

How OSHPTG Interacts with Other Senior Benefits

A common point of confusion is whether claiming the Ontario Senior Homeowners' Property Tax Grant (OSHPTG) prevents you from qualifying for other provincial or federal senior supports.

You do not have to choose. The OSHPTG is fully stackable with other benefits. As long as you meet the specific income and age requirements for each individual program, you can safely claim them all at the same time on your annual tax return.

Here is how the OSHPTG compares to, and works alongside, other key programs available to Ontario seniors:

Frequently Asked Questions (FAQ)

What is the maximum amount I can receive from the OSHPTG?

The maximum amount you can receive is $500 annually. You can't receive a grant larger than the property tax paid.

Can I apply for the OSHPTG if I live in a condo?

Yes, as long as the condo is your principal residence and you meet all other eligibility criteria.

How will I receive the OSHPTG payment?

Payments are usually issued as cheques or direct deposits, depending on how you receive your income tax refund or other benefits.

Is the OSHPTG available to all seniors in Ontario?

The grant is available to seniors who meet the eligibility criteria, including age, homeownership, and residency requirements.

Do I need to pay tax on my OSHPTG payment?

No, the OSHPTG is a non-taxable benefit.