Home Owner Grant for People Under 65

The home owner grant reduces the amount of property taxes you pay each year on your principal residence.  

Find out:

Do I Qualify?

To qualify for the grant you must meet the following requirements:

Your Principal Residence

For the purpose of claiming the home owner grant, you can have only one principal residence.

If you own more than one home, you can't designate which one is your principal residence.

Your principal residence is the usual place that you make your home. It’s where you live and conduct your daily affairs, like paying bills and receiving mail, and it’s generally the residence used in your government records for things like your income tax, Medical Services Plan, driver's licence and vehicle registration.

To qualify for the home owner grant, your principal residence must be taxed as an improvement.

You must occupy your principal residence when you apply for the home owner grant. However, if you meet certain requirements you may still be able to apply for the grant if you:

Your Grant Amount

Home owner grant amounts are determined based on:

Your Property’s Value & Location

If your property has an assessed or partitioned value of $1,200,000 or less, the home owner grant may reduce your taxes up to $570 or, if it’s located in a northern and rural area, up to $770.

If you meet all requirements but your property’s assessed or partitioned value is over $1,200,000, you may qualify for the grant at a reduced amount.

The grant is reduced by $5 for each $1,000 of assessed value over $1,200,000. This means the grant isn’t available for properties assessed over $1,314,000 ($1,354,000 in a northern and rural area).

Partitioned Value

Partitioning your property value may enable you to claim the home owner grant if:

  • You previously couldn’t, or could only claim a reduced grant, because of the high assessed value of your property, and
  • Your property consists of your principal residence and at least one separate residence

You may apply to have the assessed value of your property partitioned using the Home Owner Grant Partitioning of Assessed Value Calculation (FIN 91) (PDF).

The partitioned value of a property is the property’s assessed value divided by the number of residences on that property. To qualify, each residence must have cooking, sleeping, bathroom and living room facilities. Multi-family dwellings like a duplex, triplex and fourplex qualify as separate residences. A suite in your principal residence doesn’t qualify as a separate residence.

Effective for the 2016 tax year, a laneway home may qualify as a separate residence.

Your Property Taxes

Most homeowners must pay at least $350 in property taxes before claiming the home owner grant to help fund services such as road maintenance and police protection. This amount may be less if you qualify for the home owner grant as a senior, veteran or person with a disability.

If you purchased your property during the current tax year, you may be eligible for the home owner grant if you meet the following requirements:

  • The previous owner didn’t pay all of the property taxes
  • The previous owner didn’t claim the grant
  • You didn’t receive a grant this year for another home
  • You’re occupying the property when you apply for the grant

The home owner grant that you’re eligible to claim will be applied against only the property taxes that the previous owner didn’t pay.

Apply

You must apply for the home owner grant each year to receive it. Only one grant can be claimed for a property each year.

Find out when and how to apply for the home owner grant.

Higher Grant Amounts

Find out if you qualify for a higher grant amount as a:

Claim Last Year’s Grant

If you qualified for the grant last year and didn’t apply, you may be able to claim the grant retroactively.

Have a Question?

If you have any questions about the home owner grant, contact your municipality or the province if your property is in a rural area.

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