Older Adults Property Tax Deferral Program

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See our Frequently Asked Questions page to learn more about the Older Adults Property Tax Deferral Program.

Program description

Are you an older adult homeowner in Halton living on a fixed income of less than $46,600 a year?

If so, you may be eligible for Halton Region’s Older Adults Property Tax Deferral Program (By-law No. 20-16 PDF file) that will allow you to fully defer your annual property taxes, interest free. The deferral of your property taxes will allow you to focus your resources where you need them most, on your day-to-day needs, helping you manage the rising cost of living and remain in your own home. By helping you stay in the community of your choice, this new program is designed to enhance your overall quality of life.

Halton Region supports health at every age and stage of life. By helping older adults stay healthy and independent, the Older Adults Property Tax Deferral Program contributes to healthy aging and helps keep Halton a great place to live.

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Find out if you're eligible with our Eligibility and Calculator Tool!

Try our Eligibility and Calculator Tool to find out if you are eligible for the program and view possible deferral scenarios.

Example stories

These fictional stories show why homeowners in Halton may decide to join the Older Adults Property Tax Deferral Program, and help to demonstrate how the program works.

Bob and Mary’s story

Bob and Mary have lived in their Oakville home for over 40 years. With rising expenses on a fixed total income, Bob and Mary have to stick to a tight budget. They do not want to sell their family home, but they worry that home ownership may no longer be affordable for them. Together, Bob and Mary make $41,600 annually.

Their combined total gross income includes:

  • Old Age Security (OAS)
  • Guaranteed Total Income Supplement (GIS)
  • Canada Pension Plan (CPP)
  • Bob’s private pension
  • Limited Registered Retirement Savings Plan investments

Bob and Mary heard about the Older Adults Property Tax Deferral Program through the Town of Oakville, and decided that deferring their property taxes would help them remain in their home. They submitted an Older Adults Property Tax Deferral Program application form (PDF file) to the Town for the program, and were approved for the deferral.

Once accepted, Bob and Mary received a letter from the Town identifying the amount of taxes they deferred that year. The deferral provided the flexibility to help them manage their rising expenses, allowing them to stay in their family home.

Eve’s story

Eve lives alone in Milton on an annual gross income of $36,500. The rising costs of groceries and her prescription medications are placing a strain on her monthly budget, and she is finding it difficult to afford the cost of living.

Eve lives within walking distance of a shopping mall and her family doctor. She is also close to the bus stop, and uses public transit regularly. Her location is important to her well-being, but she worries she may have to sell her home if her expenses continue to increase.

Eve’s total income includes:

  • Old Age Security (OAS)
  • Guaranteed Total Income Supplement (GIS)
  • Canada Pension Plan (CPP)
  • A modest pension
  • Limited savings

After reading about the Older Adults Property Tax Deferral Program online, Eve decided to participate so that she could focus her resources on her day-to-day needs. She submitted an Older Adults Property Tax Deferral Program application form (PDF file) to the Town of Milton and was accepted into the program.

The Town sent her a letter identifying the amount of taxes she deferred that year. The deferral eased the burden on her fixed total income, making it more affordable to stay in her home and her community.

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Eligibility

The Older Adults Property Tax Deferral Program helps improve the affordability of owning a home for older adults with low incomes. You are eligible to join the program if you meet the following criteria.

  • You are age 65 or older,
  • You own a home in Halton region (that must have been the principal residence of at least one of the registered owners for the last 4 years),
  • Together with the other registered owners of the property, you had a combined gross annual income (before tax) of less than $46,600,
  • You are not participating in any other property tax deferral or rebate programs offered by Halton Region or your Town/City, and
  • You have paid your property taxes from previous years in full.

For older adults who share a home, each registered owner must meet these criteria and include their information with the program application.

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Joining the program

The program is easy to join—just one submission to your local municipality.

Once they have your information, municipal staff will take care of the rest.

  • Your Town or City reviews your application and determines if you are eligible.
  • If you qualify, your Town or City will immediately defer your property taxes (interest free) for the current year.
  • Deferred taxes will form an interest-free loan.
  • A lien on your property is required. Municipal staff will administer the process.
  • Once in the program, your Town or City will send a renewal notices in January of each year. Your renewal applications will be due by September 30 of each year.

If you have any questions, about the program, please dial 311 from anywhere in Halton or contact:

Halton Region
1151 Bronte Road
Oakville, ON, L6M 3L1
905-825-6000
access.halton@halton.ca

To submit a completed application, please send it to your Local Municipality:

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Renewing your participation

Your Town or City determines your eligibility on an annual basis. Once your deferral begins, you must submit a completed Older Adults Property Tax Deferral Program renewal (PDF file) by September 30 of each year to remain in the program.

  • If you do not apply for renewal by September 30, or if you are no longer eligible for the program, your Town or City will continue to defer your property taxes for the current year.
  • After this first year of non-renewal or ineligibility, you will enter a one-year grace period that gives you time to reapply and demonstrate your eligibility. Your Town or City will continue to defer your taxes, interest free, during this time.
  • If you reapply during the grace period and are eligible for the program, your participation will continue without interruption.
  • For example, Paulo joins the program in 2016. In January 2017, the City of Burlington sends him a notice reminding him to submit his renewal form by September 30. However, Paulo has just become a grandfather, and is so busy that he forgets to reapply. The City of Burlington continues to defer his taxes in 2017, and he enters the grace period in 2018. Paulo submits his renewal form before September 30, 2018 and is reaccepted into the program—his deferral does not end, and his loan does not need to be repaid.

Unless you take action that ends your participation, such as selling your property, the program provides two full years for you to renew your participation and demonstrate your eligibility before you need to repay the deferred taxes. This ensures that you have every opportunity to continue the deferral of your property taxes.

At the end of the grace period, if you are ineligible or did not renew your application, your participation in the program will end.

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Deferral repayment

Once you join the program, you can make full or partial deferral payments to your Local Municipality at any time. You only need to repay the full amount of deferred taxes in the following situations, whichever is earlier:

  • You sell, transfer or otherwise dispose of the property (payment will be due at closing),
  • You become ineligible for the program or do not reapply, and you are ineligible or do not renew again before September 30 in the one-year grace period (payment will be due on January 1 following the grace period), or
  • Your home enters probate as part of your estate (payment will be due on January 1 following the grace period).

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Fees

The program was designed to help you conserve your financial resources. The low administration fees help us offer the program in the long term while keeping it accessible to applicants with limited funds.

  • A one-time, non-refundable application fee of $50 is required with the initial application.
  • Once the application is approved, a one-time, non-refundable administration fee of $200 is added to the value of the deferral.
  • Yearly renewal applications are free of charge.
  • We encourage you to seek financial and/or legal advice before entering this program. However, please note that you will be responsible for the costs of these services.

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