PROPERTY TAX · ST. JOHN’S METRO, NEWFOUNDLAND & LABRADOR
Property Taxes in St. John’s, Mount Pearl, Paradise & CBS (2026)
In 2026, St. John’s charges 9.1 mills plus a $700 water tax, Mount Pearl 7.7 mills plus $625, Paradise 7.4 mills plus $625, and CBS 7.6 mills plus $665. On a home assessed at $430,000, that’s about $4,613 a year in St. John’s, $3,936 in Mount Pearl, $3,807 in Paradise and $3,933 in CBS.
Last updated: November 4, 2026 · By Jay Schwartz, REALTOR® · Royal LePage Vision Realty
For buyers comparing St. John’s, Mount Pearl, Paradise and Conception Bay South, including people moving from other provinces. Every rate is a 2026 residential rate from the municipality’s official site.
Official 2026 rates · Worked math · Clear advice before big decisions
EXAMPLE: $430,000 ASSESSED HOME
$3,807–$4,613
Yearly property tax plus water and sewer, 2026
Paradise $3,807 · St. John’s $4,613
Excludes discounts, metered water and Paradise’s per-bin refuse charge. See the table below.
2026 property tax at a glance
2026 residential property tax, $430,000 assessed home (serviced single-family home). $430,000 is the February–August 2026 metro median sold price from Jay’s St. John’s market report.
Based on assessed value, not purchase price. Property tax is $430,000 × the mill rate ÷ 1,000. Totals exclude discounts, metered water and Paradise’s per-bin refuse charge. Sources: each municipality’s 2026 rates, linked below.
How property tax is calculated in Newfoundland and Labrador
Multiply your assessed value by the mill rate and divide by 1,000, then add the water tax. In 2026, St. John’s residential rate is 9.1 mills for homes with water and sewer, plus $700. A home assessed at $430,000 pays $3,913 in property tax plus $700 water, or $4,613.
A mill is $1 of tax for every $1,000 of assessed value. So 7.4 mills works out to 0.74% of your assessment, and 9.1 mills to 0.91%. The water and sewer fee is a flat yearly charge on top of that.
Assessed value vs what you paid
Your tax is based on your assessment, not your purchase price. St. John’s 2026 assessment notices use a January 1, 2024 base date, so an assessment can be higher or lower than what a home sells for today (City of St. John’s). A home you buy for $430,000 may be assessed at a different amount, so check the actual assessment before you budget.
St. John’s
St. John’s has the highest residential rate of the four: 9.1 mills for homes with water and sewer, 8.6 mills with one of those services and 8.1 mills with neither. The 2026 water tax is $700 per unit, up from $690 in 2025 (City of St. John’s tax rates).
Two residential bills a year: January–June and July–December. The due date is printed on each bill (City of St. John’s).
Arrears are charged interest of 1.25% a month, compounded (City of St. John’s).
Seniors receiving the Guaranteed Income Supplement (GIS) can get a 25% reduction.
Thinking about buying in the city? See St. John’s real estate.
Mount Pearl
Mount Pearl’s 2026 residential rate is 7.7 mills, with a $200 minimum tax, plus a $625 water and wastewater fee per unit (City of Mount Pearl tax rates, Budget 2026 rates and fees).
The tax notice is paid in two instalments. Check your notice or the City for the 2026 due dates.
The City has a low-income policy that can include an interest exemption and partial deferral. Ask the City whether you qualify.
Paradise
Paradise has the lowest residential rate of the four in 2026: 7.4 mills, with a $625 water and sewer fee ($312.50 if you have only water or only sewer). Both are unchanged from 2025 (Town of Paradise 2026 schedule of taxes).
2026 taxes were due March 13, 2026. Arrears are charged 1% a month.
The 2026 schedule also lists a $25-per-bin automated refuse charge. It isn’t included in the table above.
Paradise replaced its age-based seniors discount with income-based assistance in 2026 (Town of Paradise 2026 budget). Contact the Town for eligibility.
See Paradise real estate.
Conception Bay South
Conception Bay South’s 2026 residential rate is 7.6 mills, with a $100 minimum tax. Water and sewer is $665 ($500 water and $165 sewer), up $30 for 2026 because of higher regional water costs (CBS Budget 2026 at a glance, CBS budget and rates).
Check your tax notice or the Town for due dates and any tax relief programs. See Conception Bay South real estate and downsizing in CBS and Paradise.
Is the lowest tax the cheapest place to live?
Of the four, Paradise has the lowest 2026 residential mill rate at 7.4 mills, then CBS (7.6), Mount Pearl (7.7) and St. John’s (9.1). With flat water and sewer fees included, a $430,000 assessed home costs about $3,807 in Paradise and $4,613 in St. John’s, an $806 difference.
MY TAKE
“Personally, I wouldn’t choose where to live based on taxes. I put lifestyle needs first: commute times to work, hobbies, groceries and so on. If it lands in a lower-tax town, that’s a bonus!”
— Jay Schwartz, REALTOR®
Property tax is one line in your budget. Home prices, commute time, and the services and amenities you want close by can matter as much or more. Compare the communities in Jay’s area guides, and if you’re relocating, start with moving to St. John’s, Newfoundland.
Assessments and appeals
The Municipal Assessment Agency (MAA) assesses property in Mount Pearl, Paradise and Conception Bay South. St. John’s runs its own Assessment Division. In both cases, you can appeal within 60 days of the date on your assessment notice, and the law doesn’t allow late appeals, so check the notice the day it arrives.
St. John’s
The City assesses property on a two-year cycle; 2026–27 assessments use a January 1, 2024 base date. Appeal to the Assessment Review Court within 60 days of the notice date. The residential appeal fee is $60, refunded if your appeal succeeds (City of St. John’s: appeal your assessment).
Mount Pearl, Paradise and CBS
These towns are assessed by the MAA, with an annual base date under the Assessment Act, 2006. Appeal online within 60 days of the notice date shown in Box 3 of your notice; the fee is paid by credit card (MAA appeals).
Property tax at closing
When you buy, property tax is prorated on the statement of adjustments. If the seller has already paid tax past your closing date, you reimburse them for those days. See closing costs in St. John’s for the full list of costs on closing day.
Selling first? Get a St. John’s home value estimate before you plan your next move.
Property Tax Questions
Straightforward answers to common questions. Select a question to open or close its answer.
In St. John’s, every two years; 2026–27 notices use January 1, 2024 values. Mount Pearl, Paradise and CBS are assessed by the Municipal Assessment Agency with an annual base date under the Assessment Act.
Appeal within 60 days of the notice date. In St. John’s, appeals go to the Assessment Review Court with a $60 residential fee, refunded if you succeed. MAA appeals are filed online and paid by credit card. Late appeals aren’t allowed.
St. John’s sends two bills a year, with the due date on each bill. Paradise’s 2026 taxes were due March 13, 2026. Mount Pearl and CBS: check your tax notice or contact the municipality.
St. John’s offers a 25% reduction for GIS recipients. Mount Pearl has a low-income policy that can include an interest exemption and deferral. Paradise moved to income-based assistance in 2026. Contact your municipality to check eligibility.
A mill is $1 of tax for every $1,000 of assessed value. A 7.4 mill rate is 0.74% of your assessment.
No. Each town adds a flat yearly water and sewer fee on top of property tax: $700 in St. John’s, $625 in Mount Pearl and Paradise, and $665 in CBS for 2026.
It’s prorated on the statement of adjustments at closing. If the seller prepaid tax past your closing date, you reimburse them for those days.
Comparing Towns? Let’s Look at Real Listings Side by Side
The tax bill is one number. The right town is about the whole picture.
If you’re choosing between St. John’s, Mount Pearl, Paradise and CBS, I’m happy to compare real listings with you, including what each one would cost to carry, before you write an offer.
Clear advice before big decisions.
About This Guide
Jay Schwartz, REALTOR® · Royal LePage Vision Realty Inc.
Last updated: November 4, 2026 · Reviewed every January, when towns set new mill rates.
Sources, checked November 4, 2026:
The figures on this page are 2026 municipal rates as published by each town, checked November 4, 2026, and provided for information only. They are not legal, tax or financial advice. Your actual bill depends on your assessment, services and any discounts, so confirm with your municipality and your accountant. Jay Schwartz is a REALTOR® with Royal LePage Vision Realty Inc. Each office independently owned and operated.