Saugeen Shores property tax rate 2024
Town in Bruce · population 15,908 · 9,018 households
Last updated October 30, 2026; data vintage 2024 (Financial Information Return) and 2021 (Census). How these numbers are made.
In 2024, Saugeen Shores collected $39,035,988 in residential property taxes on $2,785,167,502 of taxable residential assessment. That works out to an effective rate of 1.402%, 0.044 points above the Ontario median of 1.357% for 2024. Among the 391 lower- and single-tier municipalities that filed for 2024, Saugeen Shores ranks 221st lowest and 4th of 8 within Bruce.
Where the tax goes
| Municipal (Saugeen Shores) | 0.747% | 53% of the bill |
|---|---|---|
| Bruce | 0.501% | 36% |
| Education (Province of Ontario) | 0.153% | 11% |
| Total residential rate | 1.402% | 100% |
Municipal Regional / county Education
Understanding your Saugeen Shores tax bill
Who sends the bill
Saugeen Shores is a lower-tier town in Bruce County, so its residential bill has three parts: Saugeen Shores's own levy of 0.747%, the county levy of 0.501% set by Bruce County, and the provincial education levy of 0.153%. Of every $100 of residential tax in 2024, about $53 stayed with Saugeen Shores, $36 went to Bruce County and $11 went to school boards through the province. Saugeen Shores's own share is the larger municipal piece here; the county levy typically pays for county roads, paramedics, social services and long-term care, while Saugeen Shores's levy typically covers local roads, fire, water and sewer, waste collection and recreation.
How the rate compares
Among the 391 Ontario municipalities ranked for 2024, Saugeen Shores's 1.402% is the 221st lowest, with about 43% of municipalities charging more. That is 0.044 points above the provincial median of 1.357%, or about $222 a year more on a $500,000 assessment. Within Bruce County it ranks 4th lowest of 8, between Huron-Kinloss at 1.378% and Kincardine at 1.531%: on a $750,000 assessment that is about $177 more than Huron-Kinloss and $974 less than Kincardine.
What moved the rate
From 2016 to 2024 Saugeen Shores's residential rate rose 0.361 points, from 1.041% to 1.402%, while residential taxes collected grew 67% and the taxable residential assessment base grew 24%. The levy outpaced assessment growth by 43 points over 8 years, so the rate did the work and a Saugeen Shores owner whose assessment never changed still saw the bill rise.
Assessed value is a 2016 number
Ontario has not updated assessments since the 2016 valuation date, so the value behind Saugeen Shores's 1.402% is a 2016 figure, not today's price. In the 2021 Census, owners in Saugeen Shores put the median value of their home at $572,000, while the 2024 return works out to about $309,000 of taxable residential assessment per household. A buyer paying around $572,000 should not multiply it by 1.402%: that would suggest $8,017 a year, whereas at the average assessment the same rate gives about $4,331. Buying a home in Saugeen Shores does not reset its assessment; MPAC changes it only for new construction, renovations, or a successful reconsideration or appeal.
Instalments
Saugeen Shores bills the way most Ontario municipalities do: an interim bill with two instalments early in the year, then a final bill with two more once the 2024 rate was set. Saugeen Shores's interim bill arrives before council approves the 2024 rate, so it is based on the previous year's taxes and may not exceed 50% of them.
Commercial versus residential
Commercial property in Saugeen Shores paid 2.419% in 2024, 1.73 times the residential rate; part of the gap is the provincial business education tax, which is set higher than the residential education rate. Commercial and industrial property made up 5.7% of Saugeen Shores's taxable assessment but paid 9.3% of all property taxes levied, so business carries a share of the levy well beyond its share of the base.
Every figure in this section is taken from Saugeen Shores's Financial Information Returns and the 2021 Census and is checked against the source data when the page is built; the wording follows fixed rules rather than opinion. Service descriptions are general to Ontario municipalities of this type and may differ in detail here.
Estimate your Saugeen Shores property tax
| Assessed value | Municipal | Region / county | Education | Total |
|---|---|---|---|---|
| $500,000 | $3,736 | $2,507 | $765 | $7,008 |
| $750,000 | $5,604 | $3,760 | $1,147 | $10,512 |
| $1,000,000 | $7,473 | $5,013 | $1,530 | $14,016 |
Use the MPAC assessed value from your assessment notice, not the market value (see why). Estimates exclude local improvement charges, business improvement area levies and any rebates.
Rate trend 2016–2024
Saugeen Shores's residential rate rose from 1.041% in 2016 to 1.402% in 2024; the section above separates rate changes from assessment growth.
Year-by-year table
| Year | Residential rate | Municipal | Region / county | Education | Residential taxes levied |
|---|---|---|---|---|---|
| 2016 | 1.041% | 0.478% | 0.375% | 0.188% | $23,428,440 |
| 2017 | 1.036% | 0.488% | 0.375% | 0.173% | $24,038,137 |
| 2018 | 1.080% | 0.535% | 0.379% | 0.166% | $25,583,142 |
| 2019 | 1.124% | 0.579% | 0.386% | 0.159% | $27,239,187 |
| 2020 | 1.170% | 0.618% | 0.399% | 0.153% | $29,188,377 |
| 2021 | 1.194% | 0.627% | 0.413% | 0.153% | $30,598,816 |
| 2022 | 1.247% | 0.656% | 0.439% | 0.153% | $32,786,265 |
| 2023 | 1.321% | 0.695% | 0.473% | 0.153% | $35,607,857 |
| 2024 | 1.402% | 0.747% | 0.501% | 0.153% | $39,035,988 |
Instalments and due dates (2024)
Saugeen Shores reported 4 residential instalments in 2024, with due dates including February 16, 2024, May 18, 2024, August 17, 2024, November 16, 2024. Dates shift each year; check the municipal website for the current schedule.
All property classes, 2024
| Property class | Effective rate | Taxable assessment | Taxes levied |
|---|---|---|---|
| Residential | 1.402% | $2,785,167,502 | $39,035,988 |
| Multi-residential | 1.402% | $67,554,500 | $946,822 |
| Farmland | 0.350% | $135,568,100 | $475,020 |
| Managed forests | 0.350% | $4,413,700 | $15,465 |
| Commercial | 2.419% | $170,524,590 | $4,125,805 |
| Office building | 2.420% | $56,400 | $1,365 |
| Shopping centre | 2.420% | $5,149,817 | $124,605 |
| Parking lot | 2.420% | $245,000 | $5,928 |
| Industrial | 3.073% | $5,316,500 | $163,374 |
| Pipelines | 2.149% | $6,145,000 | $132,058 |
Commercial and industrial rates include the provincial business education tax. Rates for small classes can swing year to year because a few properties dominate them.
Compare within Bruce (2024)
| Municipality | Residential rate | Tax on $750,000 | Ontario rank |
|---|---|---|---|
| Saugeen Shores | 1.402% | $10,512 | 221 |
| Arran-Elderslie | 1.551% | $11,636 | 269 |
| Brockton | 1.675% | $12,562 | 301 |
| Huron-Kinloss | 1.378% | $10,334 | 206 |
| Kincardine | 1.531% | $11,486 | 263 |
| Northern Bruce Peninsula | 1.160% | $8,700 | 103 |
| South Bruce | 1.585% | $11,884 | 275 |
| The South Bruce Peninsula | 1.268% | $9,508 | 146 |
Who lives here
From the 2021 Census of Population (Statistics Canada). Counts are randomly rounded to a multiple of 5 by Statistics Canada, so small differences between totals are normal.
Residents by age group
Under 15 15 to 64 65 and over
Saugeen Shores had 15,908 residents in the 2021 Census, up 16.0% from 13,715 in 2016. The median age was 46.8, older than Ontario's 41.6; 15.9% of residents were under 15 and 26.1% were 65 or older. Median household income in 2020 was $103,000, above the Ontario median of $91,000. Immigrants made up 11.4% of the population (Ontario: 30.0%), and 1.1% of residents had arrived between 2016 and 2021. After English, the most common mother tongues were French (1.5%), Urdu (1.0%) and Gujarati (0.7%).
| Private dwellings occupied by usual residents | 6,905 |
|---|---|
| Average household size | 2.3 persons |
| Age 0 to 14 · 15 to 64 · 65 and over | 15.9% · 57.9% · 26.1% |
| Immigrants (share of population) | 11.4% · arrived 2016–2021: 1.1% |
| Visible minority population | 7.6% · Chinese 0.8% |
| Largest visible minority groups | South Asian 4.2% · Chinese 0.8% · Filipino 0.6% · Black 0.5% · Latin American 0.4% |
| Most common mother tongues | English 89.3% · French 1.5% · Urdu 1.0% · Gujarati 0.7% · German 0.6% |
| Commuting | Car, truck or van 88.7% · public transit 0.3% · average one-way commute 20 min |
| Median value of owner-occupied dwellings (owner-estimated) | $572,000 |
Adapted from Statistics Canada, Census Profile, 2021 Census of Population (data tables 98-10-0002, 98-10-0022, 98-10-0041, 98-10-0057, 98-10-0173, 98-10-0240, 98-10-0257, 98-10-0479, 98-10-0622), reference date 2021. Extracted 2026-10-30. This does not constitute an endorsement by Statistics Canada of this product. Suppressed values are left blank, never estimated.
Questions about Saugeen Shores property taxes
- How much is property tax on a $600,000 home in Saugeen Shores?
- At Saugeen Shores's 2024 residential rate of 1.402%, a home assessed at $600,000 pays about $8,409 a year, using MPAC's 2016-based assessed value rather than the purchase price. Roughly $4,484 of that goes to Saugeen Shores, $3,008 to Bruce County and $918 to education.
- Is property tax higher in Saugeen Shores or Kincardine?
- Kincardine's rate is higher: in 2024 it charged 1.531% against Saugeen Shores's 1.402%, a gap of 0.130 points or about $974 a year on a $750,000 assessment.
- Is property tax lower in Huron-Kinloss than in Saugeen Shores?
- Yes, slightly: Huron-Kinloss's 2024 rate was 1.378%, 0.024 points below Saugeen Shores's 1.402%, which is about $177 a year on a $750,000 assessment.
- When are Saugeen Shores property taxes due?
- For 2024, Saugeen Shores reported 4 residential instalments with due dates on February 16, 2024, May 18, 2024, August 17, 2024 and November 16, 2024; dates shift each year, so confirm the current schedule with the town before paying.
- Why did Saugeen Shores's tax rate go up in 2024?
- The residential rate moved +0.081 points from 2023 to 2024 while residential taxes collected went up 9.6%. Both rose, so the 0.081-point increase reached existing owners in Saugeen Shores directly through the rate rather than through assessment growth.
- How much of a Saugeen Shores tax bill goes to Bruce County?
- In 2024, 36% of the residential rate (0.501% of assessed value) was the Bruce County levy, 53% was Saugeen Shores's own levy and 11% was education.
About these numbers
- What is an effective tax rate?
- Total property taxes billed to a class divided by that class's taxable assessment. It is the average rate actually paid, so it can differ slightly from the rate printed in the municipal by-law when a municipality applies different rates to subclasses, phase-ins or special area levies.
- Why is my bill different?
- Your bill depends on your own assessed value, any special area charges, capping or phase-in adjustments and local improvement charges. Use the rate here to compare municipalities, and your assessment notice to estimate your own bill.
- Where does the data come from?
- Every Ontario municipality files an audited Financial Information Return with the Ministry of Municipal Affairs and Housing. These pages use Schedule 26A, "Taxation and Payments-in-Lieu Summary", for 2016 through 2024. Saugeen Shores's latest return was updated 2026-03-13, and this page was last rebuilt from the data on October 30, 2026. See the methodology.