Intro
The Ontario Energy and Property Tax Credit (OEPTC) helps lower- and moderate-income Ontario residents cover energy and property tax costs through the Ontario Trillium Benefit (OTB). If you paid rent or property taxes in 2024, you may qualify for up to $1,283 (non-seniors) or $1,461 (seniors) in 2025—making it an essential credit to claim when filing your taxes.
Why It Matters
- Financial relief: Helps reduce home energy bills and property tax load.
- Refundable: You get the full credit even if you owe zero tax.
- Monthly support: Paid monthly through the OTB, offering consistent cash flow throughout the year.
Who It’s For
Eligible applicants are Ontario residents who, as of December 31, 2024:
- Were at least 18, or married/common-law, or a parent living with a child.
- Lived on that date and continue residing here from July to December 2025.
- Paid property taxes or rent, or incurred energy costs on a reserve, or lived in a long-term care home, or in a designated student residence.
Seniors (65+) may receive a higher property tax component: $1,176 vs $998 for non-seniors.
Key Points, Steps & Tips
🧩 Components & Max Amounts
- Energy component: Up to $285
- Property tax component:
- Non-seniors: up to $998
- Seniors: up to $1,176
- Total Credit:
- Non-seniors: up to $1,283
- Seniors: up to $1,461
🧮 Funding Phasing
Credit reduces gradually as your adjusted net income rises beyond thresholds. Use CRA’s OTB calculator or OEPTC worksheets.
🗓️ Timelines & Payments
- File your 2024 return by April 30, 2025 with Form ON-BEN (box 61020).
- CRA assesses returns by June 19, 2025 to start issuing payments on the 10th of each month (July 2025–June 2026) via OTB, or a lump sum in June 2026.
✅ Pro Tips
- File even with zero taxable income—you’ll still get the credit.
- Keep your rent/property tax/energy receipts and proof of residence until CRA completes assessment.
- If you moved in 2024, the credit is prorated based on the months paid and your residency date.
- Students in designated residences get $25/property credit per applicable month.
Real-Life Scenario
Meet Sarah (non-senior, 35)
- Rented a unit in Mississauga, paid $6,000 rent in 2024
- Adjusted net income: $45,000
- Heated with electricity on a reserve visit (energy cost claimed)
She applies with Form ON-BEN. She qualifies for the full $285 energy and a prorated property portion (~$700). In July 2025, she starts receiving ~ $80 monthly (combined OEPTC + possible OSTC). Easy to budget!
FAQ
Q: I moved to Ontario mid-year—am I eligible?
A: Yes—if you resided in Ontario on December 31, 2024, and paid eligible amounts. Your credit is prorated.
Q: Are lucky seniors automatically eligible?
A: No—must tick OEPTC box (61020) and file the ON-BEN form on your income return.
Q: What if my total entitlement is under $360?
A: You’ll receive a lump‑sum payment (not monthly installments).
Conclusion
The Ontario Energy and Property Tax Credit is a valuable, refundable benefit that can ease the burden of housing-related expenses. Filing the ON-BEN form along with your tax return ensures you get the full credit you’re entitled to—up to $1,461 for seniors. Keep receipts, watch deadlines, and use the CRA’s tools to estimate your benefit.