$106.91 Ontario Energy and Property Tax Credit 2025, CRA Confirms New Monthly Payment

The Canada Revenue Agency (CRA) has confirmed the continuation of the Ontario Energy and Property Tax Credit (OEPTC) for the 2025 benefit year — offering much-needed support to low- and moderate-income residents across Ontario.

Under the program, eligible non-senior citizens will receive $106.91 per month, while total annual entitlements amount to $1,283 for individuals aged 18–64 and $1,461 for seniors aged 65 or older.

This refundable credit helps offset the rising costs of energy, rent, and property taxes, providing targeted financial relief to those who need it most.

What Is the Ontario Energy and Property Tax Credit (OEPTC)?

The Ontario Energy and Property Tax Credit is part of the broader Ontario Trillium Benefit (OTB) — a financial support system administered by the CRA on behalf of the Government of Ontario.

Its main purpose is to help residents with low or moderate incomes manage the extra costs associated with:

Energy bills (electricity, heating, fuel)
Property taxes for homeowners
Rent and housing-related expenses

The credit is fully refundable, meaning eligible taxpayers receive the payment even if they owe no taxes.

OEPTC 2025: Key Details at a Glance

Category	Details
Administered By	Canada Revenue Agency (CRA)
Program Name	Ontario Energy and Property Tax Credit (OEPTC)
Country / Province	Canada / Ontario
Payment Frequency	Monthly
Annual Benefit (18–64 years)	$1,283
Annual Benefit (65+ years)	$1,461
Monthly Payment (Non-Seniors)	$106.91
Next Payment Date	October 10, 2025
Official Website	www.canada.ca

Purpose of the OEPTC Program

Ontario residents face some of the highest property and energy costs in the country. The OEPTC was created to ensure these essential living costs don’t place an unfair financial burden on families, individuals, or seniors with fixed incomes.

The program is especially valuable for:

Renters paying utilities and property-related costs indirectly.
Homeowners managing higher property taxes.
Seniors facing fixed pension incomes amid inflation.

It reflects the government’s broader goal of keeping Ontario’s cost of living manageable through targeted provincial support.

Benefit Amounts for 2025

The total OEPTC amount varies based on age and income, as shown below:

Beneficiary Category	Annual OEPTC Amount (2025)	Monthly Equivalent
Non-Seniors (18–64 years)	$1,283	$106.91 per month
Seniors (65+ years)	$1,461	$121.75 per month (approx.)

The credit is calculated based on income level, family status, living situation, and property/rent paid.

Payments are typically issued monthly through the Ontario Trillium Benefit (OTB) system.

Eligibility Criteria for the $106.91 OEPTC Payment

To qualify for the Ontario Energy and Property Tax Credit 2025, applicants must meet all the eligibility requirements set by the CRA and the Government of Ontario.

You are eligible if:

You are a resident of Ontario on December 31, 2024.
You are 18 years or older, or have a spouse or common-law partner, or are a parent living with your child.
You paid rent or property tax for your main residence in Ontario in 2024, or paid for home energy costs on a reserve, or lived in a public long-term care home.
You have filed your 2024 income tax return.

Your eligibility and benefit amount are calculated automatically once your return is processed — there’s no separate application form required.

How Income Affects Your Benefit

The CRA uses your net income and family income to determine how much OEPTC you receive.

Condition	Impact on Benefit
Income below $29,526	Eligible for full $106.91 monthly benefit
Income between $29,526 – $94,483	Reduced benefit (partial payment)
Income above $94,483	Minimal or no benefit

The payment gradually decreases as income increases, ensuring the credit supports those with the highest need.

When and How Payments Are Made

The OEPTC is paid monthly along with other Ontario Trillium Benefit components.

For 2025, the monthly payment of $106.91 will continue, and the next distribution is scheduled for October 10, 2025.

Payments are made through:

Direct deposit to your bank account (recommended for speed and security).
Cheque by mail, if you haven’t set up direct deposit.

The CRA automatically calculates your payment amount once your tax return is filed and approved.

Filing Your Tax Return: The Key to Receiving OEPTC

To receive the OEPTC, you must file your income tax return every year — even if you have no income to report.

Here’s what you need to do:

Complete your 2024 tax return by the deadline (April 2025).
Indicate on your return that you want to apply for the Ontario Trillium Benefit (OTB).
Ensure your address and direct deposit information are up to date.
Keep proof of rent or property tax payments (for CRA verification).

Once approved, the CRA automatically includes the OEPTC in your OTB payments.

What the OEPTC Covers

The OEPTC helps offset:

Home energy costs such as electricity, heating oil, natural gas, propane, or wood.
Property taxes paid by homeowners.
Rent costs (for tenants indirectly paying property taxes).
Energy costs for residents living on reserves or in public institutions.

These costs can form a large part of household expenses, and the OEPTC acts as a financial cushion for qualifying families and individuals.

Why the 2025 Payment Is Important

The 2025 OEPTC update comes as living costs across Canada — especially housing and energy prices — continue to rise.

For many Ontarians, the monthly $106.91 credit provides tangible relief to manage bills more effectively, especially for:

Fixed-income retirees balancing heating and medical costs.
Low-income renters facing rising utility charges.
Young families managing rent and energy bills simultaneously.

This targeted support helps ensure that essential utilities remain affordable for vulnerable groups across the province.

Key Benefits of the OEPTC Program

Monthly support: Regular credit payments to help with recurring expenses.
Automatic qualification: Based on your filed tax return — no extra paperwork.
Tax-free and refundable: Paid even if you owe no income tax.
Supports both renters and homeowners.
Seniors receive enhanced benefits.

It’s one of the most inclusive financial programs under Ontario’s provincial tax credit system.

How to Check Your Payment

You can track your OEPTC payments through the CRA’s online services:

Log in to CRA My Account
Navigate to “Benefits and Credits”
Select “Ontario Trillium Benefit (OTB)”
Check the payment schedule and transaction history

If your payment doesn’t arrive by the 10th of the month, the CRA recommends waiting at least five business days before contacting support.

Common Issues Affecting Payments

Late tax filing — delays processing of benefits.
Address changes — may cause mailed cheques to be redirected or delayed.
Banking errors — incorrect direct deposit details.
Marital status changes — can alter eligibility or benefit calculation.

Updating your details promptly ensures uninterrupted monthly credits.

CRA’s Latest Statement on OEPTC

The Canada Revenue Agency confirmed in its 2025 guidance that the Ontario Energy and Property Tax Credit remains a priority provincial benefit.

“The Ontario Energy and Property Tax Credit continues to provide meaningful financial assistance to Ontarians, helping offset essential household costs such as rent, utilities, and property tax obligations.”

The CRA also reminded residents that the only way to qualify is by filing a complete and accurate income tax return.

How to Contact the CRA

For payment queries or eligibility issues, you can reach the CRA at:

CRA Benefit Enquiries Line: 1-800-387-1193
TTY (for hearing impaired): 1-800-665-0354
Website: www.canada.ca

Frequently Asked Questions (FAQs)

1. What is the OEPTC 2025?
It’s a refundable credit that helps low- and moderate-income Ontario residents with the cost of property taxes and energy bills.

2. Who qualifies for the $106.91 monthly payment?
Residents aged 18–64 who live in Ontario, pay rent or property tax, and file their 2024 tax return automatically qualify if they meet income requirements.

3. How much will seniors receive?
Seniors aged 65 or older are eligible for up to $1,461 annually, or roughly $121.75 per month.

4. When is the next payment date?
The CRA will issue the next payment on October 10, 2025, through direct deposit or mailed cheque.

5. Do I need to apply separately?
No, you automatically qualify when you file your annual income tax return and select the Ontario Trillium Benefit option.