A Toronto household that uses 230 cubic metres of water a year pays about $1,118 for water and wastewater at the 2026 rate. With a medium garbage bin at $385.86, the total is $1,504.33 a year. That is roughly $125 a month, or $4.12 a day.
What the bill covers
Water, wastewater and garbage arrive together on one utility bill. The first two are charged per cubic metre of water you use. Garbage is a flat yearly fee set by your bin size. The calculator adds both and shows the total.
The 2026 water rate
Pay on time and the rate is $4.8629 per cubic metre. Pay after the due date and it rises to $5.1188, which is why the tool has a box for it. On 230 cubic metres, paying late adds about $59 a year.
Bin sizes and fees
Yearly garbage fees for 2026 are $317.85 for a small bin, $385.86 for a medium, $524.06 for a large and $607.86 for an extra-large. Bag-only homes pay $203.50. If you recycle and compost well, a smaller bin saves money.
How much water you use
Find the consumption on a past bill, in cubic metres. One cubic metre is 1,000 litres. The City puts the average household at about 230 cubic metres a year. Showers, laundry and toilets take most of it, and a leak can push the number far higher.
Use is seasonal, too. It often rises in summer with lawn watering and pools and falls in winter, so a full year gives a fairer figure than one billing period. Planning a garden or a pool? Raise the cubic metres and watch the yearly cost.
Ways to lower it
Fix dripping taps and running toilets first. A running toilet can waste hundreds of litres a day. Low-flow shower heads and full laundry loads help as well. Each cubic metre saved is worth $4.86, so cutting 30 cubic metres saves about $146 a year.
Condos and rentals
In a condo or apartment, the building usually pays the City and passes the cost on through fees or rent. This calculator suits houses with their own meter and bin. For a condo, try the condo ownership cost calculator instead.
Checking your bill
The bill lists water use in cubic metres for each period, and the solid waste charge as a daily amount. Multiply use by the rate to check the total. If it looks high, read the meter twice, a week apart, with all taps closed. Any change means a leak.
Rate changes and help
Toronto sets water and waste rates every year, and they have gone up each time. The figures here are the 2026 final rates from the City, so check your bill and the City page if you see a difference. The City runs relief programs for low-income households and seniors, and offers payment plans to people who fall behind. Ask 311 or read the utility billing page. Pay on time, since late payment raises the water rate and adds charges.
Where to go next
See your yearly tax bill in the Toronto property tax calculator. Compare living costs with the Toronto cost of living calculator. Plan the month with the monthly budget calculator.
Frequently asked questions
How much is the Toronto water rate in 2026?
$4.8629 per cubic metre if paid on time.
How much is a Toronto garbage bin fee?
$317.85 for small, $385.86 medium, $524.06 large and $607.86 extra-large for 2026.
How much water does a typical household use?
About 230 cubic metres a year.
What happens if I pay late?
The rate rises to $5.1188 per cubic metre.
Do condo owners get this bill?
Usually the building pays it and passes on the cost.
Are wastewater charges included?
Yes. The rate covers water and wastewater.
Sources and updates
Last reviewed: . Full disclaimer. How we build calculators. Editorial policy.
Estimate only. This calculator gives general information for planning. It is not tax, legal or financial advice, and it is not affiliated with the City of Toronto, MPAC or the Canada Revenue Agency. Results depend on the numbers you enter and may differ from official amounts. Check official sources or a qualified professional before you decide.