Compare taxes and see how much you save moving from Ontario to New Brunswick
Ontario has lower provincial income tax than New Brunswick at every income level. At $100,000 income, an Ontario resident pays $7,041 versus $11,703 in New Brunswick — Ontario saves $4,662 per year. However, New Brunswick offers some of Canada's most affordable housing: Moncton and Fredericton detached homes average $350,000-$450,000 versus $1.1M+ in the GTA. New Brunswick also has the 15% HST like other Atlantic provinces, adding to the total tax difference. For many Ontario families, the housing savings in New Brunswick far exceed the income tax advantage of staying in Ontario.
Much Lower Income Tax
5 progressive brackets from 5.05% to 13.16%
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4 progressive brackets from 9.4% to 19.5%
At $100,000 income:
Ontario residents pay $4,662 less per year in provincial income tax than New Brunswick at $100,000. NB housing ($350K-$450K) vs GTA ($1.1M+) can easily offset this difference for families.
| Income | ON Tax | NB Tax | Savings | 10-Year |
|---|---|---|---|---|
| $50,000 | $2,525 | $4,702 | $2,177 | $21,770 |
| $75,000 | $4,753 | $8,202 | $3,449 | $34,490 |
| $100,000 | $7,041 | $11,703 | $4,662 | $46,620 |
| $150,000 | $12,563 | $19,703 | $7,140 | $71,400 |
| $250,000 | $25,023 | $37,976 | $12,953 | $129,530 |
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Send Money To/From Canada →At $100,000 income, New Brunswick charges $11,703 in provincial income tax versus Ontario's $7,041 — a difference of $4,662 per year. At $75,000, the difference is $3,449. At $150,000, New Brunswick residents pay $7,140 more than Ontario residents annually in provincial income tax.
For many families the housing cost difference alone justifies it. Buying a $400,000 home in Moncton versus a $1.2M GTA home saves approximately $800,000 — at a 5% mortgage rate that is $40,000 per year in mortgage payment savings. Even after accounting for the $4,662 extra in income tax and the 2% higher HST, most families moving from Ontario to NB come out significantly ahead financially.
New Brunswick 2026 provincial brackets: 9.4% on income up to $49,958; 14% from $49,958 to $99,916; 16% from $99,916 to $185,064; 19.5% above $185,064. Source: Government of New Brunswick, Department of Finance.
New Brunswick charges 15% HST (5% federal + 10% provincial), while Ontario charges 13% HST. On $40,000 of annual spending, NB residents pay $800 more in sales tax than Ontario residents. Combined with higher income tax, the total provincial tax burden in New Brunswick is substantially higher than Ontario.
New Brunswick has a growing bilingual professional services sector, healthcare, education, and government employment. The province has actively courted remote workers from Ontario since 2020. However, average wages in NB are 15-20% lower than Ontario for comparable roles. If you can maintain an Ontario-level remote salary while living in New Brunswick, the financial case becomes very strong.
New Brunswick experienced record interprovincial migration gains from Ontario, Quebec and other provinces between 2020 and 2025. Cities like Moncton, Fredericton and Saint John saw housing prices rise 50-70% as a result — but even post-appreciation, NB housing remains dramatically more affordable than Ontario. The province actively markets itself as a destination for young families priced out of southern Ontario.
Increasingly yes. New Brunswick has invested in broadband infrastructure, and many tech, finance and professional services roles that previously required Ontario presence now allow remote work. Residents who can maintain a Toronto-area salary while living on NB housing costs — paying $2,000/month instead of $4,000/month on housing — gain thousands per month in disposable income, even after the higher income tax and lower wages are accounted for.