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HEAD-TO-HEAD TAX COMPARISON · 2026

COUNTRY A Ontario VS COUNTRY B New Brunswick

Side-by-side analysis of income tax, effective rates, and take-home pay for Ontario and New Brunswick in 2026.

Daniel · CountryTaxCalc Updated October 2026 Tax Comparison 2026
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OVERVIEW
Ontario has lower provincial income tax than New Brunswick at incomes up to roughly $382,000. At $100,000 income, an Ontario resident pays $6,723 versus $9,714 in New Brunswick — Ontario saves $2,991 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. Figures are provincial income tax only, single filer, using the 2026 basic personal amount credit, with Ontario surtax and the Ontario Health Premium included. For many Ontario families, the housing savings in New Brunswick far exceed the income tax advantage of staying in Ontario.
Section 01

The Big Picture

Top-line rates and effective take-home for a typical earner — including income tax, social contributions, and applicable surcharges.

🍁
COUNTRY A
Ontario
TAX RATE
5.05-13.16%
Much Lower Income Tax

5 progressive brackets from 5.05% to 13.16%

🦞
COUNTRY B
New Brunswick
TAX RATE
9.4-19.5%
Atlantic Affordability Hub

4 progressive brackets from 9.4% to 19.5%

TYPICAL ANNUAL DIFFERENCE
Moving from New Brunswick → Ontario at $100,000
$2,991

Ontario residents pay $2,991 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.

Section 02

Tax Savings by Income Level

Net take-home after all income tax, social contributions, and surcharges — for a single employee with no dependents.

GROSS INCOME
🍁 ON TAX
🦞 NB TAX
SAVINGS
10-YEAR
$50,000
$2,265
$3,076
$811
$8,110
$75,000
$4,446
$6,270
$1,824
$18,240
$100,000
$6,723
$9,714
$2,991
$29,910
$150,000
$14,608
$17,598
$2,990
$29,900
$250,000
$34,161
$35,524
$1,363
$13,630
🍁

Ontario Pros & Cons

+ PROS
  • Provincial income tax $2,991 lower per year at $100K
  • Toronto's unmatched job market and career growth
  • Higher average salaries across most industries
  • Lower HST (13%) vs NB's 15% HST
− CONS
  • GTA housing averages $1.1M+ for detached homes
  • High childcare, transit and daily living costs
  • Urban stress and longer commutes
  • Limited access to nature and slower-paced communities
🦞

New Brunswick Pros & Cons

+ PROS
  • Moncton and Fredericton detached homes from $350,000-$450,000
  • Bilingual province — English and French opportunities
  • Strong sense of community and lower crime
  • Ocean access and outdoor lifestyle at fraction of Ontario cost
− CONS
  • Provincial income tax $2,991 higher than Ontario at $100K
  • 15% HST — 2% higher than Ontario's 13%
  • Smaller job market — fewer large employers
  • Lower average wages may offset housing savings
FAQ

Frequently Asked Questions

How much more tax does New Brunswick charge vs Ontario?

At $100,000 income, New Brunswick charges $9,714 in provincial income tax versus Ontario's $6,723 — a difference of $2,991 per year. At $75,000, the difference is $1,824. At $150,000, New Brunswick residents pay $2,990 more than Ontario residents annually in provincial income tax.

Is it worth moving from Ontario to New Brunswick despite higher income taxes?

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 $2,991 extra in income tax and the 2% higher HST, most families moving from Ontario to NB come out significantly ahead financially.

What is New Brunswick's income tax rate in 2026?

New Brunswick 2026 provincial brackets: 9.4% to $52,333, 14% to $104,666, 16% to $193,861, 19.5% above $193,861. The basic personal amount credit is $13,664. Source: CRA payroll deductions tables (T4032-NB, T4127).

What is the sales tax difference between Ontario and New Brunswick?

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.

Are there good jobs in New Brunswick for Ontario workers?

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.

What is the Atlantic Migration trend from Ontario to NB?

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.

Is remote work in New Brunswick viable for Ontario-level salaries?

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.
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