Sales Tax for M3N — Toronto (North York)

What Postal Code M3N Covers

M3N covers the Jane and Finch area of northwest North York, a district built rapidly in the late 1960s around a concentration of high-rise public and rental housing. Black Creek Pioneer Village nearby reconstructs a 19th-century Ontario village on the creek that gives the area its name. The Finch West LRT and subway extension have significantly improved transit access to what was long one of the city's most isolated neighbourhoods.

Communities & neighbourhoods in M3N

Local landmarks

• Jane Finch Mall
• Black Creek Pioneer Village
• Downsview Park (west)
• Finch West station

Where M3N Sits — and What That Changes at the Till

The centroid of M3N falls roughly 15 km northwest of Toronto, and the code shares its delivery city with 22 other postal areas. Its closest postal neighbours are M3L (Toronto (North York)) about 2 km off and M9M (Toronto (North York)) about 2 km off.

The nearest ground where the rate changes is about 310 km away — J0X in Quebec, at 14.975%. That distance is the useful part: nothing bought or delivered in M3N is a borderline case, so the only rate question worth asking here is whether the sale is taxable at all, not which province's number applies to it.

M3N is dense urban ground — 4 named neighbourhoods inside one postal area, about 45,000 — and density changes the taxable mix rather than the rate. Prepared food, personal services and in-person retail dominate what is rung through Toronto (North York) codes like this one, all of it at 13%, while the zero-rated grocery basics that anchor a suburban shop are a smaller share of the total than the province-wide averages suggest. General merchandise here concentrates around Jane Finch Mall, and all of it carries the full 13% — while the basic groceries sold in the same catchment are zero-rated federally and carry nothing at all. Two outcomes on one shopping trip, and the usual source of "why was part of my receipt taxed differently".

The 13% above is set for the whole of Ontario and does not move between postal codes — M3N pays exactly what every other Ontario code pays. Overnight accommodation is where Toronto parts company with them. The city levies a 6% Municipal Accommodation Tax on top of HST, so a $200 room night inside M3N carries $12.00 that the identical room would not carry in an Ontario municipality that never adopted one. The rate came down from 8.5% on 1 August 2026, the temporary increase having lapsed. Hotels and short-term rentals are charged at the same rate.

Everything above is particular to M3N; the rules that are not — registration thresholds, filing frequency, input tax credit recovery, point-of-sale rebates — are set for the whole of Ontario, and they live on the Ontario sales tax guide rather than being restated on M3N's page, where the calculator above is already locked to 13%.

Working the 13% on a Purchase in M3N

FSA M3N Tax Breakdown and Calculation Example

For FSA M3N in the Toronto (North York) area, the sales tax rate is 13%. Here is how tax is calculated on typical purchase amounts:

Selling into M3N: What You Need to Register For

Ontario runs a HST system administered by Canada Revenue Agency (CRA), with a registration threshold of $30,000 (HST). Filing frequency, input tax credit recovery, point-of-sale rebates and the full registration walkthrough are set out on the Ontario sales tax guide — they are province-wide rules, identical for every postal code here, so this page links them rather than repeating them.

1. Charge the rate the address decides. A delivery into M3N is an Ontario sale, so charge 13% HST — your own address does not enter into it.
2. Show it the way Canada Revenue Agency (CRA) expects. One HST line and the total tax amount on each invoice.

Everything else about selling here — thresholds, filing frequency, ITC recovery, point-of-sale rebates, and the full province-by-province sourcing rules — is identical for every postal code in Ontario and is set out once on the Ontario sales tax guide and in the Ontario GST/HST calculator.

Postal Codes Near M3N

All 13%, like M3N — what differs is the ground each one covers, and with it the municipal levies on lodging and prepared food worth checking before you invoice.

All Ontario FSAs →FSA Lookup Tool →