Sales Tax for M5M — Toronto (North York)

What Postal Code M5M Covers

M5M covers Bedford Park and eastern Lawrence Manor along Yonge Street north of Lawrence. The district's mix of interwar houses and steady infill rebuilding has made it one of the more actively redeveloped residential areas in the city. Avenue Road and Yonge Street carry its neighbourhood retail.

Communities & neighbourhoods in M5M

Local landmarks

• Yonge Street corridor
• Avenue Road shops
• Douglas Greenbelt

Where M5M Sits — and What That Changes at the Till

The centroid of M5M falls roughly 9 km north of Toronto, and the code shares its delivery city with 22 other postal areas. Its closest postal neighbours are M5N (Toronto) about 2 km off and M4R (Toronto) 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 M5M 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.

M5M is dense urban ground — 3 named neighbourhoods inside one postal area, about 25,000 — 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. Yonge Street corridor runs through the code, and highway trade has its own rules: freight moving between provinces is a zero-rated interlining supply in the carrier's hands, while the fuel, meals and repairs bought along the way carry M5M's 13% like any other local purchase.

The 13% above is set for the whole of Ontario and does not move between postal codes — M5M 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 M5M 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 M5M; 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 M5M's page, where the calculator above is already locked to 13%.

Working the 13% on a Purchase in M5M

FSA M5M Tax Breakdown and Calculation Example

For FSA M5M in the Toronto (North York) area, the sales tax rate is 13%. Here is how tax is calculated on typical purchase amounts:

Selling into M5M: 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 M5M 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 M5M

All 13%, like M5M — 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 →