Sales Tax for M5P — Toronto

What Postal Code M5P Covers

M5P covers Forest Hill, an independent village until its 1967 annexation and still among the wealthiest neighbourhoods in Canada. Upper Canada College and Bishop Strachan School sit within or beside the district. Forest Hill Village at Spadina and Lonsdale forms a compact upscale shopping street.

Communities & neighbourhoods in M5P

Local landmarks

• Forest Hill Village
• Upper Canada College
• Spadina Road shops

Where M5P Sits — and What That Changes at the Till

The centroid of M5P falls roughly 6 km north of Toronto, and the code shares its delivery city with 42 other postal areas. Its closest postal neighbours are M4R (Toronto) about 1 km off and M5N (Toronto) about 1 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 M5P 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.

M5P is dense urban ground — 3 named neighbourhoods inside one postal area, about 15,000 — and density changes the taxable mix rather than the rate. Prepared food, personal services and in-person retail dominate what is rung through Toronto 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. With Upper Canada College inside the code, spending skews toward prepared food and second-hand goods. Buying used from someone who is not registered carries no HST whatsoever, which is why two identical desks can change hands in M5P at prices 13% apart.

The 13% above is set for the whole of Ontario and does not move between postal codes — M5P 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 M5P 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 M5P; 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 M5P's page, where the calculator above is already locked to 13%.

Working the 13% on a Purchase in M5P

FSA M5P Tax Breakdown and Calculation Example

For FSA M5P in the Toronto area, the sales tax rate is 13%. Here is how tax is calculated on typical purchase amounts:

Selling into M5P: 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 M5P 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 M5P

All 13%, like M5P — 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 →