Sales Tax for M7Y — Toronto

What Postal Code M7Y Covers

M7Y is a non-residential postal code used for business reply and high-volume commercial mail in east Toronto. It covers no residential neighbourhood and has no storefront retail. Like M5W and M7R, it exists solely for mail routing purposes.

Communities & neighbourhoods in M7Y

Local landmarks

• East Toronto mail facility

Where M7Y Sits — and What That Changes at the Till

The centroid of M7Y falls roughly 5 km east of Toronto, and the code shares its delivery city with 42 other postal areas. Its closest postal neighbours are M4L (Toronto) about 1 km off and M4M (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 M7Y 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.

M7Y is dense urban ground — a single neighbourhood inside one postal area — 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.

The 13% above is set for the whole of Ontario and does not move between postal codes — M7Y 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 M7Y 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 M7Y; 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 M7Y's page, where the calculator above is already locked to 13%.

Working the 13% on a Purchase in M7Y

FSA M7Y Tax Breakdown and Calculation Example

For FSA M7Y in the Toronto area, the sales tax rate is 13%. Here is how tax is calculated on typical purchase amounts:

Selling into M7Y: 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 M7Y 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 M7Y

All 13%, like M7Y — 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 →