Ontario $360 Trillium October Drop Revised 2025 Rates – Credit Indexation Changes Income Thresholds for Renters & Homeowners

The Ontario Trillium Benefit (OTB) payment for October 2025 brings welcomed financial relief for many low-to-moderate income individuals and families across the province. This month’s payout, set at $360, reflects new increases introduced by the Ontario government to help residents cope with rising living costs, especially heating and housing expenses. Distributed through the Canada Revenue Agency (CRA), the OTB combines three key credits: the Ontario Energy and Property Tax Credit, the Northern Ontario Energy Credit, and the Ontario Sales Tax Credit. Let’s explore the updated eligibility, important payment dates, and full details for the October 2025 OTB payment.

Who Is Eligible for the $360 Ontario Trillium Benefit in October 2025?

To receive the $360 Ontario Trillium Benefit (OTB) in October 2025, you must meet specific eligibility requirements set by the Ontario government. These include:

• Being a resident of Ontario on December 31 of the previous tax year.
• Filing your 2024 income tax return, even if you have no income.
• Qualifying for one or more of the following: the Ontario Energy and Property Tax Credit (OEPTC), the Northern Ontario Energy Credit (NOEC), or the Ontario Sales Tax Credit (OSTC).

Payment amounts depend on income, family size, and housing costs. The CRA determines your benefit based on your return, and you’ll receive it as a monthly payment if the total is over $360 annually. This benefit helps offset energy and sales taxes and provides property tax assistance for renters and homeowners.

Key Payment Dates and Schedule for OTB October 2025 Deposit

For October 2025, the Ontario Trillium Benefit (OTB) payment is scheduled to be deposited on October 15, 2025. This is part of the regular monthly distribution cycle run by the CRA. If you qualify, the $360 OTB amount will be deposited directly into your bank account or sent via mailed cheque, depending on your selected payment method.

• Payments typically arrive on the 10th of each month (or the next business day if it falls on a weekend).
• If you opted for a lump sum, you may have already received the full amount in July 2025.
• To ensure timely payment, always file your taxes on time and keep your banking info updated with CRA.

If you don’t see your payment by October 20, contact the CRA for a follow-up.

Breakdown of OTB Components and How the $360 Is Calculated

The $360 OTB October payment is a combination of three separate credits provided by the Ontario government:

• Ontario Energy and Property Tax Credit (OEPTC) – Helps cover sales and property tax on energy costs.
• Northern Ontario Energy Credit (NOEC) – Offers additional support for residents living in Northern Ontario.
• Ontario Sales Tax Credit (OSTC) – Helps offset the cost of sales tax for low-income earners.

The exact amount you receive depends on your 2024 tax return. If your calculated total benefit exceeds $360 annually, you are paid monthly. Otherwise, the CRA may issue it as a one-time lump sum in July. This October increase may reflect cost-of-living adjustments introduced by the province to support Ontarians amid inflation pressures.

Ontario Trillium Benefit 2025 – Payment Amounts and Schedule Overview

Here’s a detailed table outlining the October 2025 OTB details and how the payments are structured:

FAQs on October 2025 Ontario Trillium Benefit Payment

Q1: When will I receive my OTB payment?
A: The payment is scheduled for October 15, 2025.

Q2: How do I know if I qualify for the $360 OTB?
A: File your 2024 return and meet eligibility for OEPTC, NOEC, or OSTC.

Q3: Can I receive this payment as a lump sum?
A: Yes, if you opted in, you may have received a lump sum in July.

Q4: What if my payment is delayed?
A: Contact CRA if you don’t receive it by October 20, 2025.