Housing Cost Reduction
Rates Rebate
The Rates Rebate is an annual reduction on council rates for low-income homeowners, administered by your local council under the Rates Rebate Act 1973. You can get up to $805 off for the 2026 rating year, with higher thresholds if you're a Super Gold cardholder or have dependants.
What is this?
Rates Rebate is administered by Local Council. Rates Rebate Act 1973
Am I eligible?
- You own the property and were living there on 1 July of the rating year
- Household income below $32,210 (or $45,000 if Super Gold)
- Add $500 to the threshold for each dependent child
- Apply by 2026-06-30 for the current year
How much could I get?
Maximum rebate: $805 for the 2026 rating year.
Base income threshold: $32,210; Super Gold: $45,000.
Rebate formula is abatement-based — above the threshold, the rebate reduces with income and is calculated relative to your rates bill.
Rates current as of Budget 2025. Personal amounts depend on your situation.
How to apply
- Apply at your local council office after receiving your rates bill
- Applications open 1 July each year for the current rating year
- Complete the Rates Rebate application form (available at your council)
- Rebate is applied directly to your rates account
Documents you'll need
- · Current rates bill or rates assessment notice
- · Proof of income for all occupants (IR3, payslips, or benefit statement)
- · Proof of identity
Frequently asked questions
How much is the Rates Rebate in NZ for 2026?
Up to $805 for the current rating year. The exact amount depends on your rates bill, household income, and number of dependents — use your council's online calculator for a precise figure.
When do I need to apply for a Rates Rebate?
Applications must be lodged by 2026-06-30 for the current rating year. Some councils close earlier — always check with your local council.
Can I claim a Rates Rebate if I'm on NZ Super?
Yes. Super Gold cardholders have a higher income threshold ($45,000), and many retired homeowners are eligible.
Related benefits you might also qualify for
Warmer Kiwi Homes
EECA's Warmer Kiwi Homes covers 50–90% of insulation and up to $3,450 toward a heat pump. See 2026 eligibility.
Community Services Card
The Community Services Card cuts GP fees, prescription costs and unlocks higher subsidies. See 2026 income thresholds and how to apply via MyMSD.
Winter Energy Payment
Winter Energy Payment pays $20.46–$31.82/week from 1 May to 1 October to benefit recipients and NZ Super. See eligibility and how it's paid.
Want a personalised estimate across all 14 benefits?
Check my entitlementsFree · 90 seconds · no signup