Is $30,000 a good salary in Kitchener–Waterloo?
$30,000 is a below-average salary for Kitchener–Waterloo. It sits around the 33rd income percentile, so roughly 67% of earners make more. Take-home is about $24,876 after tax, CPP and EI.
Median individual income is $45,570 in Kitchener–Waterloo, against $44,640 across Ontario — so this salary sits at the 33rd percentile locally and the 34th provincially.
Income figures cover the census metropolitan area (CMA) of Kitchener–Waterloo, the region Statistics Canada reports, not the municipality alone.
One page answers all three — how you compare, what you keep, and your tax rate.
I'm in the 33rd income percentile in Kitchener–Waterloo.
Where you stand
How you compare to Kitchener–Waterloo earners
Based on individual employment income. You earn more than about 33% of residents.
Your paycheque
Where your $30,000 goes
Estimated 2026 deductions for a resident of Ontario, employment income.
Average tax rate ≈ 10.2% · Total deductions ≈ 17.1% · Marginal ≈ 19.1%
Educational information only — not financial, tax, or legal advice. Figures are estimates based on official CRA & Statistics Canada data.
Take-home pay uses Ontario tax rates — income tax is provincial, not municipal.
Compare provinces
Where $30,000 goes furthest
Take-home pay, tax rate, and income percentile for $30,000 in every province and territory.
| # | Province / territory | Take-home pay | Avg. tax rate | Total deductions | Income percentile |
|---|---|---|---|---|---|
| 1 | Nunavut | $25,621 | 7.7% | 14.6% | 39th |
| 2 | Alberta | $25,456 | 8.3% | 15.1% | 31st |
| 3 | Northwest Territories | $25,336 | 8.7% | 15.5% | 29th |
| 4 | British Columbia | $25,171 | 9.2% | 16.1% | 33rd |
| 5 | Yukon | $25,167 | 9.2% | 16.1% | 23rd |
| 6 | Ontario | $24,876 | 10.2% | 17.1% | 34th |
| 7 | Saskatchewan | $24,826 | 10.4% | 17.2% | 32nd |
| 8 | Quebec | $24,628 | 10.6% | 17.9% | 32nd |
| 9 | Prince Edward Island | $24,538 | 11.3% | 18.2% | 32nd |
| 10 | Manitoba | $24,519 | 11.4% | 18.3% | 35th |
| 11 | New Brunswick | $24,497 | 11.4% | 18.3% | 35th |
| 12 | Nova Scotia | $24,430 | 11.7% | 18.6% | 35th |
| 13 | Newfoundland and Labrador | $24,406 | 11.8% | 18.6% | 36th |
Ontario and Quebec figures are approximate: Ontario's surtax and Quebec's QPP2, parental insurance (QPIP), and prescription-drug contribution aren't modelled.
What's next