4.0 Your jurisdiction, properly
Your city, not "North America".
Generic estimating software is accurate everywhere and therefore precise nowhere.
This one runs tuned to a single named jurisdiction — any Canadian province, US state
or European country, because the city is where the money actually leaks, and a
province-wide average hides exactly the charges that decide a bid.
Every number below lives in an editable JSON file, with its citation attached. Toronto
and Ontario are shown here because a finished pack is the only honest way to
demonstrate the depth is real — that is the level of detail your jurisdiction's
pack is built to, and it is built as part of your engagement.
Worked example — the Toronto & Ontario pack, shipped and in production
Building code
2024 Ontario Building Code (O. Reg. 163/24, in force 1 Jan 2025), SB-12 Zone 6 energy packages, 1.2 m frost depth, AODA barrier-free requirements.
Payment & statute
Construction Act (Ontario) — 10% statutory holdback, 28-day prompt payment, s. 85.1 bonding thresholds on public work.
Permits
City of Toronto 2026 fee schedule — $214.79 minimum permit, $92.79 hourly examination, area rates by occupancy, 4.5% Construction Surcharge, $3.00/m² Building Code Act administration fee.
Development charges
Canada–Ontario Development Charge Reduction Program (40–60% off, from March 2026), demolition credits, gross and reduced shown side by side so the exposure if eligibility fails is never hidden.
Tax
HST at 13%, shown separately and never buried in a unit rate, with input tax credit treatment and the federal plus Ontario new housing rebate.
Municipal
Toronto Green Standard v4, green roof by-law Ch. 492, ravine and tree protection Ch. 658/813, Ontario Heritage Act, and excess soil under O. Reg. 406/19.
Schedule
Noise by-law Ch. 591 — durations built on the roughly 65 productive hours a week Toronto actually permits, against a seven-day assumption.
Labour
GTA labour benchmarks and market conditions as at mid-2026, used to validate imported rates and drive escalation — flagged for a second look and left for you to decide.