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Not the full picture. Built from public records, which leave things out.Read by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date. Check the sources, and tell us if you spot a mistake. What this site can't tell you
Read by hand. We read Carlow-Mayo's own documents for this site in October 2026; the Sources page lists which ones. The comparisons with other places still come from the Province's yearly reports.
Ontario / Carlow-MayoUpdated Oct 7, 2026

Your town, in plain words

How Carlow-Mayo uses the money we share.

A clear, checkable guide to Carlow-Mayo's budget, taxes and council decisions. A small rural township in Hastings County with a mayor and councillors for its Carlow and Mayo wards. Every figure links back to the public record.

Property tax raised in 2025$2.5Mall property in Carlow-Mayo67% Town23% County10% SchoolsSee where your tax bill goes →
Town spending, 2025$2.6MAbout $3,502 per household, up 8.1% from 2024.See the money →
Property tax change+6.0%Carlow-Mayo's own property tax came to $1.6M in 2025, against $1.6M in 2024.What changed →

Where it goes

Most of every dollar supports the everyday town.

Explore every service →
Roads and snow$1.3M · 50%
Running the town office$531K · 21%
Police, fire and safety$366K · 14%
Water, sewers and garbage$276K · 11%
Show all 5 servicesShow fewer
Parks, arena and library$126K · 5%

Day-to-day spending in 2025, from Carlow-Mayo's report to the Province.

Where it comes fromWho pays for Carlow-Mayo's services?Property taxes58%Money from Ontario (no strings)17%Grants for specific projects13%Other8%Smaller sources4%$2.8M came in during 2025.See the money →

Questions worth asking

A closer look at the numbers.

Each one is a question, not an accusation. Every one lists ordinary reasons it could be true, and the documents it comes from.

All 9 questions
Worth askingMoney health

Why does the Township's own asset plan say it sets aside about a fifth of what its roads and other assets need each year?

$945,000yearly funding gap, according to the Township's 2025 asset management plan

An asset management plan is a long list of what a town owns (roads, bridges, buildings, vehicles, landfills) and what it will cost to keep it all working. The Township's 2025 plan says its roads and other assets would cost $69.5 million to replace. It says keeping them up needs $1.19 million a year, that the Township commits about $243,000 a year, and that the gap is $945,000 a year. The plan recommends a 5% tax increase each year for ten years to close the gap. The $945,000 gap is the plan's number, not ours.

Found by reading the town's own documents · 2 sources

Worth askingRising costs

Why did the Township buy $124,838 of capital assets in 2025 when it had budgeted $527,304?

$124,838capital assets bought in 2025, against a budget of $527,304

Capital spending is money spent on things that last, like trucks, roads and buildings. In 2025 the statements show purchases of $124,838 against a budget of $527,304. Over the same year the wear on existing assets (amortization) was $549,186, and the Township's "Future capital" reserve grew from $2,537,812 to $2,752,368 (a rise of $214,556, worked out by us). Road spending (transportation services) also came in under budget, at $1,597,605 against $1,886,734. A budget that is not fully spent is not a problem by itself, but it matters here because of the funding gap in the asset plan.

Found by reading the town's own documents · 3 sources

Worth askingMoney health

How will the Township pay for closing its two landfills, which it expects to close between 2034 and 2035?

$2,878,364asset retirement obligation at the end of 2025, mostly landfill closure

The Township owns two landfill sites. Its statements list a liability (money it will have to spend later) for closing them and caring for them afterwards. The total "asset retirement obligation" is $2,878,364 at the end of 2025, of which landfill closure is $2,747,300. The Township's cash is $3,097,273. The statements say the sites are projected to close between 2034 and 2035. The reserves listed in the statements are "Working funds" and "Future capital"; none is named for landfill closure. The yearly accretion expense (the liability growing as closing gets closer) was $118,300 in 2025, and the budget printed "-" for that line.

Found by reading the town's own documents · 3 sources

Worth askingOpenness

Can residents read the Township's budget and its council pay statement without asking for them?

April 9, 2024latest meeting listed on the Township's own agenda and minutes archive

The Township's finance page lists its audited statements for 2019 to 2025 and its tax levy by-laws. About the budget it says residents may "view or request a copy by contacting [the Township]". We did not find a budget file on the site, and we did not find the yearly statement of council pay and expenses on the council or finance pages. The Township's own archive of agendas and minutes ends at April 9, 2024, and the Council Meetings page points to a separate portal for May 2024 onward. That portal's robots.txt asks automated tools to stay out, so we did not read it. The Township's 2026 tax levy by-law and its schedules are posted as scanned images, so we did not use their figures.

Found by reading the town's own documents · 3 sources

Show 5 more questionsShow fewer
Worth askingRising costs

Why did the cost of roads and snow grow 101% in 6 years?

+101%roads and snow, 2019 to 2025

Carlow-Mayo spent $636K on roads and snow in 2019 and $1.3M in 2025. Prices only went up about 21% in that time.

Found automatically from the town's financial reports · 2 sources

Good to knowMoney health

Why do the audited statements show a deficit for 2025 and 2024 when Council approved a balanced budget?

$300,246annual deficit in 2025 on the statements' accounting basis (2024: $437,741)

The 2025 statements show an annual deficit of $300,246 (2024: $437,741), against a statements budget of $505,373. The notes explain why. Council's approved budget was a surplus of "-" (nil), and the statements add back capital purchases and reserve transfers and subtract amortization (the yearly wear on assets, which is not a cash payment) to get the accounting-basis budget. Amortization in 2025 was $549,186. The accumulated surplus (everything the Township owns less what it owes) fell from $9,551,825 to $9,251,579.

Found by reading the town's own documents · 3 sources

Good to knowRecord-keeping

Why is the restricted cash for the Canada Community-Building Fund larger than the fund's balance?

$430,743restricted fund cash at the end of 2025, against a fund balance of $230,884

The Canada Community-Building Fund is federal gas tax money that can only be used for approved projects. The 2025 statements show "Restricted - Canada Community-Building Fund" cash of $430,743, but the fund's balance in the deferred revenue note is $230,884. The difference, worked out by us, is $199,859. In 2024 the two numbers were the same ($362,864). In 2025 the Township moved $201,593 of the fund into the year's revenue.

Found by reading the town's own documents · 2 sources

Good to knowRecord-keeping

Why are the 2024 spending lines in the 2025 statements different from the 2024 statements?

$574,153general government spending for 2024 as first printed, against $533,932 in the 2025 statements

The 2024 statements printed general government spending of $574,153 and transportation spending of $1,361,601 for 2024. The 2025 statements show the 2024 column as $533,932 and $1,405,635. Protection services moved from $334,922 to $331,109. Total expenses for 2024 are the same in both ($2,944,484). Note 15 of the 2025 statements says some comparative figures were restated to match the current presentation.

Found by reading the town's own documents · 3 sources

Where your tax bill goes

A property tax bill in Carlow-Mayo pays for three governments. Only part of it goes to the town, and that part is what Carlow-Mayo council controls.

Tax bill split: Carlow-Mayo 67%, County or region 23%, Schools 10%
$2.5Mraised in 2025
  • Carlow-Mayo67%
  • County or region23%
  • Schools10%
  • Every fact, sourced

    Each number links to the public document it came from. Check it yourself.

  • No accusations

    We ask questions. Every one lists ordinary reasons a number could look odd.

  • Compared fairly

    Towns are only compared with places of a similar size and kind, from the same yearly reports.

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