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Not the full picture. Built from public records, which leave things out.Older reportDetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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
An older report. We have no 2024 report for Hamilton in the Province's latest release, so these pages use its 2022 report. It may simply be filed late.
Read by hand. We read Hamilton'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 / HamiltonUpdated Oct 3, 2026

Your city, in plain words

How Hamilton uses the money we share.

A clear, checkable guide to Hamilton's budget, taxes and council decisions. A city with 15 wards, one council and one mayor, which since July 1, 2023 works under the Province's "strong mayor" powers. Every figure links back to the public record.

Your typical 2022 property tax bill$2,683on a $280K home84% City16% SchoolsSee your tax bill explained →
City spending, 2022$1.8BAbout $7,299 per household, up 4.8% from 2021.See the money →
Property tax change+5.3%Hamilton's own property tax came to $1.0B in 2022, against $971M in 2021.What changed →

Where it goes

Most of every dollar supports the everyday city.

Explore every service →
Social services$347M · 19%
Police, fire and safety$343M · 19%
Roads and snow$246M · 14%
Water, sewers and garbage$219M · 12%
Show all 9 servicesShow fewer
Running the city office$167M · 9%
Parks, arena and library$143M · 8%
Health$138M · 8%
Housing$120M · 7%
Planning and business$66.9M · 4%

Day-to-day spending in 2022, from Hamilton's report to the Province.

Where it comes fromWho pays for Hamilton's services?Property taxes47%Grants for specific projects23%Fees people pay18%Other8%Smaller sources6%$2.2B came in during 2022.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 12 questions
Worth askingOpenness

Why are Hamilton's audited financial statements for 2023 and 2024 still not out?

2022the newest year of audited statements on the city's financial results page; the 2023 and 2024 statements were not available when the 2026 budget was adopted

Every city has its yearly accounts checked by an outside auditor and then publishes them. These "audited financial statements" are how residents, lenders and the Province see whether the books are in order. Hamilton's own finance page still shows 2022 as its newest year. The city's 2026 budget book, adopted in February 2026, says the 2024 statements "have not been completed". It also reports that the credit rating agency S&P Global Ratings lowered Hamilton's rating from AAA to AA+ in October 2025 and named the delay in compiling the 2023 and 2024 statements as a reason. The delay follows the February 2024 ransomware attack, which the city says left its financial and business management systems unrecoverable.

Found by reading the city's own documents · 4 sources

Worth askingMoney health

What has the February 2024 cyberattack cost Hamilton, who is paying, and why do the published totals differ?

$18.3 millionwhat the city says it spent on response and recovery from the February 2024 attack, up to June 30, 2025

On February 25, 2024, criminals used ransomware (software that locks up a computer system until money is paid) on Hamilton's systems. The city did not pay the ransom of about $18.5 million. It says it spent $18.3 million up to June 30, 2025 on response, recovery and outside experts, and that its insurer denied its claim "based on coverage terms". Since then the city has published three other totals for the rebuild: $47.7 million of approved funding for 21 projects, a $50 million investment in the 2026 budget, and a $65,290 (thousand) capital line in the 2025 budget. The pages do not say how these fit together.

Found by reading the city's own documents · 6 sources

Worth askingHow decisions are made

The Auditor General found most 2021 cyber security recommendations were still not done when the attack came. Why?

April 2021date of the first Auditor General cyber security audit; the attack followed on February 25, 2024

In April 2021 the city's auditor reported "critical weaknesses" in the city's security and made recommendations. In October 2025 the Auditor General reported that, by the time of the February 2024 attack, those recommendations "remained largely unimplemented". Reasons given were not enough staff, leaders changing often, and no central cyber security program. The city's response said "progress on the 2021 recommendations was limited". The Auditor General also listed strengths, and the city has since created a Chief Information Officer role and hired its first Chief Information Security Officer.

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

Worth askingHow decisions are made

How far has Hamilton got with the Red Hill Valley Parkway inquiry's recommendations?

8 in progress, 12 completedtraffic-safety action items in the city's May 2026 progress table on the inquiry

In 2013 a consultant tested how grippy the Red Hill Valley Parkway road surface was and reported low results to city staff in 2014. Council did not learn of the report until 2019. Council then asked for a judicial inquiry (an independent judge's investigation). Its final report came out on November 29, 2023. The judge found the road's "relatively low" friction was a likely contributor to collisions in the wet, and that the non-disclosure had a cause in a culture inside Public Works that did not require staff to work together. The city turned the 36 recommendations into 37 action items. Its May 2026 update shows eight traffic-safety items still in progress.

Found by reading the city's own documents · 5 sources

Show 8 more questionsShow fewer
Worth askingMoney health

Hamilton's own budget says it will pass two of its debt limits in 2028 and 2029. What happens then?

$1.4 billionof approved capital works the 2026 budget says have debt funding approved but not yet issued

Cities borrow to pay for roads, buildings and water pipes, and council sets limits on how much of the budget can go to paying that debt back. The 2026 budget book says about $1.4 billion of building work already approved for borrowing has not yet been borrowed. It states the city "will exceed" council's limit on borrowing backed by development charges (fees paid by builders) in 2028 and its limit for tax and rate debt in 2029. It adds that council will "likely" have to revisit its debt policy in this term. The same book says the city stays well inside the Province's separate limit.

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

Worth askingRising costs

Why was about $1.2 million in rent owed to the city unlikely to be collected, and have the 35 fixes been made?

$1.2 millionin arrears and rental losses the Auditor General said were unlikely to be fully collected (2024 audit)

The city owns buildings and land that it rents out under leases and licences. In September 2024 the Auditor General found the systems for tracking them were weak. The audit found "approximately $1.2 million of accumulated arrears and rental losses that are unlikely to be fully collected". Many leases had expired but stayed on a month-to-month basis, sometimes for years. The Auditor General made 35 recommendations and management agreed to all of them. A separate 2025 audit of one lease, at Pier 7, found the rent reasonable but said the plan to rent without a competition should have gone to council first.

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

Worth askingHow decisions are made

The Auditor General found "widespread procedural fairness concerns" in the city's HR investigations. What changes, and who will check?

76%of allegations were found to be true in the Auditor General's sample of HR investigations, which the report called unusually high

When an employee complains about a co-worker or manager, the city's Human Resources staff investigate. In August 2026 the Auditor General reported that a sample of these files showed widespread concerns about fairness. The share of allegations found to be true, 76 per cent in the sample, was "unusually high" compared with what research suggests is typical. The Auditor General said this raised concern that complainants' evidence "may in some cases have been accepted with insufficient scrutiny". Management accepted all six recommendations and says it will report to council in January 2027.

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

Worth askingRising costs

What did the temporary Barton-Tiffany shelter cost, and why did the Auditor General say urgency overrode due diligence?

11 recommendationsmade by the Auditor General about the 80-bed temporary Barton-Tiffany shelter project

In 2025 the city set up a temporary outdoor shelter site at Barton and Tiffany streets for up to 80 people. The Auditor General later looked at how the project was run after reports to the Fraud and Waste Hotline. The February 2026 audit found "a lack of accountability, governance and control mechanisms" and "an absence of adequate oversight over project costs". It said the shelter structures "did not meet Ontario regulatory standards and required costly modifications". The Auditor General made 11 recommendations. We could not open the report, so we have no dollar figure.

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

Good to knowConflicts of interest

Why do conflict-of-interest cases among city staff keep coming up at the Fraud and Waste Hotline?

29staff conflict-of-interest cases investigated since the hotline launched in 2019, at least, according to the Auditor General

Hamilton's Auditor General runs a Fraud and Waste Hotline for staff, contractors and the public. In its November 2025 annual report the Auditor General said it had investigated "no fewer than 29 instances" of staff conflicts of interest since the hotline began, and that this "continues to be one of the most persistent, serious, and time-consuming types of complaints". It asked council to direct senior leaders to find better ways to teach staff what a conflict of interest is and how to report one. This is about employees, not members of council.

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

Good to knowRising costs

Did the city overpay its accessible-transit contractor for rides with no fare, and has the money come back?

$230,000 - $263,000estimated overpayments to DARTS over 12 years (2012 to 2023), per the Auditor General

The city pays DARTS, which runs door-to-door rides for people with disabilities, to cover "forgone fares": rides where the passenger was not charged, such as trips to Tiger Cats games. After a hotline report, the Auditor General found overpayments over 12 years (2012 to 2023) were estimated in the range of $230,000 to $263,000. The Auditor General found no evidence of intentional data manipulation. The city accepted all four recommendations.

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

Good to knowSpending level

The 2026 budget is called "hold the line" with a 3.87% tax rise. Why did the money raised from property taxes rise 5.3%?

$65,873,000increase in the 2026 net tax levy (5.3%), against an average home's 3.87% rise (amounts in thousands in the table: 65,873)

The city's 2026 budget lowered the average home's tax increase to 3.87 per cent, or $209. But the total the city raises from property taxes (the "net levy") goes from $1,243,887,000 to $1,309,760,000, a rise of $65,873,000 or 5.3 per cent. The budget book explains the gap: new homes and businesses add to the tax base, which the table shows as "Assessment Growth" of minus 1.70 per cent. The net police budget alone goes up 6.8 per cent.

Found by reading the city's own documents · 4 sources

Good to knowSpending level

Who pays for the city's own light rail project office, and what will the city pay once the trains run?

$2,990,6332026 budgeted cost of the city LRT project office, matched by $2,990,633 of grants and subsidies, for a net levy of nil

The Hamilton light rail line (LRT, a 14-kilometre line from McMaster University to Eastgate Square) is being delivered by Metrolinx, and the city keeps a small project office to support that work. The 2026 budget shows that office costing $2,990,633 and being paid for entirely by grants and subsidies, so it adds nothing to the property tax levy. The city's page also says the early underground work is "Funded by Metrolinx". We did not find, in the budgets we opened, any estimate of what the city will pay each year to help run the line.

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

2022 tax year · Hamilton, Ontario

Your tax bill, worked out.

Enter your home's assessed value to see roughly what you pay in property tax each year, who gets it, and what Hamilton's share pays for.

Ontario still uses property values from January 1, 2016 for tax, so your assessed value is probably well below what your home would sell for today.

It is on your property assessment notice from MPAC, and on your tax bill. We filled in the typical value in Hamilton.

a year in property tax, at 2022 rates

  • Hamilton
  • Schools

Hamilton council sets only its own share. the Province sets the school rate.

See what your Hamilton share pays forHide the breakdown

Roughly what your Hamilton share pays for

Source
  • Police, fire and safety
  • Roads and snow
  • Running the city office
  • Parks, arena and library
  • Housing
  • Planning and business
  • Social services
  • Health

An estimate. It uses the residential tax rate, and splits Hamilton's share by what each service cost in 2022 after its own fees and grants (for example, water bills pay for much of a water system). Real bills also depend on your property class, local charges and any rebates.

  • 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

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

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