Council BooksLarder LakeOntarioSign inSubscribe
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by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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 Larder Lake'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.

The money · 2024

How Larder Lake's money works

A town is a bit like a household. Money comes in (mostly taxes and grants), and money goes out to pay for services like roads, fire trucks and the arena. Here is what that looked like in 2024, the latest year the town has reported to the Province.

Why 2024 and not this year? A budget is a plan. These figures are what actually happened, checked by an auditor and reported to Ontario. The 2025 report is not out yet.

Money in: $5.1M

Where the town's money came from in 2024.

Larder Lake revenue by source, 2024
  • Property taxes$1.4M28%
  • Money from Ontario (no strings)$632K12%
  • Grants for specific projects$2.0M39%
  • Fees people pay$675K13%
  • Other$240K5%
  • Everything else$111K2%
Show as a table
CategoryAmountShare
Property taxes$1,433,20128.2%
Money from Ontario (no strings)$631,70012.4%
Grants for specific projects$1,984,42439.1%
Fees people pay$675,02613.3%
Other$240,4834.7%
Everything else$111,0552.2%
Total$5,075,889100%

What each source means

Property taxes
What home and business owners pay each year, based on what their property is worth.
Money from Ontario (no strings)
A yearly grant from the Province that the town can spend on anything. Small rural towns get more.
Grants for specific projects
Money from Ontario or Canada that must be spent on a certain thing, often a road or building.
Fees people pay
Water and sewer bills, dump fees, arena rentals, permits and similar charges.
Other
Interest earned, donations, sales of land and equipment.

Money out: $2.2M on services

Day-to-day spending in 2024, by service. On top of this, the town recorded $631K of "wear and tear" on things it owns. That is an accounting cost, not cash out the door, so it is left out here.

Larder Lake spending by service, 2024
  • Running the town office$641K29%
  • Police, fire and safety$283K13%
  • Roads and snow$307K14%
  • Water, sewers and garbage$462K21%
  • Health$144K6%
  • Social services$28,9281%
  • Housing$42,7032%
  • Parks, arena and library$301K14%
  • Planning and business$10,7930%
Show as a table
CategoryAmountShare
Running the town office$640,53328.8%
Police, fire and safety$283,46412.8%
Roads and snow$307,31813.8%
Water, sewers and garbage$461,90420.8%
Health$144,3296.5%
Social services$28,9281.3%
Housing$42,7031.9%
Parks, arena and library$301,34613.6%
Planning and business$10,7930.5%
Total$2,221,318100%

Running the town office

$641K

Council, managers, the clerk, accounting, computers, insurance and the town hall itself. Every town needs some of this, but it does not fix a road or put out a fire.

0% since 2019 (prices rose 18%)

Running the town office broken down
  1. Office and administration$572K0%

    Office staff, finance, IT, insurance, legal and the town hall. Towns share this cost out across other services.

  2. Council$40,876+8%

    Pay and expenses for the mayor and councillors, and council meetings.

  3. Senior management$27,896−1%

    The top managers who run the town day to day.

Show as a table
ItemAmountChange
Office and administration$571,7610.0%
Council$40,876+7.7%
Senior management$27,896−1.1%

Water, sewers and garbage

$462K

Clean tap water, the sewer system, garbage pickup, the dump and recycling.

+19% since 2019 (prices rose 18%)

Water, sewers and garbage broken down
  1. Water treatment$153K+27%

    Making lake or well water safe to drink.

  2. Sewer pipes$101K+8%

    The pipes that carry sewage away from homes.

  3. The dump (landfill)$92,540+64%

    Running the landfill, and saving up to close it safely one day.

  4. Recycling$40,668−17%

    Recycling and composting.

  5. Garbage pickup$38,055−3%

    Trucks that collect garbage.

  6. Water pipes$36,426+22%

    The pipes that bring water to homes.

Show as a table
ItemAmountChange
Water treatment$153,329+27.2%
Sewer pipes$100,886+7.8%
The dump (landfill)$92,540+64.3%
Recycling$40,668−16.7%
Garbage pickup$38,055−2.9%
Water pipes$36,426+22.4%

Roads and snow

$307K

Fixing and paving roads, bridges and culverts, ploughing snow, and street lights.

−12% since 2019 (prices rose 18%)

Roads and snow broken down
  1. Paved roads$148K+9%

    Fixing and repaving paved roads.

  2. Snow ploughing$78,360−43%

    Ploughing, salting and sanding roads in winter.

  3. Gravel roads$63,469+9%

    Grading and fixing gravel roads.

  4. Street lights$15,262

    Power and repairs for street lights.

  5. Roadsides and signs$2,131

    Ditches, signs, line painting and roadside brush.

Show as a table
ItemAmountChange
Paved roads$148,096+8.6%
Snow ploughing$78,360−43.3%
Gravel roads$63,469+8.6%
Street lights$15,262–
Roadsides and signs$2,131–

Parks, arena and library

$301K

Parks, the arena, the pool, sports fields, programs and the library.

+18% since 2019 (prices rose 18%)

Parks, arena and library broken down
  1. Parks$129K+34%

    Parks, beaches, trails and green spaces.

  2. Library$74,368−7%

    The public library.

  3. Golf, marina, ski hill$69,638+5%

    Town-owned golf course, marina or ski hill.

  4. Programs$25,218

    Classes, camps and activities.

  5. Museums$3,167

    Local museums.

Show as a table
ItemAmountChange
Parks$128,955+34.1%
Library$74,368−7.0%
Golf, marina, ski hill$69,638+4.5%
Programs$25,218–
Museums$3,167–

Police, fire and safety

$283K

Paying for police, the fire department, building inspectors and by-law officers.

−8% since 2019 (prices rose 18%)

Police, fire and safety broken down
  1. Police (OPP contract)$153K−1%

    What the town pays for policing.

  2. Fire department$104K−21%

    Firefighters, trucks and fire halls.

  3. By-law and animal control$20,008

    Enforcing town rules, like noise, parking and dogs.

  4. Emergency planning$6,142

    Getting ready for floods, storms and other emergencies.

  5. Building permits$1,073

    Checking that new buildings are safe.

Show as a table
ItemAmountChange
Police (OPP contract)$152,535−1.0%
Fire department$103,706−21.3%
By-law and animal control$20,008–
Emergency planning$6,142–
Building permits$1,073–

Health

$144K

Public health, ambulances and cemeteries.

+47% since 2019 (prices rose 18%)

Health broken down
  1. Ambulance$76,420+13%

    Paramedics and ambulances.

  2. Public health$67,909+125%

    Health inspections and programs.

Show as a table
ItemAmountChange
Ambulance$76,420+12.8%
Public health$67,909+125.1%

Housing

$42,703

Affordable and social housing.

−15% since 2019 (prices rose 18%)

Housing broken down
  1. Public housing$42,703−15%

    Homes owned by government.

Show as a table
ItemAmountChange
Public housing$42,703−15.1%

Social services

$28,928

Help for people and families who need it, and child care.

−14% since 2019 (prices rose 18%)

Social services broken down
  1. Income support$22,759−20%

    Help for people with very low income.

  2. Child care$6,169

    Daycare and early learning.

Show as a table
ItemAmountChange
Income support$22,759−20.0%
Child care$6,169–

Planning and business

$10,793

Deciding what can be built where, and trying to bring businesses and visitors to town.

+27% since 2019 (prices rose 18%)

Planning and business broken down
  1. Planning and zoning$10,793

    Deciding what can be built where.

Show as a table
ItemAmountChange
Planning and zoning$10,793–

What the money bought

The same 2024 spending, sorted by what it paid for rather than which service.

Spending by type
  1. Staff pay and benefits$897K

    Wages, benefits and pensions for town workers.

  2. Supplies and utilities$644K

    Gravel, salt, fuel, electricity, heating, office supplies and repairs.

  3. Outside companies$431K

    Work the town pays other companies to do, like policing, paving or consultants.

  4. Money given to others$193K

    Grants and payments to other groups, like the conservation authority.

  5. Rent and money costs$35,823

    Renting equipment or space, bank fees, and some accounting costs.

  6. Interest on loans$19,424

    The extra money paid to lenders for money the town borrowed.

Show as a table
ItemAmount
Staff pay and benefits$897,095
Supplies and utilities$644,153
Outside companies$431,384
Money given to others$193,439
Rent and money costs$35,823
Interest on loans$19,424

Staff

People on the town's payroll at the end of each year, as reported to the Province.

YearFull-timePart-timeSeasonal
2019728
2020730
2021748
2022748
2023747
20247421

How things have changed since 2019

Money in compared with day-to-day spending, each year. When the orange line is above the blue one, the town spent more than it took in and made up the difference from savings or loans. Grants for big projects arrive in some years and not others, which makes "money in" jump around.

Money in and day-to-day spending by year
$5.1M
Show as a table
YearMoney inDay-to-day spending
2019$5.1M$2.1M
2020$3.0M$1.9M
2021$3.3M$2.0M
2022$3.3M$2.1M
2023$7.1M$2.2M
2024$5.1M$2.2M

Town property tax

Up 15% since 2019. Prices rose 18%.

Town property tax by year
$1.4M
Show as a table
YearTown property tax
2019$1.2M
2020$1.3M
2021$1.3M
2022$1.3M
2023$1.4M
2024$1.4M

Savings (reserves)

Money set aside for repairs, equipment and emergencies.

Reserves by year
$4.4M
Show as a table
YearSavings
2019$2.1M
2020$3.1M
2021$4.0M
2022$4.7M
2023$4.5M
2024$4.4M

What the town owes

Long-term loans plus short-term (temporary) loans at year end.

Debt by year
$388K
Show as a table
YearLong-term loansTemporary loans
2019$990K$0
2020$924K$0
2021$865K$0
2022$804K$0
2023$615K$0
2024$388K$0

Building new things

Spending on new or rebuilt roads, pipes, buildings and equipment, compared with how fast existing ones wear out.

Capital spending and wear by year
$7.7M
Show as a table
YearBuilt or boughtWore out (amortization)
2019$2.8M$449K
2020$77,128$493K
2021$503K$486K
2022$434K$499K
2023$101K$517K
2024$7.7M$631K

Source: Ontario Financial Information Return (FIR), Schedules 10, 40, 51, 60, 70, 74 and 80 (archived copy). Ontario Ministry of Municipal Affairs and Housing. Retrieved 2026-10-01. Figures are what the municipality reported to the Province for each year, prepared on the same basis as its audited financial statements.