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by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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 Loyalist'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 · 2025
How Loyalist'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 2025, the latest year the town has reported to the Province.
Why 2025 and not this year? A budget is a plan. These figures are what actually happened, checked by an auditor and reported to Ontario.
Money in: $74.8M
Where the town's money came from in 2025.
Loyalist revenue by source, 2025
34%
31%
20%
Property taxes$24.6M34%
Grants for specific projects$22.4M31%
Fees people pay$14.1M20%
Licences and rent$2.5M3%
Other$5.5M8%
Everything else$2.2M3%
Show as a table
Category
Amount
Share
Property taxes
$24,595,275
34.5%
Grants for specific projects
$22,394,327
31.4%
Fees people pay
$14,077,029
19.7%
Licences and rent
$2,493,804
3.5%
Other
$5,534,639
7.8%
Everything else
$2,245,914
3.1%
Total
$71,340,988
100%
What each source means
Property taxes
What home and business owners pay each year, based on what their property is worth.
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.
Licences and rent
Dog tags, licences, and rent from town-owned property.
Other
Interest earned, donations, sales of land and equipment.
Money out: $41.3M on services
Day-to-day spending in 2025, by service. On top of this, the town recorded $7.5M of "wear and tear" on things it owns. That is an accounting cost, not cash out the door, so it is left out here.
Loyalist spending by service, 2025
16%
17%
33%
17%
11%
Running the town office$6.6M16%
Police, fire and safety$6.9M17%
Roads and snow$13.5M33%
Water, sewers and garbage$7.1M17%
Health$123K0%
Parks, arena and library$4.5M11%
Planning and business$2.7M7%
Show as a table
Category
Amount
Share
Running the town office
$6,559,378
15.9%
Police, fire and safety
$6,880,171
16.6%
Roads and snow
$13,485,106
32.6%
Water, sewers and garbage
$7,076,344
17.1%
Health
$122,524
0.3%
Parks, arena and library
$4,476,580
10.8%
Planning and business
$2,737,890
6.6%
Total
$41,337,993
100%
Roads and snow
$13.5M
Fixing and paving roads, bridges and culverts, ploughing snow, and street lights.
+80% since 2019 (prices rose 21%)
Roads and snow broken down
Other transportation$6.0M+143%
Other transportation costs.
Roadsides and signs$2.5M+69%
Ditches, signs, line painting and roadside brush.
Snow ploughing$1.8M+56%
Ploughing, salting and sanding roads in winter.
Public transit$1.3M+105%
Buses.
Gravel roads$1.1M+54%
Grading and fixing gravel roads.
Paved roads$405K+26%
Fixing and repaving paved roads.
Sidewalk snow$184K−61%
Clearing sidewalks and parking lots.
Street lights$150K+4%
Power and repairs for street lights.
Bridges and culverts$88,650−25%
Keeping bridges and the pipes under roads safe.
Show as a table
Item
Amount
Change
Other transportation
$5,957,160
+142.5%
Roadsides and signs
$2,511,800
+69.4%
Snow ploughing
$1,766,095
+56.1%
Public transit
$1,329,551
+104.6%
Gravel roads
$1,092,930
+53.9%
Paved roads
$404,706
+26.1%
Sidewalk snow
$184,319
−61.4%
Street lights
$149,895
+3.9%
Bridges and culverts
$88,650
−25.3%
Water, sewers and garbage
$7.1M
Clean tap water, the sewer system, garbage pickup, the dump and recycling.
+19% since 2019 (prices rose 21%)
Water, sewers and garbage broken down
Water pipes$2.2M+282%
The pipes that bring water to homes.
Sewage treatment$1.6M+7%
Cleaning sewage before it goes back into nature (Tweed uses lagoons).
Water treatment$879K+2%
Making lake or well water safe to drink.
The dump (landfill)$622K+3%
Running the landfill, and saving up to close it safely one day.
Garbage pickup$583K+76%
Trucks that collect garbage.
Sewer pipes$460K+6%
The pipes that carry sewage away from homes.
Recycling$413K−18%
Recycling and composting.
Rural drainage$217K−7%
Ditches and drains in the countryside.
Storm drains$126K+50%
Drains that carry away rain water.
Other environment$15−100%
Other environmental costs.
Show as a table
Item
Amount
Change
Water pipes
$2,176,076
+282.5%
Sewage treatment
$1,600,886
+7.3%
Water treatment
$878,647
+2.0%
The dump (landfill)
$621,680
+2.9%
Garbage pickup
$583,297
+75.8%
Sewer pipes
$460,026
+5.7%
Recycling
$412,810
−18.0%
Rural drainage
$217,201
−7.0%
Storm drains
$125,706
+50.2%
Other environment
$15
−100.0%
Police, fire and safety
$6.9M
Paying for police, the fire department, building inspectors and by-law officers.
+41% since 2019 (prices rose 21%)
Police, fire and safety broken down
Fire department$3.2M+87%
Firefighters, trucks and fire halls.
Police (OPP contract)$2.5M+6%
What the town pays for policing.
Building permits$726K+48%
Checking that new buildings are safe.
Conservation authority$267K+28%
A regional group that manages rivers, flooding and wetlands.
By-law and animal control$201K+65%
Enforcing town rules, like noise, parking and dogs.
Show as a table
Item
Amount
Change
Fire department
$3,169,168
+86.6%
Police (OPP contract)
$2,516,466
+5.9%
Building permits
$725,771
+48.3%
Conservation authority
$267,320
+28.3%
By-law and animal control
$201,446
+64.6%
Running the town office
$6.6M
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.
+88% since 2019 (prices rose 21%)
Running the town office broken down
Senior management$6.1M+136%
The top managers who run the town day to day.
Council$387K+47%
Pay and expenses for the mayor and councillors, and council meetings.
Office and administration$43,870−93%
Office staff, finance, IT, insurance, legal and the town hall. Towns share this cost out across other services.
Show as a table
Item
Amount
Change
Senior management
$6,128,040
+135.9%
Council
$387,468
+47.1%
Office and administration
$43,870
−93.0%
Parks, arena and library
$4.5M
Parks, the arena, the pool, sports fields, programs and the library.
+32% since 2019 (prices rose 21%)
Parks, arena and library broken down
Arena and buildings$1.6M+3%
The arena, pool, community centre and halls.
Parks$1.3M+56%
Parks, beaches, trails and green spaces.
Programs$863K−8%
Classes, camps and activities.
Arts and culture$662K+1,866%
Festivals, arts and heritage.
Library$58,135+48%
The public library.
Museums$22,990
Local museums.
Show as a table
Item
Amount
Change
Arena and buildings
$1,616,486
+2.9%
Parks
$1,253,450
+55.6%
Programs
$863,433
−7.6%
Arts and culture
$662,086
+1,865.8%
Library
$58,135
+48.4%
Museums
$22,990
–
Planning and business
$2.7M
Deciding what can be built where, and trying to bring businesses and visitors to town.
+155% since 2019 (prices rose 21%)
Planning and business broken down
Business and tourism$1.4M+2,159%
Attracting businesses and visitors, and helping local shops.
Planning and zoning$1.0M+50%
Deciding what can be built where.
New housing$300K−11%
Helping new homes get built.
Other planning$19,566
Other planning costs.
Show as a table
Item
Amount
Change
Business and tourism
$1,415,383
+2,159.3%
Planning and zoning
$1,002,622
+49.5%
New housing
$300,319
−10.7%
Other planning
$19,566
–
Health
$123K
Public health, ambulances and cemeteries.
+546% since 2019 (prices rose 21%)
Health broken down
Cemeteries$62,524
Looking after town cemeteries.
Public health$60,000
Health inspections and programs.
Show as a table
Item
Amount
Change
Cemeteries
$62,524
–
Public health
$60,000
–
What the money bought
The same 2025 spending, sorted by what it paid for rather than which service.
Spending by type
Staff pay and benefits$20.5M
Wages, benefits and pensions for town workers.
Outside companies$8.8M
Work the town pays other companies to do, like policing, paving or consultants.
Supplies and utilities$7.7M
Gravel, salt, fuel, electricity, heating, office supplies and repairs.
Money given to others$3.2M
Grants and payments to other groups, like the conservation authority.
Interest on loans$873K
The extra money paid to lenders for money the town borrowed.
Rent and money costs$329K
Renting equipment or space, bank fees, and some accounting costs.
Show as a table
Item
Amount
Staff pay and benefits
$20,456,097
Outside companies
$8,780,864
Supplies and utilities
$7,720,825
Money given to others
$3,178,782
Interest on loans
$872,782
Rent and money costs
$328,643
Staff
People on the town's payroll at the end of each year, as reported to the Province.
Year
Full-time
Part-time
Seasonal
2019
134
42
4
2020
133
42
5
2021
142
38
35
2022
154
40
37
2023
159
55
39
2024
158
51
28
2025
162
88
24
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
Money in
Day-to-day spending
$0$20M$40M$60M$80M
$74.8M
2019202020212022202320242025
Show as a table
Year
Money in
Day-to-day spending
2019
$57.2M
$26.3M
2020
$45.2M
$28.6M
2021
$48.9M
$27.8M
2022
$56.6M
$54M
2023
$68.2M
$36.1M
2024
$72.4M
$38.4M
2025
$74.8M
$41.3M
Town property tax
Up 46% since 2019. Prices rose 21%.
Town property tax by year
$0$5.0M$10M$15M$20M$25M
$24.6M
2019202020212022202320242025
Show as a table
Year
Town property tax
2019
$16.8M
2020
$18.7M
2021
$19.2M
2022
$20.1M
2023
$21.1M
2024
$22.9M
2025
$24.6M
Savings (reserves)
Money set aside for repairs, equipment and emergencies.
Reserves by year
$0$10M$20M$30M$40M$50M
$45.5M
2019202020212022202320242025
Show as a table
Year
Savings
2019
$14.7M
2020
$17.8M
2021
$25.5M
2022
$30.4M
2023
$29M
2024
$41.3M
2025
$45.5M
What the town owes
Long-term loans plus short-term (temporary) loans at year end.
Debt by year
Long-term loans
Temporary loans
$0$10M$20M$30M$40M
$26M
2019202020212022202320242025
Show as a table
Year
Long-term loans
Temporary loans
2019
$12.7M
$0
2020
$11.4M
$0
2021
$10.2M
$0
2022
$31.6M
$0
2023
$26.8M
$0
2024
$22.5M
$0
2025
$26M
$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
Built or bought
Wore out (amortization)
$0$10M$20M$30M
$25.4M
2019202020212022202320242025
Show as a table
Year
Built or bought
Wore out (amortization)
2019
$24.1M
$4.7M
2020
$7.8M
$5.1M
2021
$20M
$5.6M
2022
$17.2M
$6.0M
2023
$21M
$6.6M
2024
$11M
$7.1M
2025
$25.4M
$7.5M
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.
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