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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by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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 Rainy River'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.

Questions · 12 so far

Things worth asking about

We read Rainy River's financial reports and meeting minutes, and compared its numbers with 43 similar Ontario towns. These are the things that stood out.

What these are, and what they are not. A question here means a number or practice is unusual, or harder to see than it should be. It does not mean anyone did anything wrong. Most unusual numbers turn out to have ordinary explanations, and every question lists some. The only way to know is to ask.
Needs an answer

Needs an answer

These are unusual enough that residents deserve a clear answer from council.

Needs an answerRising costs

Why did the cost of parks, arena and library grow 114% in 5 years?

+114%parks, arena and library, 2019 to 2024

Rainy River spent $334K on parks, arena and library in 2019 and $716K in 2024. Prices only went up about 18% in that time. Only 2 of 43 similar towns had faster growth here.

Found automatically from the town's financial reports · 3 sources

Needs an answerMoney health

Does Rainy River have enough saved for repairs and emergencies?

$491Kin savings at the end of 2024

Towns keep savings (called reserves) to pay for new trucks, roof repairs and surprises. Rainy River had $491K saved at the end of 2024, down from $500K in 2019. That is 16% of one year's spending. Only 3 of 43 similar towns had less, compared with what they spend.

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

Needs an answerMoney health

Why are so many property taxes unpaid?

$226Kowed in unpaid property tax, end of 2024

At the end of 2024, $226K of property tax had been billed but not paid. That is 23% of everything billed. Only 3 of 43 similar towns had a higher share. A year earlier it was $131K.

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

Worth asking

Worth asking

There may well be a good reason. It is still worth asking what it is.

Worth askingMoney health

How did Rainy River end 2024 with $220,667 in cash and $42,098 in investments, when it owed $3,429,802 to suppliers?

$3,429,802owed to suppliers at the end of 2024, against $220,667 in cash

At the end of 2024 the Town's cash was $220,667, down from $488,279, and its investments were $42,098, down from $563,443. It owed $3,429,802 in accounts payable, up from $584,058. It was also owed $3,074,745 in accounts receivable, up from $305,472. Net debt (what it owes less its financial assets) rose to $1,327,960 from $912,089. The Town spent $3,321,137 on assets under construction during the year. It has a bank credit facility of up to $300,000. The statements do not say what the receivable is, but government grants for building projects rose to $3,861,718 in 2024 from $1,374,944, including $1,200,154 federal and $1,000,028 provincial from the Investing in Canada Infrastructure Program. The 2024 surplus was $2,013,636 against a budgeted deficit of $959,514.

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

Worth askingMoney health

Why are the water and sewer funds $316,848 and $593,314 in deficit, and is the sewer gap growing?

$593,314sewer fund deficit at the end of 2024, up from $421,726

The Town's accumulated surplus is split by fund. At the end of 2024 the water fund stood at a deficit of $316,848 (2023: $299,954) and the sewer fund at a deficit of $593,314 (2023: $421,726). The sewer deficit grew by $171,588 in a year (worked out by us). The general operating fund stood at a surplus of $457,131. Water and sewer deficits mean the fees collected over the years have not covered the costs charged to those funds. The 2026 budget has the general fund charging the water fund $30,000 and the sewer fund $30,000 in administration fees.

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

Worth askingMoney health

How was $525,000 from the working capital reserve used in 2024, and what backs the reserves that are left?

$386,473reserve funds with no investments set aside behind them, unchanged from 2023

The working capital reserve fell from $587,808 at the end of 2023 to $62,808 at the end of 2024, a drop of $525,000 (worked out by us). The statements list reserve funds of $427,693, led by $334,363 from the sale of the Town's hydro company. They also say that only $41,220 of investments are set aside for those reserve funds, so "there were $386,473 (2023 - $386,473) in unfunded reserve funds". That means most of the money the reserves say are saved has been spent or lent to other uses, and is not sitting in a separate account. The statements do not say how the working capital reserve was used.

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

Worth askingRising costs

Why did recreation and cultural services cost $777,483 in 2024, when the budget was $184,963?

$777,483spent on recreation and cultural services in 2024, against a budget of $184,963

The 2024 statement of operations shows recreation and cultural services spending of $777,483 against a budget of $184,963, a difference of $592,520 (worked out by us). It was $513,452 in 2023. Total spending was $4,079,030 against a budget of $3,775,622, because other areas, such as environmental services ($887,392 against $1,156,517), came in under their budgets. The statements do not explain the recreation figure. Donations of $138,360 (2023: $40,906) and a provincial grant of $244,668 from the Northern Ontario Heritage Fund Corporation were received in 2024.

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

Worth askingRecord-keeping

Why does the 2026 budget set aside $63,847.27 for interest on loans, when the debt schedule shows $29,507 for 2026?

$63,847.27interest on loans in the 2026 budget, against $29,507 of scheduled interest on existing debt

The 2026 budget has $63,847.27 in General Administration on a line called "Interest on loans". The 2024 statements say the Town's long-term debt costs $31,862 in interest, and their repayment schedule shows interest of $29,507 for 2026. The budgeted amount is more than twice that. The statements show only two loans, with $637,048 owing at the end of 2024. We did not find a new loan in the documents we read.

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

Worth askingRising costs

Why did Rainy River's property tax go up 13% in 2024?

+13%town property tax, 2023 to 2024

In 2024, Rainy River collected $114K more in its own property tax than in 2023. That is a 13% jump, while prices went up about 2.4%. Only 5 of 43 similar towns raised theirs by more. Almost all of it came from a higher tax rate (up 8% for homes); the value of homes on the tax roll grew only −0.1%.

Found automatically from the town's financial reports · 4 sources

Good to know

Good to know

Background that helps make sense of the rest.

Good to knowMoney health

What happens to the 2026 budget if the 2025 surplus it counts on, $112,774.73, turns out smaller than the estimate?

$112,774.73surplus from 2025 counted in the 2026 budget, labelled "not confirmed"

The approved 2026 budget balances at $4,066,514.33 on both sides. To get there it counts a credit of $112,774.73 on a line the budget itself labels "estimate 2025 surplus - not confirmed". We did not find 2025 audited statements to compare with.

Found by reading the town's own documents · 1 source

Good to knowMoney health

How large could the Town's clean-up cost be for the soil contamination on its property that the auditors could not measure?

The 2024 statements say the Town found soil contamination on municipal property and hired an engineer, who dug out soil judged to be contaminated but could not fully assess the rest because of buildings and natural features. The statements say the extent of the remaining contamination, if any, "is undeterminable at this time", so no cost has been recorded. The property is still in use. The notes do not name the site or give any amount.

Found by reading the town's own documents · 1 source

Good to knowOpenness

Does Rainy River make official audio or video recordings of council meetings?

The Integrity Commissioner's report signed August 5, 2026, which concerned a complaint about a public meeting held on March 2, 2026 and dismissed it, says "no official municipal audio or video recording of the March 2, 2026 meeting existed". Among its governance suggestions to Council it lists "considering the benefits of official audio or video recordings of Council meetings". We did not find a meeting video channel on the pages we read. The Commissioner states that these observations are "solely" recommendations.

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

Each question in full

Needs an answerFound automatically from financial reports

Why did the cost of parks, arena and library grow 114% in 5 years?

+114%parks, arena and library, 2019 to 2024

Rainy River spent $334K on parks, arena and library in 2019 and $716K in 2024. Prices only went up about 18% in that time. Only 2 of 43 similar towns had faster growth here.

Why did the cost of parks, arena and library grow 114% in 5 years?
+114%
Show as a table
YearParks, arena and libraryPrices (inflation)
2019+0%+0%
2020−9%+1%
2021+21%+4%
2022+16%+11%
2023+37%+16%
2024+114%+18%

Change since the first year shown. The grey line is how much prices rose overall, for comparison.

Why it matters

When one area grows much faster than prices, it is either doing more (which may be great) or paying more for the same thing. Residents deserve to know which.

It could be because…

  • The town added a service, a building or staff that residents asked for.
  • Costs were moved from another area, so the total did not really change.
  • Accounting rules changed how costs are sorted.
  • Large one-time costs, like a study, lawsuit or repair, landed in one year.

Questions you could ask

  1. What did the extra $382K a year pay for?
  2. Why did arts and culture go from $48,100 to $308K?
  3. Was each increase approved by council as a separate decision, or did it happen through the yearly budget?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Parks, arena and library: 2019 $334K, 2020 $306K, 2021 $403K, 2022 $389K, 2023 $457K, 2024 $716K.

    Ontario Financial Information Return (FIR), 2019 to 2024 · Schedule 40 · archived copy

  2. Biggest driver: Arts and culture, from $48,100 to $308K.

    Ontario Financial Information Return (FIR), 2019 to 2024 · Schedule 40 · archived copy

  3. Typical growth among similar towns: 19%. Rainy River ranks 3rd of 44.

    Ontario Financial Information Return (FIR), 2024, 43 similar municipalities · Schedule 40 · archived copy

↑ All questions

Needs an answerFound automatically from financial reports

Does Rainy River have enough saved for repairs and emergencies?

$491Kin savings at the end of 2024

Towns keep savings (called reserves) to pay for new trucks, roof repairs and surprises. Rainy River had $491K saved at the end of 2024, down from $500K in 2019. That is 16% of one year's spending. Only 3 of 43 similar towns had less, compared with what they spend.

Does Rainy River have enough saved for repairs and emergencies?
$491K
Show as a table
YearSavings (reserves)
2019$500K
2020$500K
2021$495K
2022$504K
2023$1.0M
2024$491K

Why it matters

With little saved, a broken bridge or a storm has to be paid for with a sudden tax increase or a loan. Low savings can also mean past budgets were balanced by spending savings instead of facing the real cost.

It could be because…

  • The town spent savings on purpose, on projects that were planned and saved up for.
  • Some savings were used to match grant money, which brings in more than it costs.
  • The town has a plan to rebuild its savings.

Questions you could ask

  1. Does the town have a written reserve policy with a target amount?
  2. What were the savings spent on between 2019 and 2024?
  3. What is the plan to rebuild them, and by when?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Savings (reserves and reserve funds): 2019 $500K, 2020 $500K, 2021 $495K, 2022 $504K, 2023 $1.0M, 2024 $491K.

    Ontario Financial Information Return (FIR), 2019 to 2024 · Schedule 70, line 6420 · archived copy

  2. Typical among similar towns: savings equal to 53% of a year's spending. Rainy River: 16%.

    Ontario Financial Information Return (FIR), 2024, 43 similar municipalities · Schedules 40 and 70 · archived copy

↑ All questions

Needs an answerFound automatically from financial reports

Why are so many property taxes unpaid?

$226Kowed in unpaid property tax, end of 2024

At the end of 2024, $226K of property tax had been billed but not paid. That is 23% of everything billed. Only 3 of 43 similar towns had a higher share. A year earlier it was $131K.

Why are so many property taxes unpaid?
$226K
Show as a table
YearUnpaid property tax at year end
2019$165K
2020$134K
2021$150K
2022$148K
2023$131K
2024$226K

Why it matters

When taxes go unpaid, everyone else carries the cost, and the town may borrow to cover the gap. The Province's financial indicators treat 10% to 15% as a moderate risk and more than 15% as a high risk. Collection is the town's job, so a rising number is worth asking about.

It could be because…

  • The final tax bill was due late in the year, so some payments simply arrived in January.
  • A few large properties are in dispute or being sold for back taxes.
  • Hard times for residents, which the town may be handling with payment plans.

Questions you could ask

  1. How much is more than one year overdue, and from how many properties?
  2. Are the rules for chasing unpaid taxes applied the same way to everyone?
  3. Has the town registered tax arrears certificates on properties about two years behind? If still unpaid a year after that, Ontario law lets the town sell the property.

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Taxes receivable: 2019 $165K, 2020 $134K, 2021 $150K, 2022 $148K, 2023 $131K, 2024 $226K. Of the 2024 total, $115K was from earlier years.

    Ontario Financial Information Return (FIR), 2019 to 2024 · Schedule 70, lines 0610 to 0699 · archived copy

  2. Typical among similar towns: 11.9% of taxes billed.

    Ontario Financial Information Return (FIR), 2024, 43 similar municipalities · Schedules 26 and 70 · archived copy

↑ All questions

Worth askingFound by reading the town's documents

How did Rainy River end 2024 with $220,667 in cash and $42,098 in investments, when it owed $3,429,802 to suppliers?

$3,429,802owed to suppliers at the end of 2024, against $220,667 in cash

At the end of 2024 the Town's cash was $220,667, down from $488,279, and its investments were $42,098, down from $563,443. It owed $3,429,802 in accounts payable, up from $584,058. It was also owed $3,074,745 in accounts receivable, up from $305,472. Net debt (what it owes less its financial assets) rose to $1,327,960 from $912,089. The Town spent $3,321,137 on assets under construction during the year. It has a bank credit facility of up to $300,000. The statements do not say what the receivable is, but government grants for building projects rose to $3,861,718 in 2024 from $1,374,944, including $1,200,154 federal and $1,000,028 provincial from the Investing in Canada Infrastructure Program. The 2024 surplus was $2,013,636 against a budgeted deficit of $959,514.

Why it matters

A town that must pay large bills before grant money arrives can run short of cash, and may borrow or delay payments. Residents can reasonably ask whether the grant money was collected and whether any borrowing cost was incurred.

It could be because…

  • Most of the receivable may be infrastructure grants that the Province and the federal government pay after the Town submits its claims. The grants for these projects are listed in the notes, and the work in progress is large.
  • The big payable may be the Town's contractors' bills for those same projects. The two numbers moved together in 2024: receivable up $2,769,273 and payable up $2,845,744 in the cash flow statement.
  • Once the grants were collected in 2025 the cash position may have recovered. The 2025 statements would show it.
  • The Town's own 2024 budget notes that the budget is prepared on a different basis from the statements, so the gap between the budgeted deficit and the surplus is partly accounting.

Questions you could ask

  1. How much of the $3,074,745 in accounts receivable at the end of 2024 was collected in 2025, and from whom?
  2. Did the Town draw on its $300,000 credit facility in 2024 or 2025, and what interest did it pay?
  3. Can the 2025 audited statements be posted?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Consolidated Statement of Financial Position: cash and cash equivalents 220,667 (2023: 488,279); portfolio investments 42,098 (563,443); accounts receivable 3,074,745 (305,472); taxes receivable 225,747; total of assets 3,563,257 (1,488,648). Accounts payable and accruals 3,429,802 (584,058); deferred revenue 102,655; net long-term debt 637,048; total of financial liabilities 4,891,217 (2,400,737). Net debt (1,327,960) ((912,089)).

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Consolidated Statement of Financial Position, PDF page 6 (printed page 1), scanned image

  2. Consolidated Statement of Cash Flows: change in accounts receivable (2,769,273); change in accounts payable and accruals 2,845,744; completion (acquisition) of tangible capital assets under construction (3,321,137); disposal (purchase) of portfolio investments 521,345; decrease in cash resources (267,612); cash at end of year 220,667.

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Consolidated Statement of Cash Flows, PDF page 9 (printed page 4), scanned image

  3. Note 4, Credit Facility: "The Municipality has an available credit facility with a Canadian Chartered Bank with a maximum authorized amount of $300,000, bearing interest at the bank's prime rate plus 1.0%."

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Note 4, PDF page 14 (printed page 9), scanned image

  4. Notes 11 and 12: Investing in Canada Infrastructure Program 1,200,154 (federal) and 1,000,028 (provincial); Ontario Community Infrastructure Fund 508,682; total federal transfers 1,329,618; total provincial transfers 2,532,100. Statement of Operations: government transfers 3,861,718 (budget 780,182; 2023: 1,374,944); annual surplus 2,013,636 (budget (959,514)).

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Notes 11 and 12, PDF page 19 (printed page 14); Consolidated Statement of Operations, PDF page 7 (printed page 2), scanned images

↑ All questions

Worth askingFound by reading the town's documents

Why are the water and sewer funds $316,848 and $593,314 in deficit, and is the sewer gap growing?

$593,314sewer fund deficit at the end of 2024, up from $421,726

The Town's accumulated surplus is split by fund. At the end of 2024 the water fund stood at a deficit of $316,848 (2023: $299,954) and the sewer fund at a deficit of $593,314 (2023: $421,726). The sewer deficit grew by $171,588 in a year (worked out by us). The general operating fund stood at a surplus of $457,131. Water and sewer deficits mean the fees collected over the years have not covered the costs charged to those funds. The 2026 budget has the general fund charging the water fund $30,000 and the sewer fund $30,000 in administration fees.

Why it matters

Water and sewer are meant to be paid for by the people who use them. A growing deficit means either rates are too low, costs are rising, or the books carry costs, such as the yearly wear on pipes, that rates have not yet caught up with. Left alone, it falls back on taxpayers.

It could be because…

  • The fund balances include a yearly charge for wear and tear on pipes and plants (amortization): $165,141 for water and $220,897 for sewer in 2024. That is a paper cost, not cash spent.
  • The Town may be raising rates in steps, with deficits expected to shrink.
  • The deficits may include the cost of the Town's new infrastructure projects that grants have not yet repaid.

Questions you could ask

  1. What is the plan, and the timetable, to bring the water and sewer funds out of deficit?
  2. Do water and sewer rates cover the yearly cost of replacing the pipes and plants?
  3. How are the $30,000 administration fees for each fund worked out?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Note 10, Accumulated operating surplus, operating surplus by fund: general operating 457,131 (2023: 309,215); water (316,848) ((299,954)); sewer (593,314) ((421,726)); recreation board 43,907; cemetery (19,670); library 64,512; health care committee (16,653); heritage square committee 6,987; total (373,948) ((405,175)).

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Note 10, PDF page 18 (printed page 13), scanned image

  2. Note 9, Tangible capital assets: amortization expense of $1,050,513 (2023: $1,046,012), of which "$165,141 for water infrastructure, and $220,897 for sewer infrastructure".

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Note 9, PDF page 17 (printed page 12), scanned image

  3. General Administration: "Admin Fees - Water" 30,000.00 and "Admin Fees - Sewer" 30,000.00 (credits), with "Admin Fees - Health Centre" 8,500.00 and "Admin Fees - Cemetery" 5,528.37; subtotal credits $911,428.37, debits $620,976.41.

    Budget 2026 - TOWN (approved) · General Administration, accounts 10-12-96-4520 and 10-12-96-4530, PDF page 3

↑ All questions

Worth askingFound by reading the town's documents

How was $525,000 from the working capital reserve used in 2024, and what backs the reserves that are left?

$386,473reserve funds with no investments set aside behind them, unchanged from 2023

The working capital reserve fell from $587,808 at the end of 2023 to $62,808 at the end of 2024, a drop of $525,000 (worked out by us). The statements list reserve funds of $427,693, led by $334,363 from the sale of the Town's hydro company. They also say that only $41,220 of investments are set aside for those reserve funds, so "there were $386,473 (2023 - $386,473) in unfunded reserve funds". That means most of the money the reserves say are saved has been spent or lent to other uses, and is not sitting in a separate account. The statements do not say how the working capital reserve was used.

Why it matters

A reserve is savings for a named purpose. When the account behind it is nearly empty, the reserve is a promise on paper. Residents can ask what the money was spent on and whether it will be put back.

It could be because…

  • The working capital reserve may have been used to pay bills while grant money was awaited, which is what a working capital reserve is for.
  • The reserves may be borrowed from internally on purpose, and the Town may plan to repay them as grants come in.
  • The $386,473 figure was the same at the end of 2023, so the Town may have carried it for years.

Questions you could ask

  1. What was the $525,000 taken from the working capital reserve in 2024 spent on?
  2. Does Council plan to put money back into the working capital reserve and to fund the $386,473 in reserves that have no investments behind them?
  3. Does the 2026 budget set aside anything for the reserves?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Note 10, reserve funds: hydro sale 334,363; water 3,402; locum house 3,242; library 37,978; sick leave 21,817; fire department 18,946; health centre 7,945; total 427,693 (2023: 441,233). Other reserve funds: working capital reserve 62,808 (2023: 587,808). "At December 31, 2024, the Municipality had $41,220 (2023 - $54,760) in investments restricted by Council resolution with respect to those reserve funds. As a result, there were $386,473 (2023 - $386,473) in unfunded reserve funds."

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Note 10, PDF page 18 (printed page 13), scanned image

  2. Note 2, Portfolio investments: investments restricted by Council resolution 41,220 (2023: 54,760); other portfolio investments 878 (2023: 508,683); total 42,098 (2023: 563,443).

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Note 2, PDF page 13 (printed page 8), scanned image

↑ All questions

Worth askingFound by reading the town's documents

Why did recreation and cultural services cost $777,483 in 2024, when the budget was $184,963?

$777,483spent on recreation and cultural services in 2024, against a budget of $184,963

The 2024 statement of operations shows recreation and cultural services spending of $777,483 against a budget of $184,963, a difference of $592,520 (worked out by us). It was $513,452 in 2023. Total spending was $4,079,030 against a budget of $3,775,622, because other areas, such as environmental services ($887,392 against $1,156,517), came in under their budgets. The statements do not explain the recreation figure. Donations of $138,360 (2023: $40,906) and a provincial grant of $244,668 from the Northern Ontario Heritage Fund Corporation were received in 2024.

Why it matters

A budget is the promise to taxpayers. A line that comes in at four times its budget needs an explanation, even if grants paid for it.

It could be because…

  • The spending may have been paid for by grants and donations received in the same year, such as the $244,668 from the Northern Ontario Heritage Fund Corporation, with the budget written without them.
  • The budget may not have included work that was approved by Council later in the year.
  • The Town's own statement says its budget leaves out amortization (the yearly wear on its assets) and counts capital spending, so part of the gap may be how spending is grouped. Recreation's share of the 2024 amortization is not given in the notes we read.

Questions you could ask

  1. What projects made up the $777,483 of recreation and cultural spending in 2024?
  2. Which grants and donations paid for them?
  3. Why was the budget for this area $184,963?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Consolidated Statement of Operations, program expenses, 2024 budget / 2024 actual / 2023: recreation and cultural services 184,963 / 777,483 / 513,452; environmental services 1,156,517 / 887,392 / 883,118; total expenditures 3,775,622 / 4,079,030 / 3,631,205.

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Consolidated Statement of Operations and Accumulated Operating Surplus, PDF page 7 (printed page 2), scanned image

  2. Note 12, provincial operating transfers: Northern Ontario Heritage Fund Corporation (NOHFC) 244,668 (2023: nil). Note 13, other income: donations 138,360 (2023: 40,906).

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Notes 12 and 13, PDF page 19 (printed page 14), scanned image

  3. Note 19, Budget: the Financial Plan (Budget) By-Law adopted July 8, 2024 "was not prepared on a basis consistent with that used to report actual results"; it was prepared on a modified accrual basis and "the budget did not include amortization expense". Adjustments: budget by-law surplus (deficit) nil; add capital expenditures 340,486; less amortization (1,300,000); budget surplus (deficit) per consolidated statement of operations (959,514).

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Note 19, Budget, PDF page 21 (printed page 16), scanned image

↑ All questions

Worth askingFound by reading the town's documents

Why does the 2026 budget set aside $63,847.27 for interest on loans, when the debt schedule shows $29,507 for 2026?

$63,847.27interest on loans in the 2026 budget, against $29,507 of scheduled interest on existing debt

The 2026 budget has $63,847.27 in General Administration on a line called "Interest on loans". The 2024 statements say the Town's long-term debt costs $31,862 in interest, and their repayment schedule shows interest of $29,507 for 2026. The budgeted amount is more than twice that. The statements show only two loans, with $637,048 owing at the end of 2024. We did not find a new loan in the documents we read.

Why it matters

If the Town expects to borrow more in 2026, residents will want to know for what. If the line is too high, it ties up money that could be used elsewhere.

It could be because…

  • The line may include interest on the bank credit facility that the Town used to pay bills while grants were awaited, or on new loans for the infrastructure projects.
  • The budget may include interest on new debt taken on since the statements were signed, which the audited statements would not show.
  • The figure may be carried over from an older budget.

Questions you could ask

  1. What loans make up the $63,847.27 of 2026 interest?
  2. Has the Town borrowed since December 31, 2024, and for what?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. General Administration, account 10-12-00-5410 "Interest on loans" $ 63,847.27; account 10-12-00-5411 "interest on reserve loans" nil.

    Budget 2026 - TOWN (approved) · PDF page 3, accounts 10-12-00-5410 and 10-12-00-5411

  2. Note 6, Net long-term debt: Ontario Infrastructure and Lands Corporation loans of 546,329 and 90,719, total 637,048 (2023: 711,714). Repayment schedule, 2026: principal 36,519, interest 29,507, total 66,026. "Interest on long-term debt amounted to $31,862 (2023 - $29,899)."

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Note 6, PDF page 15 (printed page 10), scanned image

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Worth askingFound automatically from financial reports

Why did Rainy River's property tax go up 13% in 2024?

+13%town property tax, 2023 to 2024

In 2024, Rainy River collected $114K more in its own property tax than in 2023. That is a 13% jump, while prices went up about 2.4%. Only 5 of 43 similar towns raised theirs by more. Almost all of it came from a higher tax rate (up 8% for homes); the value of homes on the tax roll grew only −0.1%.

Why did Rainy River's property tax go up 13% in 2024?
$970K
Show as a table
YearTown property tax
2019$738K
2020$773K
2021$809K
2022$852K
2023$856K
2024$970K

Why it matters

A big one-year jump usually means something changed: a new cost, a service that grew, savings being rebuilt, or a problem from earlier years being paid for now. Residents should be able to see exactly which. Spread across every home, it is about $250 more each year.

It could be because…

  • Costs the town cannot control went up, such as policing, insurance or county charges.
  • The town kept taxes too low in earlier years and is catching up.
  • The town is rebuilding savings or paying for a big project like a bridge or equipment.

Questions you could ask

  1. What were the three biggest reasons for the 2024 increase, in dollars?
  2. Is a similar increase planned for next year?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Town property tax: $855,804 in 2023, $969,628 in 2024.

    Ontario Financial Information Return (FIR), 2019 to 2024 · Schedule 10, line 9940 · archived copy

  2. Typical increase among 43 similar Ontario towns: 6.4%. Rainy River ranks 6th highest.

    Ontario Financial Information Return (FIR), 2024, 43 similar municipalities · Schedule 10, line 9940 · archived copy

  3. Residential tax rate (town share): 2.665% in 2023, 2.878% in 2024. Residential assessment: $25.3M to $25.3M.

    Ontario Financial Information Return (FIR), 2019 to 2024 · Schedule 22, residential (RT) · archived copy

  4. Prices (inflation) rose 2.4% over the same year.

    Statistics Canada CPI, table 18-10-0005-01 · archived copy

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Good to knowFound by reading the town's documents

What happens to the 2026 budget if the 2025 surplus it counts on, $112,774.73, turns out smaller than the estimate?

$112,774.73surplus from 2025 counted in the 2026 budget, labelled "not confirmed"

The approved 2026 budget balances at $4,066,514.33 on both sides. To get there it counts a credit of $112,774.73 on a line the budget itself labels "estimate 2025 surplus - not confirmed". We did not find 2025 audited statements to compare with.

Why it matters

Using last year's surplus is a common way to keep taxes down. It is a risk when the surplus is not known, because a smaller one leaves a hole that has to be filled from reserves, which the 2024 statements show are thin.

It could be because…

  • The Town labelled the figure as an estimate because the 2025 audit was not done when the budget was approved, which is normal timing.
  • The amount is under three per cent of the budget, so a miss would be small.
  • The 2025 audit may have confirmed or raised the figure since the budget was approved.

Questions you could ask

  1. What was the actual 2025 surplus or deficit?
  2. If the surplus is lower than $112,774.73, what will Council cut or draw from reserves?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Last page of the budget: a line "estimate 2025 surplus - not confirmed" with a credit of $ 112,774.73, then TOTAL credits $ 4,066,514.33 and debits $ 4,066,514.33, difference nil.

    Budget 2026 - TOWN (approved) · PDF page 19 of 19, bottom of page

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Good to knowFound by reading the town's documents

How large could the Town's clean-up cost be for the soil contamination on its property that the auditors could not measure?

The 2024 statements say the Town found soil contamination on municipal property and hired an engineer, who dug out soil judged to be contaminated but could not fully assess the rest because of buildings and natural features. The statements say the extent of the remaining contamination, if any, "is undeterminable at this time", so no cost has been recorded. The property is still in use. The notes do not name the site or give any amount.

Why it matters

A clean-up can be costly, and it would fall on the budget of the year it happens. Residents can ask where the property is and whether there is a plan or a reserve.

It could be because…

  • There may be little or no contamination left. The statements say "if any".
  • The Town may have studies it has not published, or grants that cover remediation.
  • The amount may be small relative to the Town's yearly spending of $4,079,030.

Questions you could ask

  1. Which property is involved, and what was found?
  2. Has Council received an engineer's report, and is it public?
  3. Is any reserve or grant set aside for remediation?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. Note 16, Contingent liabilities: the Municipality "identified soil contamination on municipal property and retained a third party engineer to assess and remediate any soil impacted". The engineer could not "completely assess the extent of the contamination"; the extent of what remains "is undeterminable at this time and no liability for the future costs of remediation have been recognized". "The property is still in productive use as at December 31, 2024."

    Town of Rainy River, Consolidated Financial Statements, December 31, 2024 (MNP LLP, February 2, 2026) · Note 16, PDF page 20 (printed page 15), scanned image

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Good to knowFound by reading the town's documents

Does Rainy River make official audio or video recordings of council meetings?

The Integrity Commissioner's report signed August 5, 2026, which concerned a complaint about a public meeting held on March 2, 2026 and dismissed it, says "no official municipal audio or video recording of the March 2, 2026 meeting existed". Among its governance suggestions to Council it lists "considering the benefits of official audio or video recordings of Council meetings". We did not find a meeting video channel on the pages we read. The Commissioner states that these observations are "solely" recommendations.

Why it matters

A recording lets residents who could not attend see what was said, and settles disputes about what happened. Many towns post one.

It could be because…

  • A small town may not have equipment or staff to record, or may judge the cost not worth it.
  • The Town may keep written minutes and may have started recording since August 5, 2026.
  • A recording could also be kept by a member of the public, which this report does not cover.

Questions you could ask

  1. Will Council start recording its meetings and posting the recordings?
  2. Have the Commissioner's other suggestions been adopted?

You can ask during the public part of a council meeting, by writing to the clerk, or by contacting your councillors. How to reach council.

Speak for Rainy River? Send us your answer and we will publish it with this question.

The evidence

  1. "An evidentiary limitation arose because no official municipal audio or video recording of the March 2, 2026 meeting existed."

    Town of Rainy River - Integrity Commissioner Report, August 5, 2026 · Investigation Process, PDF page 2, scanned image

  2. Governance Observations: "Council may wish to consider: ... considering the benefits of official audio or video recordings of Council meetings". The report says these observations are offered only as governance recommendations, not as findings against anyone.

    Town of Rainy River - Integrity Commissioner Report, August 5, 2026 · Governance Observations, PDF page 3, scanned image

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