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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by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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 South Frontenac'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 / South FrontenacUpdated Oct 5, 2026

Your town, in plain words

How South Frontenac uses the money we share.

A clear, checkable guide to South Frontenac's budget, taxes and council decisions. A township in the County of Frontenac, Ontario, formed in 1998 from four former townships, with a mayor and eight district councillors. Every figure links back to the public record.

Your typical 2024 property tax bill$3,198on a $320K home63% Town21% County15% SchoolsSee your tax bill explained →
Town spending, 2024$24.8MAbout $2,303 per household, up 8.3% from 2023.See the money →
Property tax change+4.3%South Frontenac's own property tax came to $22.7M in 2024, against $21.8M in 2023.What changed →

Where it goes

Most of every dollar supports the everyday town.

Explore every service →
Roads and snow$8.1M · 33%
Police, fire and safety$6.6M · 27%
Running the town office$3.6M · 15%
Water, sewers and garbage$3.4M · 14%
Show all 7 servicesShow fewer
Parks, arena and library$2.0M · 8%
Planning and business$927K · 4%
Health$122K · 0%

Day-to-day spending in 2024, from South Frontenac's report to the Province.

A fair comparisonHow does South Frontenac compare?Among 57 similar Ontario towns, South Frontenac's day-to-day spending per household is on the low side.South Frontenac is here · 6 of 57, lowest to highestCompare South Frontenac →

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 11 questions
Needs an answerRising costs

Why did the cost of parks, arena and library grow 98% in 5 years?

+98%parks, arena and library, 2019 to 2024

South Frontenac spent $1.0M on parks, arena and library in 2019 and $2.0M in 2024. Prices only went up about 18% in that time. Only 3 of 56 similar towns had faster growth here.

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

Needs an answerRising costs

Why did the cost of roads and snow grow 92% in 5 years?

+92%roads and snow, 2019 to 2024

South Frontenac spent $4.2M on roads and snow in 2019 and $8.1M in 2024. Prices only went up about 18% in that time. Only 1 of 56 similar towns had faster growth here.

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

Worth askingMoney health

How much of the $15,576,162 Verona housing project in the 2026 budget is grant, how much is borrowing, and who pays it back?

$15,576,162Verona Housing Project in the 2026 capital budget, noted as "Grant and Financing"

The 2026 budget adds up to $56,380,789, and one project makes up more than a quarter of it. The capital list (the list of big building and road projects) shows the Verona Housing Project at $15,576,162 for 2026, funded by "Grant and Financing". The Township's only loan in its 2024 audited statements was a $126,782 water debenture that residents repay. At the end of 2024 it had cash of $6,286,131 and long-term investments of $17,186,196, part of which is held for restricted funds. The Township has said it expects a $3.2 million provincial grant for the water system that would serve the project, and that the project would have about 100 homes. We did not find, in the documents we could read, how the rest is to be paid for. Worked out by us, $3.2 million is about a fifth of $15,576,162.

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

Worth askingRecord-keeping

Why did actual capital spending land so far from the budget, $10.7 million budgeted and $21.7 million spent in 2023, then $17.8 million budgeted and $11.3 million spent in 2024?

$11,286,113capital spending in 2024, against a budget of $17,766,740

Capital spending means paying for roads, bridges, buildings and equipment. In 2023 the budget planned $10,720,250 and the Township spent $21,696,594. In 2024 it planned $17,766,740 and spent $11,286,113. Worked out by us, that is $6,480,627 less than planned in 2024. The yearly surplus also differs from the plan: the 2023 budget planned a deficit of $1,202,682 and the result was a surplus of $5,145,097, while the 2024 budget planned a surplus of $2,297,474 and the result was $1,134,725. The statements explain that the budget and the audited results are prepared on different bases. The 2026 budget carries $7,148,837 of projects approved in earlier years.

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

Show 7 more questionsShow fewer
Worth askingMoney health

Why does the 2026 budget forecast several savings accounts below zero at the end of 2025, while the tax-funded capital amount is cut by $1,410,942?

(261,390)Asset Investment Reserve, forecast balance at the end of 2025 (brackets mean overdrawn)

Reserves are savings accounts that Council sets aside for later costs. The reserves forecast in the 2026 budget shows these balances at the end of 2025: Asset Investment Reserve (261,390), Fiscal Working Funds (207,229), Capital Fire Department (19,956) and Capital Roads Department (265,300), as well as the legally restricted Development Charges (707,614) and 5% Parkland (102,781). A balance in brackets means the account is overdrawn, which in practice means it is being covered by other money. The same budget lists "Capital Tax Requisition" as a saving of $1,410,942, and adds $511,101 to the Asset Investment Reserve, set at 2% of the levy. In the audited statements, the working capital reserve fell from $3,959,358 at the end of 2023 to $837,108 at the end of 2024.

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

Worth askingRising costs

What will policing cost after the Township's six-year OPP agreement ends, with the 2026 bill already up $335,336?

$335,336increase in the OPP bill in the 2026 budget

The Township pays the Ontario Provincial Police (OPP) for policing. The 2026 budget shows "Police Operations" rising from $2,962,297 to $3,297,633, and the Township lists "OPP Billing" at $335,336 among its cost increases. To soften the jump it takes $200,000 from a policing reserve, up from $50,000, and the reserve is forecast to fall from $743,500 to $543,500. The audited statements say the OPP agreement runs six years from December 2020 at roughly $3.1 million a year. Worked out by us, a six-year term from December 2020 ends around December 2026.

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

Good to knowMoney health

How will the Township pay the $9,478,607 it owes for closing landfills and removing asbestos, when only about $0.4 million is set aside for landfill closing?

$9,478,607asset retirement obligations at December 31, 2024 (landfills and asbestos)

Under public sector accounting rules, the Township must record in its books the future cost of closing its landfill sites and removing asbestos from its buildings. At the end of 2024 that obligation was $9,478,607, of which $8,914,902 is for landfills. The statements list "Unfunded asset retirement obligations" of $9,426,982 in the Township's equity, which means no money has been set aside for them. The 2026 budget shows a "Landfill Closure" reserve of $422,858 at the end of 2025. The statements say the Township has five active and five inactive landfill sites, and that the remaining life of active sites runs from 2 years to 42 years.

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

Good to knowOpenness

Why were the 2024 audited statements signed on October 23, 2025, and where are the 2025 statements?

October 23, 2025date of the auditor's report on the 2024 statements, the newest posted

Audited financial statements are the yearly report card on a township's money, checked by an outside accountant. The auditor's report on the 2024 statements is dated October 23, 2025, and the one on the 2023 statements is dated December 3, 2024. On October 5, 2026, the Township's financial reports page listed 2024 as the newest audited statements and had none for 2025. The signing dates are well after the end of the year in both cases.

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

2024 tax year · South Frontenac, 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 South Frontenac'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 South Frontenac.

a year in property tax, at 2024 rates

  • South Frontenac
  • County or region
  • Schools

South Frontenac council sets only its own share. County or region sets its share, the Province sets the school rate.

See what your South Frontenac share pays forHide the breakdown

Roughly what your South Frontenac share pays for

Source
  • Roads and snow
  • Police, fire and safety
  • Running the town office
  • Water, sewers and garbage
  • Parks, arena and library
  • Planning and business
  • Health

An estimate. It uses the residential tax rate, and splits South Frontenac's share by what each service cost in 2024 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

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

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