Not the full picture. Built from public records, which leave things out.Read by hand, Oct 2026Details

This is built from public records, which leave a lot out, and some of it may be wrong or out of date.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 St Joseph'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.

Compare · 2025

How St Joseph compares with similar towns

Is St Joseph spending a lot or a little? The fairest way to tell is to compare it with towns like it. We picked every Ontario town of the same type (Ontario single-tier municipalities with 60% to 160% of this population that had filed their 2025 return): 27 towns with between 891 and 2,201 people.

How to read this. Each grey dot is one similar town. The large dot is St Joseph, and the line marked "typical" is the town in the middle. The label and colour say where St Joseph sits:

▼ Very low: lower than 90% of similar towns
▼ Low: lower than 75%
≈ Typical: in the middle half
▲ High: higher than 75%
▲ Very high: higher than 90%
Warning mark: unusual in a worrying way for this measure, like very low savings or a very high tax increase

Being far from the middle is not wrong by itself, but it is where to start asking why.

One thing to keep in mind: "per home" uses the number of households each town reports to the Province. Some towns count seasonal cottages as households and some do not, so comparisons with lake and cottage towns are rougher than they look.

Similar towns in Northeastern Ontario include South Algonquin, Papineau-Cameron, Mattawa, Bonfield, McMurrich-Monteith, Armour, McKellar, Magnetawan.

Spending per home

What the town spends on each service, divided by the number of homes. This makes big and small towns comparable.

Total day-to-day spending

Everything the town spent in a year, divided by the number of homes.

$4,347Lower than 20 of 27 similar towns. Typical: $5,045

typical

Town property tax

The town's own share of property tax, divided by the number of homes.

$2,547Lower than 26 of 27 similar towns. Typical: $3,395

typical

Running the town office

Council, managers, office staff and the town hall, per home.

$700Lower than 23 of 27 similar towns. Typical: $1,082

typical

Council

Council pay, expenses and meetings, per home.

$42Lower than 27 of 27 similar towns. Typical: $105

typical

Roads and snow

Per home. Towns with many kilometres of rural road spend more.

$615Lower than 27 of 27 similar towns. Typical: $1,120

typical

Snow ploughing

Per home.

$91Lower than 18 of 27 similar towns. Typical: $167

typical

Police, fire and safety

Per home.

$464Lower than 27 of 27 similar towns. Typical: $689

typical

Fire department

Per home.

$184Lower than 22 of 27 similar towns. Typical: $240

typical

Police

Per home. Most small Ontario towns pay the OPP under the same province-wide formula.

$235Lower than 27 of 27 similar towns. Typical: $342

typical

Water, sewers and garbage

Per home.

$382Lower than 17 of 27 similar towns. Typical: $933

typical

Garbage, dump and recycling

Per home.

$130Lower than 25 of 27 similar towns. Typical: $306

typical

Parks, arena and library

Per home.

$503Lower than 14 of 27 similar towns. Typical: $523

typical

Planning and business

Per home.

$46Lower than 17 of 27 similar towns. Typical: $72

typical

Money health

Signs of whether the town is living within its means.

Savings compared with spending

Savings, as a share of one year's spending.

131%Higher than 26 of 27 similar towns. Typical: 68%

typical

Savings (reserves)

Money set aside for repairs and emergencies, per home. More is safer.

$5,681Higher than 23 of 27 similar towns. Typical: $3,361

typical

Long-term debt

What the town still owes on long-term loans, per home.

$0Lower than 22 of 27 similar towns. Typical: $961

typical

Unpaid property taxes

Property taxes owed but not yet paid at year end, as a share of all taxes billed. The Province’s financial indicators treat 10% to 15% as a moderate risk and more than 15% as high.

10%Higher than 15 of 27 similar towns. Typical: 10%

typical

Share spent running the office

Out of every dollar spent, how much goes to running the town office.

16%Lower than 23 of 27 similar towns. Typical: 21%

typical

How worn out things are

How much of the value of roads, pipes and buildings has already been used up. Higher means older.

52%Higher than 18 of 27 similar towns. Typical: 51%

typical

How fast costs are growing

Growth over five years (2020 to 2025), and the latest one-year change in property tax.

Property tax increase, last year

How much more the town collected in its own property tax than the year before.

5%Lower than 17 of 27 similar towns. Typical: 5%

typical

Property tax growth, 5 years

How much the town's own property tax grew over five years.

21%Lower than 17 of 27 similar towns. Typical: 25%

typical

Spending growth, 5 years

How much day-to-day spending grew over five years.

38%Higher than 20 of 27 similar towns. Typical: 32%

typical

Office cost growth, 5 years

How much the cost of running the town office grew over five years.

43%Higher than 20 of 27 similar towns. Typical: 26%

typical

Council cost growth, 5 years

How much council costs grew over five years.

62%Higher than 22 of 27 similar towns. Typical: 28%

typical

Parks and arena cost growth, 5 years

How much parks, arena and library costs grew over five years.

44%Lower than 15 of 27 similar towns. Typical: 48%

typical

Roads cost growth, 5 years

How much road and snow costs grew over five years.

30%Lower than 15 of 27 similar towns. Typical: 31%

typical

Source: Ontario Financial Information Return (FIR), 2025, all 28 municipalities (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.

Towns sort costs into categories a little differently, and some share services with neighbours, so small gaps mean little. Big gaps are worth a question.