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Not the full picture. Built from public records, which leave things out.Older reportDetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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
An older report. We have no 2024 report for Tay in the Province's latest release, so these pages use its 2022 report. It may simply be filed late.
Read by hand. We read Tay'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 / TayUpdated Oct 5, 2026

Your town, in plain words

How Tay uses the money we share.

A clear, checkable guide to Tay's budget, taxes and council decisions. A township in Simcoe County on Georgian Bay, with a mayor, a deputy mayor and five councillors. Every figure links back to the public record.

Your typical 2022 property tax bill$2,742on a $250K home61% Town25% County14% SchoolsSee your tax bill explained →
Town spending, 2022$14.4MAbout $2,571 per household, up 11.9% from 2021.See the money →
Property tax change+3.8%Tay's own property tax came to $10.3M in 2022, against $9.9M in 2021.What changed →

Where it goes

Most of every dollar supports the everyday town.

Explore every service →
Police, fire and safety$3.5M · 24%
Water, sewers and garbage$3.3M · 23%
Roads and snow$2.8M · 19%
Running the town office$2.4M · 17%
Show all 8 servicesShow fewer
Parks, arena and library$1.7M · 12%
Planning and business$491K · 3%
Social services$115K · 1%
Health$36,332 · 0%

Day-to-day spending in 2022, from Tay's report to the Province.

A fair comparisonHow does Tay compare?Among 94 similar Ontario towns, Tay's day-to-day spending per household is near the middle.Tay is here · 41 of 94, lowest to highestCompare Tay →

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 8 questions
Worth askingMoney health

How will Tay pay back the $17,083,184 of debt planned for the Victoria Harbour wastewater plant?

$17,083,184debt planned for the wastewater plant in 2026, on a project budgeted at $50,886,458

The 2026 budget has a capital budget (money for building and replacing things like pipes, plants and roads) of $60,035,288. That is far more than the $21,338,499 the Township plans to spend on day-to-day running costs in 2026. Most of the capital money is one project: the Victoria Harbour Wastewater Treatment Plant, with a total project budget of $50,886,458. The budget pays for it with a $29,514,145 provincial grant and $17,083,184 of "Debt Financing (DC)". We read "DC" as development charges, the fees the Township collects on new building, but the budget does not spell it out. At the end of 2022 (the latest audited year posted) the Township owed $6,420,265 in total debt, so this one project would add much more debt than the Township has ever carried.

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

Worth askingOpenness

Why are the newest audited financial statements on Tay's website for 2022, with the auditor's report signed in March 2024?

March 27, 2024date of the auditor's report on the 2022 statements, the newest we found posted

Audited financial statements are the yearly accounts, checked by an outside accountant. On the Township's Budget and Finances page we found audited statements for 2018 to 2022 and none for 2023 or 2024. The 2022 statements carry a clean opinion ("present fairly") from Pahapill and Associates, dated March 27, 2024, more than a year after the year ended. The 2026 budget book prints "2025 Actual" figures that it says are unfinished ("Year-end Entries for 2025 Not Completed At Time of Printing").

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

Worth askingMoney health

Why does Tay keep budgeting less bank interest than it earns, and then plan a lower number again for 2026?

$761,827bank interest shown for 2025 so far, against a budget of $507,000

The 2026 budget book shows 2025 results next to the budgets. For 2025 the Township budgeted $507,000 of bank interest and the book shows $761,827 so far. It budgeted $400,000 of interest and penalties on late taxes and the book shows $562,215. For 2026 it budgets $400,000 and $450,000. The 2025 "actual" figures are marked as unfinished, so they may change. Interest income helps the budget balance. The Township says the 2026 tax increase for the median home is $68.98 for its own part of the bill.

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

Worth askingSpending level

Why does the 2026 building budget expect more permit money than the Township took in during 2025?

$254,977building permit revenue shown for 2025, against a budget of $375,000 and a 2026 budget of $405,000

Building services are meant to pay for themselves from permit fees, not taxes. In 2025 the Township budgeted $375,000 from building permits and the book shows $254,977 so far. For 2026 it budgets $405,000 for permits and $89,870 for "building permit maintenance", up from $18,000 in 2025. In the same department, legal fees were budgeted at $1,000 for 2025 and the book shows $16,047, and the 2026 budget is $2,000. The 2025 figures are unfinished.

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

Show 4 more questionsShow fewer
Worth askingMoney health

Why are so many property taxes unpaid?

$2.2Mowed in unpaid property tax, end of 2022

At the end of 2022, $2.2M of property tax had been billed but not paid. That is 13% of everything billed. Only 4 of 93 similar towns had a higher share. A year earlier it was $1.4M.

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

Good to knowMoney health

Why does Tay hold a $1,742,821 loan to Newmarket-Tay Power with no due date?

$1,742,821note receivable from Newmarket-Tay Power, 5.48% interest, no due date

The Township owns all of Tay Hydro Inc., which owns 7% of Newmarket-Tay Power Distribution Ltd., the local power company. The 2022 statements list a $1,742,821 note receivable (a loan the Township is owed) from Newmarket-Tay Power. It pays 5.48% interest twice a year, has "no due date" and is unsecured. The Township received $95,507 in interest on it in 2022, and the same amount in 2021. The amount did not change between 2021 and 2022.

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

Good to knowSpending level

Why did Tay buy about half of the capital assets it planned in 2022?

$3,817,623capital assets bought in 2022, against a plan of $7,539,425

In 2022 the Township planned to buy $7,539,425 of capital assets (things like roads, buildings and equipment) and the audited statements show $3,817,623. It also expected $3,439,998 in government transfers and received $2,270,364. The Township still finished 2022 with a surplus of $2,746,682, against $2,209,593 planned. The statements do not say why the capital spending was lower.

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

Good to knowSpending level

What is the Township asking residents to pay for its own purposes in 2026, and what does the increase pay for?

$10,656,037Tay's own-purposes tax levy for 2026, up from $10,311,518 in 2025

The levy is the amount raised through property taxes. For Tay's own purposes the 2026 levy is $10,656,037, up from $10,311,518 in 2025. That is $344,519 more, or about 3.3% (worked out by us). The Township says the overall residential increase, with county and school parts, is 3.45%. It explains the budget as balancing "affordability with the investments needed" and lists the roads program, fire equipment, the 2026 election ($76,000) and community grants as highlights.

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

2022 tax year · Tay, 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 Tay'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 Tay.

a year in property tax, at 2022 rates

  • Tay
  • County or region
  • Schools

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

See what your Tay share pays forHide the breakdown

Roughly what your Tay share pays for

Source
  • Police, fire and safety
  • Roads and snow
  • Running the town office
  • Parks, arena and library
  • Planning and business
  • Social services
  • Health

An estimate. It uses the residential tax rate, and splits Tay's share by what each service cost in 2022 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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