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by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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

Your city, in plain words

How Temiskaming Shores uses the money we share.

A clear, checkable guide to Temiskaming Shores' budget, taxes and council decisions. A city in the District of Timiskaming in northeastern Ontario, with a mayor and six councillors. Every figure links back to the public record.

Your typical 2024 property tax bill$2,637on a $190K home89% City11% SchoolsSee your tax bill explained →
City spending, 2024$29.3MAbout $6,459 per household, up 5.0% from 2023.See the money →
Property tax change+6.1%Temiskaming Shores' own property tax came to $21M in 2024, against $19.8M in 2023.What changed →

Where it goes

Most of every dollar supports the everyday city.

Explore every service →
Water, sewers and garbage$6.9M · 24%
Roads and snow$6.2M · 21%
Police, fire and safety$4.1M · 14%
Parks, arena and library$3.6M · 12%
Show all 9 servicesShow fewer
Running the city office$3.1M · 11%
Planning and business$2.4M · 8%
Health$2.0M · 7%
Housing$629K · 2%
Social services$363K · 1%

Day-to-day spending in 2024, from Temiskaming Shores' report to the Province.

A fair comparisonHow does Temiskaming Shores compare?Among 13 similar Ontario cities, Temiskaming Shores' day-to-day spending per household is near the middle.Temiskaming Shores is here · 6 of 13, lowest to highestCompare Temiskaming Shores →

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 10 questions
Worth askingMoney health

Why did the City budget for a surplus in both 2024 and 2025, but end 2024 with a small deficit and 2025 with a surplus well above the plan?

$2,586,812surplus in 2025, against a budgeted $1,844,078 (2024: a deficit of $42,117, against a budgeted surplus of $1,676,959)

A surplus is what is left when a year's revenue is more than its spending. For 2025 the budget in the statements planned a surplus of $1,844,078 and the actual result was $2,586,812. For 2024 the budget planned a surplus of $1,676,959 and the actual result was a deficit of $42,117. In 2024 spending was $2,574,451 above the budgeted figure (worked out by us). In 2025 revenue was $2,655,810 above the budgeted figure and spending was $1,913,076 above it (both worked out by us). The City explains that it sets its tax rate on a different basis from the statements.

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

Worth askingRising costs

Why did roads and environmental services spending come in above budget in both 2024 and 2025?

$8,561,998spent on transportation services in 2025, against a budget of $8,070,060

In 2025 "Transportation services" was budgeted at $8,070,060 and came in at $8,561,998, which is $491,938 more (worked out by us). "Environmental services" (water, sewer and waste) was budgeted at $7,463,546 and came in at $7,964,007, which is $500,461 more (worked out by us). In 2024 the gaps were larger: transportation $1,320,457 and environmental $1,196,431 above budget (both worked out by us). The same two lines were over budget in both years.

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

Worth askingMoney health

Which revenue lines came in above budget in 2025, and which fell short?

$3,400,777user charges in 2025, against a budget of $2,544,970

Total revenue was $37,731,883 against a budget of $35,076,073. Three lines were well above budget: user charges (fees for services) at $3,400,777 against $2,544,970, which is $855,807 more; "Other" at $1,665,719 against $864,720, which is $800,999 more; and federal operating grants at $1,406,425 against $949,500. One line was well below: operating provincial grants at $4,082,108 against $5,053,408, which is $971,300 less. The dollar gaps are worked out by us.

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

Worth askingMoney health

Does Temiskaming Shores have enough saved for repairs and emergencies?

$6.1Min savings at the end of 2024

Places keep savings (called reserves) to pay for new trucks, roof repairs and surprises. Temiskaming Shores had $6.1M saved at the end of 2024, down from $7.7M in 2019. That is 21% of one year's spending. Only 1 of 12 similar places had less, compared with what they spend.

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

Show 6 more questionsShow fewer
Good to knowMoney health

How much of the 2025 result was put into reserves?

$7,619,230reserves list total at the end of 2025, up from $6,117,698

A reserve is money council sets aside for a later purpose. On the tax-levy basis the City budgeted a surplus of $726,397 and ended with $1,555,761. The statements show a transfer to reserves of $1,728,165 against a budgeted $726,397. The reserves list in the accumulated surplus note totals $7,619,230 at the end of 2025, up from $6,117,698 a year earlier, an increase of $1,501,532 (worked out by us).

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

Good to knowMoney health

Is the City setting money aside for the $8.3 million it expects to owe for landfill closure and cleanup of buildings and wells?

$8,320,720asset retirement obligations at the end of 2025 (2024: $8,148,315)

The City reports a liability of $8,320,720 at the end of 2025 for closing and cleaning up landfill sites, a gravel pit, buildings with hazardous materials, and water wells and pumphouses (an "asset retirement obligation"). The accumulated surplus note lists the same $8,320,720 as "Unfinanced asset retirement obligations", which means no money has been set aside against it.

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

Good to knowMoney health

What would happen if the Seniors Housing Corporation could not repay the loan the City has guaranteed?

$2,072,804outstanding on a bank loan the City has guaranteed for the Seniors Housing Corporation

The City has guaranteed a loan of $2,305,959 with TD Bank for Temiskaming Shores Seniors Housing Corporation. At December 31, 2025 the outstanding balance was $2,072,804 (2024: $2,120,773). The statements list this as a contingent liability, which is a cost the City would only pay if something goes wrong.

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

Good to knowMoney health

How did the City cut its net debt by about $3.2 million in 2025, and will that continue?

$11,652,571net debt at the end of 2025, down from $14,806,057

Net debt is what the City owes less the financial assets it holds (cash, money owed to it). It stood at $11,652,571 at the end of 2025, down from $14,806,057 a year earlier; the statements call the change a decrease in net debt of $3,153,486. Municipal debt (loans and debentures) fell from $12,775,440 to $10,951,082. The City paid $394,684 in interest in 2025 (2024: $332,949) and repaid $1,824,358 of debt principal, and issued no new debt in 2025.

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

2024 tax year · Temiskaming Shores, 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 Temiskaming Shores'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 Temiskaming Shores.

Source

a year in property tax, at 2024 rates

  • Temiskaming Shores
  • Schools

Temiskaming Shores council sets only its own share. the Province sets the school rate.

See what your Temiskaming Shores share pays forHide the breakdown

Roughly what your Temiskaming Shores share pays for

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

An estimate. It uses the residential tax rate, and splits Temiskaming Shores'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

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

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