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by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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

Your town, in plain words

How The South Bruce Peninsula uses the money we share.

A clear, checkable guide to The South Bruce Peninsula's budget, taxes and council decisions. A town on the Bruce Peninsula in Bruce County, with a mayor, a deputy mayor and three councillors. Its Sauble Beach is at the centre of a land claim court case. Every figure links back to the public record.

Property tax raised in 2025$27.7Mall property in The South Bruce Peninsula47% Town39% County14% SchoolsSee where your tax bill goes →
Town spending, 2025$21MAbout $2,758 per household, down 2.3% from 2024.See the money →
Property tax change+2.5%The South Bruce Peninsula's own property tax came to $13.1M in 2025, against $12.8M in 2024.What changed →

Where it goes

Most of every dollar supports the everyday town.

Explore every service →
Water, sewers and garbage$4.8M · 23%
Roads and snow$4.6M · 22%
Police, fire and safety$4.5M · 22%
Running the town office$3.7M · 17%
Show all 8 servicesShow fewer
Parks, arena and library$2.8M · 13%
Social services$354K · 2%
Planning and business$247K · 1%
Health$20,029 · 0%

Day-to-day spending in 2025, from The South Bruce Peninsula's report to the Province.

A fair comparisonHow does The South Bruce Peninsula compare?Among 48 similar Ontario towns, The South Bruce Peninsula's day-to-day spending per household is on the low side.The South Bruce Peninsula is here · 16 of 48, lowest to highestCompare The South Bruce Peninsula →

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
Worth askingMoney health

What have the Sauble Beach land claim cost orders cost the Town, and where do they show in its financial statements?

$2,080,901.27the Town's share of the other side's costs plus the amount owed to Canada, from the May 21, 2024 ruling (added up by us)

The Town is a defendant in a court case brought by the Chippewas of Saugeen First Nation over part of Sauble Beach. In a ruling dated May 21, 2024, the court said who pays the costs of the first phase of the trial. It put 50 percent of the other side's costs on the Town ($1,610,901.27) and ordered the Town to pay another $470,000 to the federal government. Together that is $2,080,901.27 (worked out by us). The Court of Appeal later refused the Town permission to appeal those costs. The 2024 and 2025 financial statements we read do not print either amount.

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

Worth askingOpenness

Why does the Town's 2025 financial statement no longer mention the Sauble Beach land claim?

0mentions of the land claim in the 2025 financial statements we read (in the 2024 statements it was named in a note)

The 2024 statements had a note about the land claim: the Town was a defendant, a court decision went against it, and it was appealing. The 2025 statements have the same note number (16, Contingencies) but mention only insurance claims. We found no mention of the land claim, the First Nation or the court case anywhere in the 2025 statements' text. The case was still going: the Town's own page lists a document filed with the Supreme Court of Canada in February 2025, and its media release says a second phase about compensation was not expected to be decided until 2026 at the earliest.

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

Worth askingRising costs

What was the $2,901,779 the Town spent on outside services in general government in 2024?

$2,901,779contracted services in general government in 2024, against $671,448 in 2023 and $452,754 in 2025

General government is the part of the Town that runs the Town itself (administration, council, town buildings). The statements break its spending down by type. Spending on contracted services (work bought from outside companies) in that part was $671,448 in 2023, $2,901,779 in 2024 and $452,754 in 2025. In 2024 total general government spending was $5,461,490, against a budget of $3,325,680. The statements do not say what the 2024 amount was for.

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

Worth askingSpending level

Why did the Town spend $8,134,313 on capital in 2025 when it budgeted $12,942,500, and why did its yearly surplus come in so far below budget?

$8,134,313spent on capital in 2025, against a budget of $12,942,500

Capital means building or buying things that last, such as roads and buildings. For 2025 the Town budgeted $12,942,500 for these and spent $8,134,313. It also budgeted an annual surplus of $9,564,341 and ended with $5,222,028. Part of the gap is money from other municipalities for roads: $3,502,858 budgeted and $840,460 received. The Town's statements show projects still under way, which is a likely reason.

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

Show 7 more questionsShow fewer
Worth askingRising costs

Why did the cost of parks, arena and library grow 90% in 6 years?

+90%parks, arena and library, 2019 to 2025

The South Bruce Peninsula spent $1.5M on parks, arena and library in 2019 and $2.8M in 2025. Prices only went up about 21% in that time. Only 5 of 47 similar towns had faster growth here.

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

Worth askingRising costs

Why did the cost of water, sewers and garbage grow 100% in 6 years?

+100%water, sewers and garbage, 2019 to 2025

The South Bruce Peninsula spent $2.4M on water, sewers and garbage in 2019 and $4.8M in 2025. Prices only went up about 21% in that time.

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

Good to knowRecord-keeping

Why does the Town budget so little for investment income and recycling sales, year after year?

$610,053recycling sales in 2025, against a budget of $50,935

Two kinds of income came in far above the budget in both 2024 and 2025. Investment income was budgeted at $508,500 in 2024 and came in at $1,426,073. For 2025 it was budgeted at $891,926 and came in at $1,267,849. Sales of recycling materials were budgeted at $72,385 in 2024 and came in at $672,065, then budgeted at $50,935 in 2025 and came in at $610,053. The statements say the 2025 surplus, including an unrealized gain of $243,400, was moved into reserves as Council approved.

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

Good to knowMoney health

Why does the Town still carry a 5.46% bank loan while holding millions in investments?

$2,342,795owing on a 5.46% bank loan at the end of 2025

The Town owes a bank (Royal Bank of Canada) $2,342,795 on a loan at 5.46% due in November 2038, and paid $133,247 in interest on its debt in 2025. At the same time its statements list investments that include guaranteed investment certificates (GICs, which are fixed-term savings) paying 3.85% to 4.06% at one institution, and a credit-union balance of $10,862,910 in investment deposits.

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

Good to knowHow decisions are made

How much will council members be paid from 2027, how does that compare with now, and how will it grow?

$29,092the yearly pay for a Councillor from January 1, 2027, under By-Law 25-2026

By-Law 25-2026 sets council pay at $49,628 for the Mayor, $35,938 for the Deputy Mayor and $29,092 for a Councillor, starting January 1, 2027. After that it goes up each year by whatever raise non-union staff are given. We did not find the Town's yearly statement of what council members were actually paid, or the old rates, on the pages we read, so we cannot say how much of a change this is.

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

Good to knowOpenness

Will the 2027 budget be decided by the council voters choose on October 26?

January 19, 2027the date the proposed schedule gives for formal approval of the 2027 budget by by-law

The Town's proposed 2027 budget schedule has the draft budget going to council on December 1, 2026, a public meeting that evening, special budget meetings from December 7 to 15, 2026, and a formal approval by by-law on January 19, 2027. The election closes at 8:00 p.m. on October 26, 2026, so these meetings come after it.

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

Where your tax bill goes

A property tax bill in The South Bruce Peninsula pays for three governments. Only part of it goes to the town, and that part is what The South Bruce Peninsula council controls.

Tax bill split: The South Bruce Peninsula 47%, County or region 39%, Schools 14%
$27.7Mraised in 2025
  • The South Bruce Peninsula47%
  • County or region39%
  • Schools14%
  • 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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