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by hand, Oct 2026DetailsThis is built from public records, which leave a lot out, and some of it may be wrong or out of date.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

Your town, in plain words

How Zorra uses the money we share.

A clear, checkable guide to Zorra's budget, taxes and council decisions. A rural township in Oxford County, with a mayor and four ward councillors. Every figure links back to the public record.

Property tax raised in 2025$25.5Mall property in Zorra49% Town35% County16% SchoolsSee where your tax bill goes →
Town spending, 2025$12.1MAbout $3,174 per household, up 10.2% from 2024.See the money →
Property tax change+3.4%Zorra's own property tax came to $12.4M in 2025, against $12M in 2024.What changed →

Where it goes

Most of every dollar supports the everyday town.

Explore every service →
Roads and snow$4.9M · 41%
Police, fire and safety$2.8M · 23%
Parks, arena and library$2.1M · 17%
Running the town office$1.9M · 15%
Show all 7 servicesShow fewer
Health$207K · 2%
Planning and business$188K · 2%
Water, sewers and garbage$13,601 · 0%

Day-to-day spending in 2025, from Zorra's report to the Province.

A fair comparisonHow does Zorra compare?Among 47 similar Ontario towns, Zorra's day-to-day spending per household is near the middle.Zorra is here · 26 of 47, lowest to highestCompare Zorra →

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

Why did the Township's savings accounts grow by about $2.4 million in 2025 while it bought less than it planned?

$2,394,631increase in total reserves during 2025 (worked out by us)

Reserves are money a council sets aside in savings accounts for later costs. Total reserves rose from $8,541,790 to $10,936,421 in 2025, a rise of $2,394,631 (worked out by us). The reserve for replacing capital (roads, bridges, buildings, vehicles) rose from $5,021,281 to $7,028,191. At the same time, the statements show the Township bought $3,046,245 of capital assets against a budgeted $4,465,149, and cash rose by $1,401,553.

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

Worth askingMoney health

Why did the money owed to the Township for drainage work rise by about $1 million in 2025?

$2,457,648drains receivable at December 31, 2025, up from $1,448,441

The statements list "Drains receivable", money the Township expects to collect for municipal drainage work. It rose from $1,448,441 to $2,457,648 in 2025, an increase of $1,009,207 (worked out by us). We did not find a note in the statements that explains the increase or says how it will be collected.

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

Worth askingRising costs

Why did the budget for policing rise by about 19% in 2025, and how is the provincial relief money being used?

$1,407,1002026 budget for policing services, after $1,478,974 in 2025

Policing (the contract with the Ontario Provincial Police) is one of the largest single lines. Its budget rose from $1,243,287 in 2024 to $1,478,974 in 2025, a rise of $235,687 (worked out by us), then falls to $1,407,100 in the final 2026 budget. The Township's draft budget report says Council did not lower the 2025 budget when the province gave relief, and instead moved the relief to a reserve to fund later adjustments.

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

Worth askingRising costs

Why did the cost of running the town office grow 79% in 6 years?

+79%running the town office, 2019 to 2025

Zorra spent $1.0M on running the town office in 2019 and $1.9M in 2025. Prices only went up about 21% in that time. Only 6 of 46 similar towns had faster growth here.

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

Show 7 more questionsShow fewer
Worth askingRising costs

Why did the cost of roads and snow grow 49% in 6 years?

+49%roads and snow, 2019 to 2025

Zorra spent $3.3M on roads and snow in 2019 and $4.9M in 2025. Prices only went up about 21% in that time. Only 5 of 46 similar towns had faster growth here.

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

Good to knowSpending level

Why do the 2025 statements show spending $2.7 million above the budget column?

$2,702,951gap between budgeted and actual spending in 2025 (worked out by us); $2,499,531 of it is amortization

The audited statements for 2025 print a budget column beside the actual results. Total spending was budgeted at $11,846,790 and came in at $14,549,741, a gap of $2,702,951 (worked out by us). The Township says it does not put amortization (the yearly write-down of what roads, buildings and equipment are worth as they wear out) in its budget, but the statements do count it. Amortization was $2,499,531, which explains most of the gap. About $203,420 is left after taking it out (worked out by us). Transportation (roads and bridges) shows the largest line gap: $4,759,261 budgeted and $6,701,687 actual.

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

Good to knowMoney health

Is the Township's debt coming down as planned, now that it holds more financial assets than it owes?

$9,332,125net long-term liabilities at December 31, 2025, down from $10,218,982

At the end of 2025 the Township's financial assets were greater than its liabilities: net financial assets of $2,848,201, after net debt of $(176,839) a year earlier. Long-term debt fell from $10,218,982 to $9,332,125. The notes list repayments of $865,853 due in 2026 and $644,162 in 2027, and interest paid on long-term debt was $436,344 in 2025.

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

Good to knowRising costs

Why do many 2026 insurance lines drop by about a quarter?

$23,8502026 budget for general insurance under financial expenses, down from $32,000

The final 2026 budget shows general insurance falling in many departments. General insurance under financial expenses goes from $32,000 to $23,850. Fire insurance goes from $38,260 to $28,500. The building department's insurance line goes from $24,270 to $18,100. The Township's draft budget report lists "insurance savings" and says part of the savings is going into an insurance reserve.

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

Good to knowSpending level

Why does the 2026 budget for council rise by 6.82%, and the election line by almost half?

$156,5352026 budget for council, up from $146,536

The 2026 budget for council is $156,535, up from $146,536 in 2025. Council honorariums (pay) are budgeted at $121,782. Conference costs go from $5,000 to $9,000. Separately, the elections budget goes from $16,850 to $25,000, with voters' supplies going from $1,850 to $30,000. An Ontario municipal election is held on October 26, 2026. We did not find a published statement of council pay on the Township's site, so we could not check what members were paid.

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

Good to knowHow decisions are made

What does the Township get from its 5.41% share of ERTH Corporation, the local electricity company?

$3,146,055value of the Township's investment in ERTH at December 31, 2025

The Township owns 5.41% of ERTH Corporation. The investment is worth $3,146,055 in the statements: a promissory note (a loan to ERTH) of $815,000 at 7.25%, and equity of $2,331,055. In 2025 the Township received interest of $59,088 and its share of a dividend of $55,714, together $114,802 (worked out by us). The 2026 budget counts on $108,000 from interest and dividends.

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

Where your tax bill goes

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

Tax bill split: Zorra 49%, County or region 35%, Schools 16%
$25.5Mraised in 2025
  • Zorra49%
  • County or region35%
  • Schools16%
  • 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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