PROPERTY TAX PROJECTIONS - Reality Or Smoke and Mirrors?


PROMISED vs. DELIVERED – AND WHAT THEY’RE PROMISING NOW!

Nanaimo municipal tax increases 2021–2030


What they promised last time (2021–2025 Plan)

From the 2021–2025 Financial Plan (municipal increase, including 1% asset management):

Year “Planned” general Asset mgmt Total PROMISED increase
2021 2.0% 1.0% 3.0%
2022 2.6% 1.0% 3.6%
2023 2.5% 1.0% 3.5%
2024 2.2% 1.0% 3.2%
2025 1.6% 1.0% 2.6%

Message at the time: “Stable, modest 3%-ish increases, trending down by 2025.”


What actually happened (2021–2025 real tax increases)

Actual municipal tax increases adopted by council:

Year PROMISED total ACTUAL municipal increase Difference
2021 3.0% 3.0% 0.0 pts
2022 3.6% 6.0% +2.4 pts
2023 3.5% 7.2% +3.7 pts
2024 3.2% 7.7% +4.5 pts
2025 2.6% 7.8% +5.2 pts

The record:

  • The only year that matched the plan was 2021.

  • From 2022 on, council delivered almost double the promised increases.

  • By 2025, taxpayers were hit with an increase over 5 points higher than the original plan for that year.


What they’re “promising” now (2026–2030 Draft Plan)

From the current 2026–2030 draft financial plan (municipal increase):

Year General Asset mgmt Draft total increase
2026 6.1% 1.0% 7.1%
2027 4.1% 1.0% 5.1%
2028 1.9% 1.0% 2.9%
2029 2.7% 0.0% 2.7%
2030 2.3% 0.0% 2.3%

Election-year optics?

  • In the previous 2025–2029 plan, 2026 was listed as 7.7%.

  • In the new 2026–2030 plan, 2026 is now 7.1% (slightly softer).

  • But 2027 jumps from 3.5% (old plan) to 5.1% (new draft).

  • Later years are presented as “comfortable” 2–3% increases.


Fine print that matters

  • The City notes that major projects and future wage deals are not fully costed into the later years of the plan.

  • That means those nice low 2–3% increases in the late 2020s do not include the full cost of the very projects used to justify all the borrowing.

  • Last time they projected gentle 3% increases, taxpayers actually got repeated 6–8% hikes.

  • Question for readers: “Given this track record, how much confidence should we place in the ‘promised’ numbers to 2030?”

Past behaviour is the best predictor of future behaviour.
Nanaimo’s 5-year “projections” have consistently under-stated the real tax bite.

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