Rates cap dashboard - How much would you have saved?
Rates caps are coming, but not until 2029. That means another three years of councils ramping up your rates. The Taxpayers' Union can exclusively reveal how much you would have saved over the last three years if the Government's rates cap had been in place.
On average, each Kiwi household would have saved $863.65 if annual rates increases were capped at 2 percent and $669.85 with a 4 percent cap.
Can you afford three more years of this? See how much you've already lost out on below.
*Average residential rates for 2022/23 were gathered through Official Information Act requests. 2025/26 average residential rates were calculated by multiplying these figures by the cumulative average rates hike in each area over the past three years.
More information on these rates hikes can be found at www.taxpayers.org.nz/rates2025
Unitary authorities
| Council Name | 2022/23 Average Residential Rates | 3-Year Rates Increase | 2025/26 Average Residential Rates* | Saving (4% Rates Cap) | Saving (2% Rates Cap) |
|---|---|---|---|---|---|
| Auckland Council | $2,992.00 | 20.90% | $3,617.33 | $251.73 | $442.19 |
| Chatham Islands Council | N/A | 17.81% | N/A | N/A | N/A |
| Gisborne District Council | $3,166.00 | 30.45% | $4,130.05 | $568.73 | $770.26 |
| Marlborough District Council | $3,069.00 | 32.46% | $4,065.20 | $612.99 | $808.35 |
| Nelson City Council | $3,402.00 | 23.53% | $4,202.49 | $375.70 | $592.26 |
| Tasman District Council | $3,476.13 | 31.24% | $4,562.07 | $651.90 | $873.18 |
Non Unitary Authorities
| Council Name | 2022/23 Average Residential Rates | 3-Year Rates Increase | 2025/26 Average Residential Rates* | Saving (4% Rates Cap) | Saving (2% Rates Cap) |
|---|---|---|---|---|---|
| Ashburton District Council | $3,297.61 | 27.12% | $4,191.92 | $482.56 | $692.47 |
| Buller District Council | $2,244.00 | 30.26% | $2,923.03 | $398.84 | $541.68 |
| Carterton District Council | $4,296.80 | 28.46% | $5,519.67 | $686.35 | $959.87 |
| Central Hawke's Bay District Council | $2,919.72 | 42.90% | $4,172.28 | $887.99 | $1,073.85 |
| Central Otago District Council | $2,672.79 | 47.95% | $3,954.39 | $947.87 | $1,118.01 |
| Christchurch City Council | $3,217.00 | 24.25% | $3,997.12 | $378.44 | $583.22 |
| Clutha District Council | $2,366.66 | 39.85% | $3,309.77 | $647.60 | $798.26 |
| Dunedin City Council | $2,804.90 | 38.53% | $3,885.63 | $730.50 | $909.05 |
| Far North District Council | $2,917.89 | 23.80% | $3,612.35 | $330.12 | $515.86 |
| Gore District Council | $2,991.64 | 46.60% | $4,385.74 | $1,020.56 | $1,210.99 |
| Grey District Council | $2,692.74 | 36.98% | $3,688.52 | $659.55 | $830.96 |
| Hamilton City Council | $2,971.00 | 41.15% | $4,193.57 | $851.60 | $1,040.72 |
| Hastings District Council | $3,123.00 | 48.76% | $4,645.77 | $1,132.82 | $1,331.62 |
| Hauraki District Council | $3,007.00 | 35.92% | $4,087.11 | $704.65 | $896.06 |
| Horowhenua District Council | $3,302.80 | 38.43% | $4,572.07 | $856.87 | $1,067.11 |
| Hurunui District Council | $2,646.83 | 23.31% | $3,263.81 | $286.48 | $454.97 |
| Hutt City Council | $3,081.27 | 44.66% | $4,457.37 | $991.36 | $1,187.50 |
| Invercargill City Council | $2,583.97 | 24.28% | $3,211.36 | $304.74 | $469.23 |
| Kaikōura District Council | $3,102.63 | 31.25% | $4,072.20 | $582.17 | $779.67 |
| Kaipara District Council | $2,696.00 | 23.79% | $3,337.38 | $304.75 | $476.36 |
| Kapiti Coast District Council | $3,477.00 | 35.05% | $4,695.69 | $784.54 | $1,005.87 |
| Kawerau District Council | $2,553.00 | 31.72% | $3,362.81 | $491.03 | $653.55 |
| Mackenzie District Council | $2,643.81 | 39.92% | $3,699.22 | $725.29 | $893.59 |
| Manawatū District Council | $3,883.11 | 21.37% | $4,712.93 | $344.96 | $592.14 |
| Masterton District Council | $2,956.89 | 25.12% | $3,699.66 | $373.56 | $561.79 |
| Matamata-Piako District Council | $3,097.00 | 39.29% | $4,313.81 | $830.11 | $1,027.25 |
| Napier City Council | $2,526.00 | 43.30% | $3,619.76 | $778.35 | $939.15 |
| New Plymouth District Council | $2,883.19 | 37.73% | $3,971.02 | $727.82 | $911.35 |
| Ōpōtiki District Council | $3,246.52 | 41.95% | $4,608.44 | $956.54 | $1,163.20 |
| Ōtorohanga District Council | N/A | 28.61% | N/A | N/A | N/A |
| Palmerston North City Council | N/A | 24.88% | N/A | N/A | N/A |
| Porirua City Council | $3,688.00 | 33.45% | $4,921.64 | $773.14 | $1,007.90 |
| Queenstown-Lakes District Council | $3,868.00 | 50.23% | $5,810.90 | $1,459.92 | $1,706.14 |
| Rangitīkei District Council | $2,914.62 | 30.08% | $3,791.34 | $512.79 | $698.32 |
| Rotorua Lakes Council | $2,805.00 | 31.61% | $3,691.66 | $536.42 | $714.97 |
| Ruapehu District Council | N/A | 27.13% | N/A | N/A | N/A |
| Selwyn District Council | $3,104.00 | 38.96% | $4,313.32 | $821.74 | $1,019.33 |
| South Taranaki District Council | $2,480.69 | 25.52% | $3,113.76 | $323.32 | $481.23 |
| South Waikato District Council | $2,853.49 | 44.40% | $4,120.44 | $910.65 | $1,092.29 |
| South Wairarapa District Council | $3,403.10 | 45.11% | $4,938.24 | $1,110.21 | $1,326.84 |
| Southland District Council | $2,507.24 | 31.15% | $3,288.25 | $467.94 | $627.54 |
| Stratford District Council | $3,017.76 | 34.46% | $4,057.68 | $663.11 | $855.21 |
| Tararua District Council | $2,869.86 | 37.97% | $3,959.55 | $731.34 | $914.03 |
| Taupō District Council | $3,114.86 | 27.85% | $3,982.35 | $478.55 | $676.83 |
| Tauranga City Council | $3,816.13 | 35.98% | $5,189.17 | $896.55 | $1,139.47 |
| Thames-Coromandel District Council | $3,625.31 | 36.06% | $4,932.60 | $854.62 | $1,085.39 |
| Timaru District Council | $2,594.72 | 39.26% | $3,613.41 | $694.70 | $859.87 |
| Upper Hutt City Council | $2,652.22 | 46.92% | $3,896.64 | $913.25 | $1,082.08 |
| Waikato District Council | $3,765.06 | 27.15% | $4,787.27 | $552.09 | $791.76 |
| Waimakariri District Council | $3,331.12 | 22.00% | $4,063.97 | $316.91 | $528.96 |
| Waimate District Council | $2,666.63 | 33.40% | $3,557.28 | $557.69 | $727.44 |
| Waipā District Council | $3,169.18 | 40.55% | $4,454.28 | $889.39 | $1,091.12 |
| Wairoa District Council | $2,449.97 | 39.04% | $3,406.44 | $650.56 | $806.51 |
| Waitaki District Council | $2,866.02 | 34.79% | $3,863.11 | $639.23 | $821.67 |
| Waitomo District Council | $2,989.84 | 20.98% | $3,617.11 | $253.95 | $444.27 |
| Wellington City Council | $3,730.00 | 47.03% | $5,484.22 | $1,288.48 | $1,525.91 |
| Western Bay of Plenty District Council | $3,238.18 | 32.44% | $4,288.65 | $646.13 | $852.26 |
| Westland District Council | $2,608.08 | 34.60% | $3,510.48 | $576.74 | $742.76 |
| Whakatāne District Council | $3,643.00 | 40.66% | $5,124.24 | $1,026.36 | $1,258.26 |
| Whanganui District Council | $3,141.52 | 22.62% | $3,852.13 | $318.35 | $518.33 |
| Whangārei District Council | $2,580.24 | 38.73% | $3,579.57 | $677.15 | $841.40 |
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