Thousands of households in arrears on council rates
Rates have been rising quickly in many parts of the country in recent years.
When Stats NZ released consumer price index (CPI) data for the September quarter last week, it noted that rates were up 8.8 percent year-on-year.
That was lower than the 12.2 percent increase in the September 2024 quarter, but higher than the average increase of around 7.3 percent observed between 2018 and 2025.
Auckland Council's head of rates, valuations and data management, Rhonwen Heath, said 6.6 percent of rates, or 42,902 households were outstanding at the start of the 2025/2026 year.
"For the previous two years, 5.4 percent of rates were unpaid. Four years ago in 2022/2023, 8.2 percent of rates were outstanding.
"Throughout the year, reminder letters, follow-up calls and emails are issued to assist customers. Ratepayers can catch-up on any outstanding rates at any time during the rating year."
Wellington City Council said 7825 ratepayers were in arrears at the end of September, or 9.3 percent. They owed a total $39 million. In 2021, 7302 ratepayers had been in arrears, or 9.05 percent.
In Christchurch, 2.98 percent of properties had rates arrears, compared to 3 percent in 2021.
David Verry, a financial mentor at North Harbour Budgeting Services said before Covid, budget services rarely saw clients who had mortgages.
But as interest rates rose, that had started to change. Many households struggled with large home loan debt they had taken on while rates were low, he said.
"Whilst they were struggling to meet the fortnightly repayments, alongside all the other expenses, it was things like the rates bill that tipped them completely over the edge. This would have been common amongst the budgeting services.
"From what I've seen, rates increases across the country have been well above the rate of inflation ...Where there haven't been commensurate increases in incomes then things like the rates increases will tip people over the edge when budgets are tight. And things like insurance premiums may have also gone up too…along with electricity prices and the other cost of living increases."
He said it was not uncommon to see councils taking action under the Property Law Act to force a bank to pay rates and add the money to a mortgage.
It was something that was highlighted in Massey University's recent retirement expenditure guidelines.
Research lead Associate Professor Claire Matthews said rates were a growing problem for retired households.
She said some of the arrears could be a protest vote against council while others were because people could not afford them.
Jake Lilley, spokesperson for Fincap, the network that supports financial mentors, said rates and power costs were difficult for people on fixed incomes.
"The numbers in our Voices reports continue to show more homeowners presenting for assistance with financial mentors each year. We've seen a 38.7 percent increase in the proportion of debt listings where local government is the creditor between 2021 and 2024. However, the median amount of these debts has reduced to $1098 between 2023 and 2024.
"The data also captures dog registrations, parking infringements, library fines, and unpaid noise complaint fines and other local government debts as well as rates.
"Financial mentors have commented on lack of clarity and inconsistencies between different councils, which makes dealing with debt to council especially challenging. We've made recommendations to include debt to local government in the debt to government framework, and to ensure that there are effective hardship support policies at councils."
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The best board games to play (and gift) this summer
Over the holiday period, the right game can make all the difference. So which board games should you try out – and which ones should you gift?
1. Sushi Go Party
This colourful, fast-paced game has great art, and a "menu" that can be changed depending on the number of players (up to eight) and their familiarity with the game.
Players win the game by creating the best combination of cards, depending on what's available, by rotating the cards from player to player like a sushi train. It's easy to learn and relatively cheap.
2. Wavelength
In this party game, teams have to try and guess the location of a hidden target on a spectrum, using a clue from one "psychic" team member. The ends of the spectrum reflect two binaries, such as hot–cold or optional–mandatory, and the target falls somewhere in between.
The closer the team gets to where the psychic thinks the target should go, the more points they score. Wavelength is one of those games where no matter if your team gets it right or wrong, you can expect people to give their two cents.
3. Mysterium and Mysterium Park
In these team games, players play mediums seeking the counsel of another player – a ghost – who gives them clues to important information about murders in the house, including the ghost’s own murder.
The ghost offers the other players tarot cards with abstract artwork with which they must attempt to discern the murder weapon, location and culprit.
4. The Quacks of Quedlinburg
This game sees players take the role of potion makers at the local fair, who must push their luck by drawing ingredients out of a bag to make the best potions without them blowing up in their face. It’s simple to teach and hilarious when someone else blows up their cauldron (although arguably less when it’s you).
5. Modern Art
This is one of the most celebrated games from board game designer luminary Reiner Knizia. Players are art dealers auctioning off beautiful paintings done by five professional artists. Players might even forget to play as they get caught up in simply admiring the pieces they are auctioning off.
Modern Art remains a fiendishly clever game that is easy to learn but hard to master.
6. Heat: Pedal to the Metal
This strategic racing game is based on 1960s Formula 1 racing. The base game boasts four tracks on two gorgeous boards, and lovely little cars that pass each other and risk spinning out around corners.
7. Nemesis
By far the most expensive (and complicated) game on this list, Nemesis can best be described as Alien: the board game.
Players have to move through a spaceship, discovering rooms and items as they go, taking care not to alert the horrific extraterrestrials that have managed to get onto the ship – represented by amazingly designed pieces. It’s a truly tense and fun experience for a full afternoon.
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Today’s Mind-Bender is the Last of the Year! Can You Guess It Before Everyone Else? 🌟🎁🌲
I dance in the sky with green and gold, a spectacle few are lucky to behold; I’m best seen in the south, a celestial sight—what am I, lighting up the New Zealand night?
Do you think you know the answer? Simply 'Like' this post and we'll post the answer in the comments below at 2pm on the day!
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Poll: 🗑️ Would you be keen to switch to a fortnightly rubbish collection, or do you prefer things as they are?
Aucklanders, our weekly rubbish collections are staying after councillors voted to scrap a proposed trial of fortnightly pick-ups.
We want to hear from you: would you be keen to switch to a fortnightly rubbish collection, or do you prefer things as they are?
Keen for the details? Read up about the scrapped collection trial here.
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84% Same!
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16% Would have liked to try something different
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