Architectural Structure


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Keeping Our Communities' Best Interests In Mind  

Investment Chart


Who is CHAT?

Cobble  Hill  Association  of  Taxpayers  is  a

Cowichan Valley,  BC non-profit and non-partisan advocacy organization. We advocate for lower taxes, less waste, and accountable CVRD (Cowichan Valley Regional District) government spending.
CHAT was founded in 2017 in Cobble Hill by concerned citizens who were and continue to be alarmed at the consistent budget increases by CVRD which affect homeowner and business property taxpayers. 
Today, CHAT has grown to include members in many other communities of the Cowichan Valley. We represent and respond to a growing membership of homeowners.


CHAT Board members research public spending and policies, speak up and make presentations to the local government, meet with politicians and mobilize citizens to affect public policy change.
For further information or to join CHAT'S growing membership contact:

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Electoral Area  & Municipality

Elected Officials & Population

(   2016 Stats Canada Census & PDF Maps   )




of the



CVRD Tax Increase

is for


Parkland Acquisition


Screenshot 2021 CVRD Budget

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Screenshot CVRD 2021 Budget.png

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2021 Annual CVRD Budget

Increase + or -

How Your Property Taxes

Are Determined

Screenshot Budget-Assessment-Mill Rate-T

CVRD Elected Officials

Approve the Annual Budget


BC Provincial Government


Property Assessments


CVRD Budget

Divided by the

Total Property Assessments

of the Region

= Mill Rate (Tax Rate)


Mill Rate (Tax Rate)


Property Assessment

= Property Tax Bill

How Your Property Taxes

Are Determined


There are three basic factors that affect property taxes

1. CVRD Annual Budget


a. CVRD budget increases - Property Taxes will increase regardless of Mill Rate


b. Budget increases are different for each Electoral Area and Municipality


2. BC Property Assessments


 a. BC Provincial Government determines the Assessed value of all properties


b. Individual property assessments may increase or decrease at a different rate than the Area average


c. Individual Property assessments will determine the SHARE of CVRD taxes owing


3. Mill Rate (Tax Rate)

a. Total property assessment values are used to set the Mill Rate (tax rate)


b. The Mill Rate will DECREASE when total Property Assessments increase


c. Each Electoral Area and Municipality will have a different Mill Rate


d. Property taxes can increase even when the Mill Rate decreases


Budget Items


Electoral Areas



BC Assessments for Average Home & 2021 Mill Rate:


                                                        Avg. of BC Assmt.       Mill Rate

  Area A Mill Bay                                    $655,807              $201.34

  Area B Shawnigan Lake                     $642,292              $239.79

  Area C Cobble Hill                              $605,965              $210.91

  Area D Cowichan Bay                         $522,961              $247.54

  Area E  Glenora                                   $521,820               $217.01

  Area F  Cowichan Lake S.outh          $565,911               $253.38

  Area G  Saltair                                      $526,556              $138.67

  Area H  North Oyster                          $627,268               $124.00

  Area   YouBou                                   $615,088               $252.07


CVRD Annual Budget


Divided by


the Total Value of Property Assessments

= Mill Rate  


Source of information: CVRD website 

Is the CVRD Considering the B.C. Energy Step Code?

There are Pro’s and Con’s

…And ensure local governments use the regulation “Prudently”.

Synonyms for Prudently =

Sensibly – Judiciously – Cautiously – Carefully - Wisely



The BC Energy Step Code is an optional compliance path in the BC Building Code that local governments may use, if they wish, to incentivize or require a level of energy efficiency in new construction that goes above and beyond the requirements of the BC Building Code. Builders may voluntarily use the BC Energy Step Code as a new compliance path for meeting the energy-efficiency requirements of the BC Building Code. Learn more about the BC Energy Step Code and local government implementation efforts.

The Energy Step Code Council, an advisory body, supports local governments and industry as both begin putting the BC Energy Step Code to work. It serves as a “bridge” between governments, industry, and utilities, to identify and resolve implementation issues, provide support and resources, and ensure local governments use the regulation prudently. Learn more about the Council.



Architectural Structure
Wood Frame of House

Okanagan Home Builders

Challenge Energy Efficiency Initiative

New home buyers are absorbing an unfair financial hit from the cost of implementing an energy efficiency program to reduce greenhouse gas emissions, claims a study done by the Central Okanagan chapter of the Canadian Home Builders Association.

The program is called the B.C. Energy Step Code initiative, which is currently a voluntary measure but one the City of Kelowna has under consideration to make mandatory within its municipal limits.


The CHBA-CO says the implementation cost is up to five times the amounts initially estimated by the provincial Step Code Council that oversees the program.

“We cannot allow homeownership to become a privilege to only the wealthy.”

Source: Click Here

Good Water




Our Community

Public Water Districts are obliged to test the water frequently

Our water comes from a regulated Water Improvement District. This water is tested frequently, and so we can be confident that our water is as healthy and pure as bottled water.

For more information about our water…Please click on the links below.

Glasses of Water

Contact Us

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