Heather Cosgrove
Bluewater District School Board/Elementary Teacher
2025 Salary
$116,699Total compensation $116,802, including $102 in taxable benefits.
Source: Ontario’s Public Sector Salary Disclosure — names paid $100,000 or more that year. How we build this · Report an error on this page
At a Glance
2025
Employer Rank
#553Bluewater District School Board
Years on List
42021–2025
Peak Salary
$129,6062024
Full 2025 roster at Bluewater District School Board →·See where $116,699 ranks →
Total Compensation History
Full History
2021–2025
$103,856 in 2021 is worth about $120,432 in 2025 dollars.
| Year | Position | Salary |
|---|---|---|
| 2025 | Elementary TeacherBluewater District School Board | $116,699Benefits $102Total $116,802 |
| 2024 | Elementary TeacherBluewater District School Board | $129,606Benefits $98Total $129,705 |
| 2022 | Elementary TeacherBluewater District School Board | $101,701Benefits $89Total $101,790 |
| 2021 | Elementary TeacherBluewater District School Board | $103,856Benefits $87Total $103,943 |
Take-Home Pay
(After Tax) · 2025 estimate
Heather Cosgrove was paid $116,699 in 2025; after income tax, CPP and EI that is roughly $85,023, an effective income-tax rate of about 22.4%. That is about 1% below the 2025 median of $118,036 for Elementary Teacher on the Sunshine List. Records under this name have appeared on the Sunshine List 4 years in all, first in 2021. Most School Boards employees belong to OTPP for teachers or OMERS, so actual take-home is likely another 7–10% lower after pension contributions.
- Estimated net pay
- ~$85,023
- Effective income-tax rate (excl. CPP/EI)
- ~22.4%
- CPP + EI contributions
- ~$5,507
- All-in deduction rate (incl. CPP/EI)
- ~27.1%
- vs. 2025 Elementary Teacher median
- −1%
Where does $116,699 rank on the Sunshine List? →
Estimate only: 2025 federal and Ontario rates, basic personal amounts, Canada employment amount and CPP/EI credits; single, employment income only, salary treated as full-year income. Ignores pension contributions (OMERS, HOOPP, OTPP, OPTrust and similar plans lower actual take-home), union dues, RRSPs and benefits.