Details of cuts to every local councils' budget from the Welsh government have been announced.
Funding for Ceredigion, Denbighshire and Powys will fall by 4.6% but Newport will only experience a 1.2% cut.
Prior to the announcement, the Welsh Local Government Association (WLGA) warned that most councils were unprepared for the scale of cuts.
Many of Wales' 22 councils have already started to plan for how they will meet their budget shortfalls.
It is expected that cuts to services such as libraries, refuse collections and public toilets will be made across the country.
The government's draft budget last week prioritised the health service, with £570m extra for the NHS.
Making the announcement, local government minister Lesley Griffiths said the total settlement was £4.26bn.
She acknowledged the situation was "extremely challenging".
The minister said she had included a mechanism ensuring no single council faced an "unmanageable reduction in their allocation" compared to last year, and had transferred over £30m in grants to give councils greater flexibility in managing resources.
"I could not have been clearer about the future financial reality facing local government in Wales and I have provided warning of the likely shape of budget reductions," Ms Griffiths said.
"For the last three years, the Welsh government has shielded local government from the full force of the cuts to allow them to prepare for the transformational change necessary to maintain vital local services, whilst limiting any additional financial pressure on hard-pressed households."
She said a consultation period would begin now which would end on 20 November.
Conservative local government shadow minister Janet Finch-Saunders said: "Labour, the nationalists and Lib Dems agreed a very challenging settlement for Welsh local authorities, which means tough decisions and a forensic scrutiny of council spending.
"The challenge for local authorities is to resist the easy options of putting up the Council Tax bills of hardworking families or cutting frontline services.
"Welsh councils need to go through their budgets line by line and eliminate wasteful spending, improve their tax collection rates and deliver services in more imaginative ways.
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