The council proposes a re-ordering of rating differentials, and faced particular concerns from residents of Bay View amid possible increases without increased services.
The Bay View area was drawn into the boundaries of the City Council in the 1989 local government reforms which did-away with the Hawke's Bay County Council, of which Bay View had previously been a part.
The Revenue and Finance Policy is the first rate structure review in Napier in more than 30 years, with councillors agreed a review was long overdue.
On Friday, fifth-term councillor Keith Price empathised with Bay View resident concerns, telling the meeting he and fellow Ahuriri Ward member Hayley Browne were "taken on a tour" of the area's roads.
With Bay View in his Ward, he conceded the conditions "were disgusting" and added: "If they were in the city they'd be fixed."
The Council had been hoping to complete deliberations by midday, but Mayor Kirsten Wise told the meeting: "We've only got the room booked until 12 o'clock."