Core Housing Need
Income, Shelter Cost and STIR


  1. Households in Core Housing Need
  2. Households Tested For Core Housing Need


  1. Income and Shelter Costs ($)
  2. Shelter-Cost-to-Income-Ratio (STIR) (%)

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St. Catharines - Niagara — Incomes and Shelter Costs (Households in Core Housing Need)

  Average Household Income Before Taxes Average Monthly Shelter Costs Median Household Income Before Taxes Median Monthly Shelter Costs
St. Catharines - Niagara 22,738 881 21,370 826
St. Catharines (Core) 22,119 841 20,815 801
St. Catharines (Remainder) 23,124 902 21,729 872
Niagara Falls (Core) 21,768 823 20,334 762
Niagara Falls (Remainder) 24,869 985 23,252 947
Welland 22,392 837 21,035 795
Remainder of CMA 22,807 908 21,625 822
Fort Erie 21,894 877 20,465 802
  • Data include all non-farm, non-band, non-reserve private households reporting positive incomes and shelter cost-to-income ratios less than 100 per cent.
  • A household is in core housing need if its housing does not meet one or more standards for housing adequacy (repair), suitability (crowding), or affordability and if it would have to spend 30 per cent or more of its before-tax income to pay the median rent (including utilities) of appropriately sized alternative local market housing. Adequate housing does not require any major repairs, according to residents. Suitable housing has enough bedrooms for the size and make-up of resident households. Affordable housing costs less than 30 per cent of before-tax household income.
  • For renters, shelter costs include, as applicable, rent and payments for electricity, fuel, water and other municipal services. For owners, shelter costs include, as applicable, mortgage payments (principal and interest), property taxes, condominium fees, and payments for electricity, fuel, water and other municipal services.
  • STIR = Shelter-cost-to-income ratio (based on annual shelter costs and household income before taxes).