Core Housing Need

Income, Shelter Cost and 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

Notes:

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).