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	28,080	1,093	26,200	1,000
St. Catharines (Core)	27,440	1,050	26,200	950
St. Catharines (Remainder North)	28,120	1,110	26,400	1,030
St. Catharines (Remainder South)	28,550	1,152	26,600	1,080
Niagara Falls (Core)	27,360	1,041	25,000	990
Niagara Falls (Remainder)	30,720	1,209	28,800	1,100
Welland	28,000	1,051	26,000	970
Remainder of CMA	27,880	1,123	26,000	1,000
Fort Erie	26,600	1,012	25,000	950

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).