Core Housing Need
Income, Shelter Cost and STIR

Universe

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

Variables

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

Display Options:

  1. Metropolitan Major Area
  2. Historical Time Periods

Note:

Changes to display settings will reset date settings to most recent data. Available display settings are subject to change based upon data available.

Ontario — STIRs (Households in Core Housing Need)

  Average STIR Before Taxes Median STIR Before Taxes
Ontario 48.7 45.2
Barrie 49.8 46.8
Belleville - Quinte West 46.1 42.8
Bracebridge T 46.9 42.8
Brantford 48.9 45.6
Brighton MU 51.6 48.8
Brock TP 46.1 40.0
Brockville 47.5 43.6
Centre Wellington 50.5 46.4
Chatham-Kent 47.7 43.6
Cobourg 48.4 44.4
Collingwood 51.7 48.4
Cornwall 47.2 43.6
Elliot Lake 44.3 40.0
Erin T 51.6 46.0
Gravenhurst T 47.5 44.8
Greater Napanee T 49.2 47.6
Greater Sudbury / Grand Sudbury 46.6 43.6
Guelph 48.3 44.8
Haldimand County CY 51.1 48.4
Hamilton 48.3 44.8
Hawkesbury 50.2 47.6
Huntsville T 47.3 42.4
Ingersoll 52.6 51.2
Kawartha Lakes 48.0 45.2
Kenora 49.6 48.0
Kincardine MU 47.4 46.8
Kingston 48.0 45.2
Kitchener - Cambridge - Waterloo 49.5 46.4
Lambton Shores MU 45.3 41.2
London 48.1 45.2
Meaford MU 52.6 48.8
Midland 49.8 48.0
Norfolk 51.2 47.2
North Bay 48.0 44.4
North Perth MU 51.4 46.4
Orillia 49.2 46.4
Oshawa 49.0 45.6
Ottawa 46.3 43.2
Owen Sound 46.8 42.0
Pembroke 45.6 44.4
Petawawa 50.4 48.8
Peterborough 48.2 44.8
Port Hope 46.4 43.2
Prince Edward County CY 48.8 46.4
Sarnia 47.7 44.0
Saugeen Shores T 47.0 41.6
Sault Ste. Marie 49.5 46.4
Scugog TP 50.3 47.6
South Dundas MU 51.2 44.8
South Huron MU 53.8 50.8
St. Catharines - Niagara 49.0 45.6
Stratford 49.8 46.8
The Nation / La Nation M 50.4 47.6
Thunder Bay 45.3 42.0
Tillsonburg 49.4 46.0
Timmins 47.4 45.2
Toronto 49.6 46.4
Trent Hills MU 50.4 47.6
Wasaga Beach 49.8 46.4
West Grey MU 50.4 46.8
West Nipissing / Nipissing Ouest M 44.1 40.8
Windsor 47.6 44.4
Woodstock 48.8 46.4
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).
Source: CMHC (census-based and NHS-based housing indicators and data) (opens in new window)