Core Housing Need

Income, Shelter Cost and STIR

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Ontario — STIRs (Households Tested for Core Housing Need)

	Average STIR Before Taxes	Median STIR Before Taxes
Ontario	22.2	18.4
Barrie	23.0	19.4
Belleville - Quinte West	20.1	16.8
Bracebridge T	20.4	16.8
Brantford	21.2	18.0
Brighton MU	17.8	14.3
Brock TP	20.9	18.2
Brockville	20.1	16.6
Centre Wellington	19.6	17.2
Chatham-Kent	18.5	14.8
Cobourg	21.6	17.8
Collingwood	23.2	18.6
Cornwall	20.5	16.8
Elliot Lake	20.0	16.4
Erin T	19.3	16.2
Gravenhurst T	20.4	16.6
Greater Napanee T	20.4	16.4
Greater Sudbury / Grand Sudbury	19.3	15.8
Guelph	21.7	18.4
Haldimand County CY	19.3	16.2
Hamilton	21.9	18.4
Hawkesbury	21.8	18.8
Huntsville T	19.7	15.9
Ingersoll	19.9	17.2
Kawartha Lakes	20.1	16.2
Kenora	19.2	15.4
Kincardine MU	17.4	13.7
Kingston	21.6	17.8
Kitchener - Cambridge - Waterloo	21.6	18.4
Lambton Shores MU	17.1	13.2
London	21.6	18.0
Meaford MU	20.1	15.7
Midland	21.9	18.2
Norfolk	18.6	15.1
North Bay	20.5	17.0
North Perth MU	20.1	16.8
Orillia	23.5	20.0
Oshawa	22.5	19.2
Ottawa	20.4	17.2
Owen Sound	20.4	17.0
Pembroke	19.7	16.4
Petawawa	16.0	13.7
Peterborough	21.4	17.6
Port Hope	20.7	16.6
Prince Edward County CY	18.9	14.5
Sarnia	18.3	14.4
Saugeen Shores T	17.5	14.0
Sault Ste. Marie	18.7	14.9
Scugog TP	18.8	15.3
South Dundas MU	17.8	14.3
South Huron MU	18.5	15.2
St. Catharines - Niagara	21.4	17.8
Stratford	20.8	17.6
The Nation / La Nation M	17.9	15.8
Thunder Bay	18.3	14.9
Tillsonburg	19.9	16.6
Timmins	19.1	15.2
Toronto	24.6	20.6
Trent Hills MU	19.6	15.9
Wasaga Beach	19.8	16.2
West Grey MU	17.6	14.3
West Nipissing / Nipissing Ouest M	20.1	16.2
Windsor	19.2	15.6
Woodstock	21.4	18.0

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).