Common Keys

York Region offers long-term subsidized housing through Housing York Inc. and other non-profit organizations, providing affordable housing to low- and moderate-income individuals, families, and seniors. Rent is set at about 30% of the household’s gross income, or a fixed rate for those on OW/ODSP, with some applicants eligible for portable rent supplements. To apply, individuals must submit an application through the Housing Access portal or by mail, and they will be placed on a waitlist, requiring regular updates to keep the application active. Eligibility includes being 16 or older, a Canadian citizen or permanent resident, with household income under $80,000 and assets under $75,000, with priority given to those in urgent situations.

The Rent-Geared-to-Income (RGI) subsidy program in Toronto helps low- and moderate-income residents by reducing rent payments to about 30% of their gross household income. For those on OW or ODSP, rent is calculated based on a fixed shelter allowance, ensuring housing remains affordable despite income changes. Applicants can apply through the MyAccessToHousingTO portal or by paper application, and their submission will be placed on a centralized waitlist, requiring yearly updates. Eligibility includes being 16 or older, a Canadian citizen, permanent resident, or refugee claimant, with household income under $90,000, and priority may be given to those fleeing abuse or facing medical emergencies or homelessness.

Habitat for Humanity GTA is a non-profit organization that offers an interest-free, down payment-free route to homeownership for low-to-moderate income families. Instead of a traditional down payment, Habitat provides a first mortgage based on what the family can afford, with a second interest-free mortgage covering the remaining cost. Applicants must register interest when new projects are announced, attend an info session, provide necessary documentation, and commit to 500 hours of "sweat equity." Eligibility includes being a first-time homebuyer with stable employment, a moderate income, and preference given to families with children or those in core housing need.