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Changing Patterns in Canadian Homeownership and Shelter Costs, 2006 Census: Housing tenure

Homeownership increases at all levels of income

For the purpose of this analysis, households were divided into five groups based on their ranked income levels, each group representing one-fifth, or 20%, of the total. Between 2001 and 2006, homeownership rates rose for all income groups, even among the households with the lowest incomes.

The census collects data on income for the calendar year preceding the census. In the case of the 2006 Census, income data refer to 2005, even though housing and demographic information relate to the census year. Household income refers to the sum of the incomes of all household members aged 15 and over. It includes government transfers, but does not subtract income taxes.

The proportion of households that owned their home increased in all segments of the income distribution. However, the increase was larger for households in the higher income groups.

About 38.4% of households in the lowest 20% of the income distribution owned their home in 2006, up slightly from 37.1% in 2001. On the other hand, the vast majority (92.7%) of households in the highest 20% owned their home, up from 89.6%.

Renting was still the most common form of tenure for households in the lowest 20% of the income distribution. Just over 60% of all households in this group rented their accommodation in 2006.

Table 1
Homeownership rates by household income quintile, Canada, 2001 and 2006

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