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Shelter-cost-to-income ratio

Part A - Short definition:

Refers to the proportion of average monthly 2010 total household income which is spent on owner's major payments (in the case of owner-occupied dwellings) or on gross rent (in the case of tenant-occupied dwellings).

Part B - Detailed definition:

Percentage of a household's average total monthly income which is spent on shelter-related expenses. Those expenses include the monthly rent (for tenants) or the mortgage payment, property taxes and condominium fees (for owners) and the costs of electricity, heat, municipal services, etc. The percentage is calculated by dividing the total shelter-related expenses by the household's total monthly income and multiplying the result by 100.

Reported in:

2011

Reported for:

Private households in owner- or tenant-occupied non-farm dwellings

Question number(s):

Derived variable: Questions 55, E8 (a), (b), (c), E9 (a), E10 (a), (c) and (e)

Responses:

In the standard products, the most detailed classification is as follows:

  • Less than 30%
    • Less than 15%
    • 15% to less than 30%
  • 30% or more
    • 30% to less than 50%
    • 50% or more
      • 50% to less than 100%

Remarks:

This concept is illustrated below:

(a) Owner-occupied non-farm dwellings:

Description

This equation represents the shelter-cost-to-income-ratio for households in owner-occupied non-farm dwellings. It is calculated by dividing the owner's major payments by the household's total monthly income (that is, 2010 total annual household income divided by 12) and multiplying the result by 100.

Source: Statistics Canada, 2011 National Household Survey.

(b) Tenant-occupied non-farm dwellings:

Description

This equation represents the shelter-cost-to-income-ratio for households in tenant occupied non-farm dwellings. It is calculated by dividing the gross rent by the household's total monthly income (that is, 2010 total annual household income divided by 12) and multiplying the result by 100.

Source: Statistics Canada, 2011 National Household Survey.

Excludes households who reported a loss in their total household income, or had no income in 2010. The category 'Less than 15%' includes households with income who incurred no owner's major payments/gross rent.

See 'Remarks' under the definitions Owner's major payments and Rent, gross.

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