Housing
Am I house-poor?
See what share of your income goes to housing — and whether that's comfortable, stretched, or house-poor — against the standard Canadian affordability benchmarks. Free to use.
Rent, or mortgage + property tax + heat + condo fees
Before tax — household total
of your gross income
Stretched — you're between the 30% guideline and a lender's ~39% limit. Manageable, but little buffer for rate hikes or surprises.
Based on $2,000/month of housing on $6,000/month of gross income.
The 30% benchmark is a guideline, not a hard rule — higher earners can often carry more, and it doesn't account for debts, dependants, or local prices. Lenders use a Gross Debt Service (GDS) ratio of about 39% as the practical ceiling.
Educational information only — not financial advice. This compares your housing cost to standard affordability benchmarks.
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