A household is in core housing need if their housing does not meet at least one of the adequacy, suitability, or affordability standards and their household would have to spend 30% or more of its total before-tax income to pay the median rent of alternative local housing that is acceptable. Housing is considered acceptable if it meets all three housing standards above.
Certain types of households are at greater risk of being in core housing need due to additional financial and resource pressures. This typically includes renters, as well as lone-parent and one-person households.
Housing standards are defined as follows:
- Adequate housing: Housing that is reported by their residents as not requiring any major repairs.
- Affordable housing: Housing with shelter costs equal to less than 30% of total before-tax household income.
- Suitable housing: Housing that has enough bedrooms for the size and composition of resident households according to National Occupancy Standards (NOS).