Finding housing that fits your budget is a major concern for many newcomers to Canada. Housing costs can vary significantly between provinces, cities, and even neighborhoods. For instance, the price of a one-bedroom apartment in Toronto will be different from one in Kingston, even though both cities are in Ontario. Similarly, housing costs in Ontario generally differ from those in Quebec.

Start with Research

The first step to finding affordable housing is to research the city you plan to move to. Use online platforms like Facebook Marketplace, Kijiji, or even rental-focused sites such as PadMapper to get an idea of what rent costs in your chosen city. If the city seems expensive, expand your search to nearby towns or suburbs—sometimes the commute can be worth the cost savings. Starting your search early gives you enough time to compare options and avoid last-minute challenges.

Some provinces also have government programs that provide information or assistance with finding affordable housing for newcomers. Be sure to explore these resources early in your search.

Define What You’re Looking For

Think about the kind of home you want to settle into:

• Rent or Buy: Are you looking to rent an apartment or purchase a home?

• Type of Housing: Are you okay with a shared space, or do you prefer a studio, basement apartment, or something else?

Once you’ve narrowed down the type of housing you’re after, check if the rent includes utilities (like heating and water) or if you’ll have to budget for those separately. Always ask about the average utility costs so you know the total expense before making a decision.

Inspect Before You Commit

Avoid paying any money before inspecting the property or fully understanding the rental terms. If you’re not in Canada yet, have a trusted person inspect it for you. Canadian winters can be brutal, and issues like poorly sealed windows can make it even tougher—don’t overlook small details like this.

While inspecting, also take some time to explore the neighborhood. Look for nearby services that matter to you, such as public transportation (e.g., bus stops or train stations) or parking availability if you’ll be driving. Check online for information on crime rates in the area to ensure you’re comfortable with the safety of the neighborhood.

Understand the Lease Agreement

Most landlords will provide a lease agreement outlining the terms of your stay. Some may request background or credit checks, which can be tricky for newcomers who don’t yet have a credit history in Canada. However, there are landlords who understand this and may be more flexible.

When you receive the lease agreement, review it thoroughly. If anything is unclear, don’t hesitate to ask for clarification. Make sure you understand your rights as a tenant—Canada has robust tenant protection laws, and it’s worth familiarizing yourself with them.

Quick Tips

• Start your search early to avoid last-minute pressure.

• Always inspect the property (or have someone you trust do it) before committing.

• Ask about utility costs and whether they’re included in the rent.

• Check for essential services in the neighborhood, like public transport or parking.

• Familiarize yourself with tenant rights to protect yourself from unfair treatment.

Finding affordable housing takes time and effort, but with the right preparation, you’ll be able to settle into a comfortable home that fits your budget and meets your needs. 

At Settlin, our plans include a range of services to support newcomers, including assistance with accommodation searches. We take on the hassle of finding housing so you can focus on settling into Canada. Learn more about our plans here.