Low-Income Housing in North Bay, Ontario, Canada

Research statement

The Ontario government has embraced various policies that have resulted in decreased availability of affordable houses, as well as reduced legal protection for tenants. For instance, the government cut the social assistance rates in 1995, a move that reduced shelter allowances by 21.6% (OHRC, 2016). In the same year, funding for the development of 17,000 units that were under a cooperative and non-profit development venture was amended (OHRC, 2016). Also, the government withdrew from ongoing social housing projects and passed the responsibility for social housing to the municipalities. The challenges in housing were further aggravated by the Tenant Protection Act of 1997 (Hulchanski, 2002). The law scraped rent managing programs on unoccupied residential buildings, making it appropriate for proprietors to eject residents. The changes impacted by the policies in the 1990s are still inflated even with the increase in vacancy rates in recent years (OHRC, 2016). The people are still waiting for discounted accommodation and the establishment of modern living units has been given little effort. Additionally, the private sector provision of rental residence is decreasing with many units being transformed to non-rental entities by private developers who prefer lucrative house markets to less profitable rental housing (OHRC, 2016). With the reviewed facts, this paper proposes research on low-income housing in the North Bay area in Ontario, Canada.


  • To investigate the relationship between the level of wages and housing affordability in North Bay
  • To Investigate the reasons for inadequate housing among individuals in the low-income level in North Bay
  • To establish the influence of social assistance in housing among low-income earners in North Bay

Literature review            

North Bay area of Ontario has a steady population of 775,000 according to 2011 statistics that contrast the extensive Ontario area that shows an increase of over 10 percent each decade (Hulchanski, 2002). While vacancy rates have continuously amplified in the region over the years, many people experience various challenges in getting accommodation due to aspects contributing to unaffordability. According to the Statistics Canada Mortgage and Housing Corporation (CMHC), the affordability of a dwelling unit refers to the dwellings that a person incurs below thirty percent of the full family income before paying taxes (Hulchanski, 2002). The organizations identify that family income is all earnings that people at 15 and above years of age get in the same household. Housing conditions are the measures that are used to summarize the circumstances in which a particular family lives. The measures are used to determine if housing is physically in good condition, spacious to comfortably accommodate the inhabitants and if the house is affordable. Either, they check if the housing is adequate, suitable, and if it is priced reasonably. An affordable residence fits in the three criteria concerning the financial status of the people (Hulchanski, 2002)….

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