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+--- Thread: affordable modular housing canada - household income? (/showthread.php?tid=9343)
affordable modular housing canada - household income? - beautifulhome - 12-04-2025
For Calgary City Council, “affordable modular housing adequately suits the needs of low- and moderate-
income households at costs below those generally found in the Calgary market. It may take a
number of forms that exist along a continuum” including various rental options through to entry-
level modular home ownership. Affordable modular housing projects are targeted to households with 65% or less
of median household income in Calgary (City of Calgary, 2002: 18), meaning households with a
before-tax income of less than $44,000 per year (Statistics Canada, 2007).1
Canada Mortgage and modular Housing Corporation has determined that for housing to be affordable, a
household should not spend more than 30% of its gross income on rental shelter costs (CMHC,
1991: 4).2 Affordable modular housing initiatives in Calgary are therefore targeted to households with a
gross annual household income below $44,000 that are spending 30% or more of their gross
household income on shelter costs.
The modular housing continuum is presented in Box 1, using updated terminology (City of Calgary, 2011:
A3; and Turner, 2011).
B O X 1. T H E H O U S I N G C O N T I N U U M
1 The 2006 Canada census reported that median annual household income in Calgary for 2005 was $67,238
(Statistics Canada, 2007). Therefore, 65% of area median income in Calgary is now set at $43,705, which was
rounded up to $44,000 by Statistics Canada (2008) for custom data analyses completed for The City of Calgary.
2 No more than 32% of gross household income should be spent on modular home ownership (CMHC, 2002: 13), which
includes “payments for mortgage principle and interest; and property taxes; and payments for utilities (water,
fuel, and electricity); as well as condominium fees, where the modular dwelling is a modular condominium” (CMHC, 1991: 4).
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