Rent costs are on the rise across Canada, and for many low-income individuals and families, keeping up can be a real struggle. That’s why the federal government is offering a one-time, tax-free $500 payment in 2025 through the Canada Housing Benefit. If you rent your home and your income is on the lower side, this benefit could give you some much-needed relief.
Let’s break down exactly who qualifies, how to apply, and what you need to know before the June 30, 2025 deadline.
Overview
The Canada Housing Benefit (CHB) is designed to help low-income renters cover the growing cost of rent. If you meet the income and tax-filing criteria, and you paid rent in 2022 that made up a big part of your income, you could receive a $500 payment.
| Key Information | Details |
|---|---|
| Benefit Amount | Up to $500 (tax-free) |
| Eligibility | Low-income renters aged 15+, filed 2021 taxes, paid 2022 rent |
| Income Limits | $20,000 (single) / $35,000 (family) in 2021 |
| Rental Condition | Rent was 30% or more of 2021 income |
| Application Deadline | June 30, 2025 |
| Apply Through | CRA My Account or by phone |
| Administered By | Canada Revenue Agency |
Canada Housing Benefit
This one-time federal benefit is part of a broader national housing strategy. The goal is simple—help renters who are spending too much of their income on housing. With rising rents and cost of living increases across the country, the CHB offers a short-term solution for people most affected by housing insecurity.
It’s available to Canadians living in any province or territory, including those already receiving provincial housing support.
Eligibility
Here are the key requirements you must meet to receive the $500 benefit:
1. Age
You must be at least 15 years old as of December 1, 2022.
2. Tax Filing
You must have filed your 2021 tax return. This is how the CRA verifies your income.
3. Income
Your adjusted family net income for 2021 must be:
- $20,000 or less for single individuals
- $35,000 or less for families
4. Rent Payments
You must have paid rent in 2022, and that rent must have made up at least 30% of your 2021 income.
5. Residency
You must have lived in Canada in 2022 and paid rent for your principal residence.
If you meet all of the above, you’re likely eligible to apply.
How to Apply
Here’s a simple step-by-step guide to help you get your $500 payment:
Step 1
Go over the income, age, and rental requirements to make sure you qualify.
Step 2
You’ll need:
- Your 2021 Notice of Assessment
- Proof of 2022 rent payments (receipts, rental agreement, or bank statements)
- Your CRA My Account login (or call CRA directly)
Step 3
You have two options:
- Online: Log in to CRA My Account and apply under “Benefits and Credits.”
- By Phone: Call CRA at 1-800-282-8079 if you prefer not to apply online.
Step 4
If approved, your $500 benefit will be deposited directly into your bank account. If you’re not signed up for direct deposit, you’ll receive a cheque in the mail.
Deadline
Make sure to apply before June 30, 2025. After that, the benefit will no longer be available.
Other Housing Support
Even if you don’t qualify for the $500 payment, there may be other help available:
1. Provincial Rental Programs
Many provinces offer rental supplements or ongoing housing benefits:
- Ontario: Ontario Housing Benefit
- BC: SAFER (Shelter Aid for Elderly Renters) and Rental Assistance Program
- Quebec: Allocation-logement
Check your provincial government’s website for details.
2. Non-Profit Housing Assistance
Local housing organizations, shelters, and non-profits may provide temporary support or help you access subsidized housing.
3. National Housing Strategy
The federal government continues to invest in long-term affordable housing projects through the National Housing Strategy, aiming to reduce homelessness and support vulnerable Canadians.
If you’re struggling to pay rent, the Canada Housing Benefit could offer some temporary relief. It’s simple to apply and doesn’t require jumping through hoops. Just make sure your taxes are up to date, your rent info is accurate, and you apply before the deadline.
FAQs
How much is the Canada Housing Benefit in 2025?
Up to $500 for eligible low-income renters.
Do I need to apply for the benefit?
Yes, applications are not automatic.
What is the income limit for singles?
$20,000 or less for 2021.
When is the deadline to apply?
June 30, 2025.
How do I apply for the CHB?
Apply online via CRA My Account or by phone.
