As of July 2025, the Canadian government has confirmed the continuation of the $500 housing benefit to support low- and moderate-income renters across the country.
Administered by the Canada Revenue Agency (CRA), this one-time payment helps Canadians struggling with high rental costs amid a persistently tight housing market.
This payment is not a recurring benefit but rather a targeted top-up similar to past emergency rent relief initiatives. It is part of a broader federal plan to improve housing affordability, especially in high-cost urban centers like Toronto, Vancouver, and Montreal.
Who Can Get the $500 Canada Housing Benefit in 2025?
To be eligible for the $500 CRA housing benefit, individuals and families must meet strict financial and residential requirements. These criteria have been updated slightly for 2025:
| Criteria | Requirement (2025) |
|---|---|
| Income Limit (Individual) | Less than $35,000 (Net) |
| Income Limit (Families) | Less than $55,000 (Net) |
| Rent-to-Income Ratio | Must have spent at least 30% of income on rent in 2024 |
| Residency | Must be a Canadian resident for tax purposes and at least 15 years old |
| Tax Filing | Must have filed a 2024 tax return |
| Documentation | Lease agreement or rent receipts may be requested by CRA |
The CRA will automatically cross-check tax filings and rental expenses to verify applications. Those who moved recently or live with roommates must ensure their share of rent meets the qualifying ratio.
Important Dates: $500 CRA Payment Timeline for 2025
Applications for the 2025 $500 Housing Benefit open mid-July. Here are the key dates to keep in mind:
| Event | Date | Details |
|---|---|---|
| Application Open | July 15, 2025 | CRA My Account & phone support |
| Payout Begins | July 25, 2025 | Direct deposit prioritized |
| Application Deadline | October 31, 2025 | Late applications will be rejected |
Approved recipients will receive the funds directly into their linked CRA bank account. Paper cheques may take longer to arrive.
Why This Support Still Matters in 2025
Although some relief efforts have slowed post-pandemic, rental prices in 2025 remain 12–18% higher than pre-COVID levels. Wages have not kept pace, and many renters face housing insecurity, especially single parents, students, and seniors on fixed incomes.
The $500 payment is modest but vital. It can help renters avoid eviction, cover essential bills, or simply breathe easier amid economic pressure. It’s part of Canada’s broader push for housing fairness and affordability reforms.
How to Apply for the CRA $500 Rent Relief
Here’s a step-by-step guide for eligible Canadians:
- Log in to your CRA My Account.
- Go to the “Benefits and Credits” section.
- Select the $500 Housing Benefit 2025 application.
- Enter rental details and upload required documents (e.g., lease or receipts).
- Submit the application before October 31, 2025.
For those without online access, paper forms can be mailed. Processing takes 10–15 business days, and banking details should be up-to-date to avoid delays.
The $500 CRA housing benefit 2025 offers critical financial relief for low-income renters struggling to keep up with rent in Canada’s costly housing market.
If you’re eligible, don’t miss out—apply as early as possible to secure this one-time payment. While it’s not a permanent solution, it’s a valuable step toward ensuring housing support reaches those who need it most.
FAQs
Is the $500 housing benefit taxable?
No, the benefit is non-taxable and does not affect your other federal benefits.
Can I apply if I live with roommates?
Yes, but your personal rent share must meet the eligibility criteria. Be ready to submit proof.
What if I moved in 2025?
You can still apply if your 2024 rent payments qualify and your current address is updated with the CRA.