Notes

STIR is the measure of housing affordability. It stands for "Shelter-cost-to-Income Ratio" and represents the proportion of average total income of household which is spent on shelter costs.

Shelter cost refers to the average monthly total of all shelter expenses paid by households.

Shelter costs for owner households include, where applicable, mortgage payments, property taxes and condominium fees, along with the costs of electricity, heat, water and other municipal services. For renter households, shelter costs include, where applicable, the rent and the costs of electricity, heat, water and other municipal services. For households living in a dwelling provided by the local government, First Nation or Indian band, shelter costs include, where applicable, the monthly use or occupancy payment and the costs of electricity, heat, water and other municipal services.