Consumer Price Index (CPI)

CPI data from Statistics Canada Table 18-10-0004-01, monthly frequency. City-level CPI for Toronto.

Rental Costs

Average rents from Statistics Canada Table 34-10-0133-01 (CMHC Primary Rental Market Survey), annual frequency, covering Census Metropolitan Areas with 10,000+ population.

Housing Prices

Median and average home prices calculated from active MLS listings in our database. Property type breakdowns (detached, condo, townhouse) based on current inventory. Updated with each data refresh.

Income

Median household income from Statistics Canada Table 11-10-0239-01. Census data, most recently available year.

Fixed Costs

Transit fares, property tax rates, utility costs, and childcare rates sourced from:

• TTC 2026 Fares
• City of Toronto 2026 Tax Rates
• Ontario Energy Board 2026 TOU Off-Peak Rate
• Enbridge Gas 2026 Avg Residential Bill
• CRTC Communications Monitoring Report 2025
• Ontario CWELCC 2026 ($12/day target)

Computed Metrics

• Affordability Ratio: Median home price divided by median household income
• Salary Needed: Household income required for 30% housing cost ratio (80% LTV mortgage at 5.5%, 25-year amortization)
• Rent-to-Income: Annual 2BR rent as percentage of median household income
• Price-to-Rent: Median home price divided by annual 2BR rent
• Cost Index: City CPI all-items relative to national average (100 = national average)