Map of Simcoe Muskoka

Determinants Of Health

Housing

By Private Dwelling Type
By Value
By Housing Affordability
By Housing Adequacy
By Housing Suitability 
Rent-Geared-to-Income Housing
By Homelessness

Private Dwelling Type

According to the 2016 Census, there were 208,965 occupied private dwellings in Simcoe Muskoka. The majority of those private dwellings (75%) were single-detached houses. In Simcoe Muskoka the average number of persons living in a private dwelling was 2.5 compared to 2.6 in Ontario.

Type of Dwelling 2016

In Simcoe Muskoka, the majority (38%) of “other” dwellings were apartments in a building has fewer than five stories, which was consistent with the province.

Value

According to the 2016 Census data, the average value of private dwellings in Simcoe Muskoka was $415,905 ($416,640 in Simcoe County and $415,170 in the District of Muskoka). Meanwhile, the average value of private dwellings in Ontario was $506,409 in 2016. The chart below shows that housing prices have been outpacing inflation with housing prices increasing by 20% in Simcoe Muskoka between 2011 and 2016. Likewise, housing prices have increased by 30% in Ontario between 2011 and 2016.

Value of Dwelling 2016 to 2006

Average monthly shelter costs for owners and renters have also increased over time with the average cost of rent increasing by a larger percentage compared to the average monthly cost for homeowners. For example, the average monthly cost of rent in Simcoe Muskoka increased by 9% from $983 in 2011 to $1,073 in 2016. In comparison, average monthly payments for homeowners increased by 5% from $1,229 in 2011 to $1,292 in 2016.

Average Shelter Cost 2006 to 2016

Housing Affordability

People who lack access to acceptable housing are more likely than those with adequate housing to experience physical and mental health problems and may not have adequate funds available for other necessities such as food, clothing and transportation. In 2017, a family of four receiving Ontario Works (see Household Food Insecurity)

would have to spend 86% (Simcoe) and 79% (Muskoka) of their monthly after-tax income on food and rent alone. In comparison, a middle income family of four (not receiving Ontario Works) would need to spend 28% (Simcoe) and 25% (Muskoka) of their monthly after-tax income on food and rent combined.

Residents of Simcoe County and District of Muskoka receiving social assistance, pension income or a minimum wage would also need to use the majority of their income to cover basic food and housing costs. For example, when income from one full-time minimum wage job is the income source for a family of four, 73% (Simcoe) and 68% (Muskoka) of the family’s monthly after-tax income would be needed to pay for food and rent.

According to the Canada Mortgage and Housing Corporation (CMHC),affordable housing should cost less than 30% of total before-tax household income. The 2016 Census found that, renters in Simcoe paid an average of $1,127 per month on shelter costs (i.e. rent, electricity, heat and municipal services), and 49% (or 18,847) of renters spent more than 30% of their total before-tax household income on shelter costs. Renters in Muskoka paid an average of $1,019 per month on shelter costs, and 51% (or 2,355) of renters spent more than 30% of their total before-tax household income on shelter costs. The municipality with the highest average monthly payment for renters was Innisfil ($1,342) and the lowest was Georgian Bay ($907) in 2016.

Homeowners in Simcoe County paid an average of $1,400 per month on shelter costs (i.e. mortgage, electricity, heat, water, municipal services, property taxes, condo fees), and 20% (or 28,362) of them spent more than 30% of their total before-tax household income on shelter costs. Homeowners in District of Muskoka paid an average of $1,184 per month on shelter costs, and 20% (or 4,047) of them spent more than 30% of their total before-tax household income on shelter costs. The municipality with the highest average monthly payment for homeowners was Bradford West Gwillimbury ($1,749) and the lowest was Wasaga Beach ($1,066).

In comparison, renters in Ontario paid an average of $1,109 per month on shelter costs (i.e. rent, electricity, heat and municipal services), and 46% (or 712,792) of renters spent more than 30% of their total before-tax household income on shelter costs. Homeowners in Ontario paid an average of $1,463 per month on shelter costs (i.e. mortgage, electricity, heat, water, municipal services, property taxes, condo fees), and 20% (or 713,161) of them spent more than 30% of their total before-tax household income on shelter costs.

Average Monthly Shelter Cost 2016

Housing Affordability by Tenure 2016

Certain household types were more likely to spend 30% or more of their income on shelter costs. Fourty-four percent (or 23,790) of non-census family households (i.e. either one person living alone or with a group of two or more non-related, non-common law individuals) in Simcoe Muskoka reported spending 30% or more of income on shelter costs, followed by 41% (or 7,605) of lone-parent families.

Housing Affordability by Municipality

Within Simcoe County and the District of Muskoka, municipalities with the highest percentage of tenant households spending 30% or more of their total income on shelter costs included Collingwood (55%), Adjala-Tosorontio (54%), and Huntsville (53%). Among owner households, Bradford West Gwillimbury, Collingwood and Lake of Bays had the highest percentage of owners spending 30% or more of their total income on shelter costs at 24%, 24%, and 23% respectively.

Renters Affordability Simcoe1

Renters Affordability Simcoe2

Renters Affordability Muskoka

In general, the percentage of owners spending 30% or more of their total household income on shelter costs has remained stable or decreased from 2006 to 2016 while the percentage of renters spending 30% or more of their household income on shelter costs has increased from 2006 to 2016.

Housing Affordability 2006 to 2016

Housing Adequacy

Adequate housing refers to dwellings that do not require major repairs, as reported by their residents. Major repairs can include: defective plumbing or electrical wiring, or structural repairs to walls, floors or ceilings. According to the 2016 Census, 6% (or 12,465) of dwellings in Simcoe Muskoka required major repairs. In the District of Muskoka, 11% (or 495) of renters and 8% (or 1,670) of homeowners lived in dwellings requiring major repairs. In Simcoe, 8% (or 3,185) of renters and 5% (or 7,075) of homeowners live in dwellings requiring major repairs.  

In comparison, 9% (or 136,605) of renters and 5% (or 177,705) of homeowners in Ontario were living in dwellings below the adequacy standards.

Housing Adequacy

Certain age groups were more likely to live in dwellings requiring major repairs than others. In particular, 10% (or 350) of primary household maintainers (i.e. the first person listed who pays rent, mortgage, taxes or other services) aged 15 to 24,  7% of household maintainers aged 45 to 54 (or 3,060), and 7% (or 1,580) of household maintainers aged 25 to 34 were living in dwellings requiring major repairs in Simcoe Muskoka according to the 2016 Census.

As well, certain household types were more likely to be living in dwellings requiring major repairs. In particular, 11% (or 1,790) of lone-parent families; 7% (or 3,605) of non-census family households (i.e. either one person living alone or with a group of two or more non-related, non-common law individuals); and 7% (or 1,060) of households with multiple census families (i.e. married or common-law families, with or without children or lone-parent families) or census families with additional persons reported living in a dwelling that required major repairs in Simcoe Muskoka in 2016.

Housing Suitability

Suitable housing refers to having enough bedrooms for the size and makeup of resident households (according to the National Occupancy Standard [NOS] requirements). According to the 2016 Census data, renters in Simcoe Muskoka were less likely to live in suitable housing than homeowners in 2016. In Muskoka, 6% (or 285) of renters and 2% (or 350) of homeowners were living in a dwelling below NOS requirements. This is similar to 7% (2,590) of renters and 2% (or 2,975) of homeowners in Simcoe that were living below the suitability standards.

In Ontario, 12% (or 185,290) of renters and 3% (or 124,025) of homeowners were living in a dwelling that was below the suitability standards in 2016.

Housing Suitability

Subsidized Housing

According to the 2016 Census, 3% (or 5,435) of households (homeowner and tenant) in Simcoe Muskoka were living in subsidized housing. Among just tenant households, subsidized housing accounted for 13% of tenant housing. The District of Muskoka had a higher percentage (18%) of tenant households living in subsidized housing, compared to the County of Simcoe (12%), and Ontario (15%). Municipalities in Simcoe Muskoka with the highest percentage of tenant households living in subsidized housing included Gravenhurst (22%), Bracebridge (20%), Midland (19%) and Orillia (19%).

Subsidized Housing Simcoe1

Subsidized Housing Simcoe2

Subsidized Housing Muskoka

Certain tenant household types were more likely to report living in subsidized housing than others. For example, in Simcoe Muskoka 20% of lone-parent tenant households were living in subsidized housing and 16% of non-census family tenant households (i.e. one person living alone or with a group of two or more non-related, non-common law individuals) were living in subsidized housing in 2016.  

Rent-Geared-to-Income Housing

According to the 2016 Centralized Waitlist Report by the County of Simcoe, Simcoe County has access to 2,772 rent-geared-to-income housing units. In 2016, there were 2,979 eligible households on their waitlist for social housing. This means that for every occupied rent-geared-to-income housing unit, there was approximately one household on the waitlist.

In 2016, 299 households were housed in rent-geared-to-income housing units in Simcoe County. Of these households, 156 came from the chronological waitlist and 143 were special priority applicants. The wait time for special priority populations, those who are or were victims of domestic violence, was approximately 7.1 months in Simcoe County in 2016. The average wait time for other applicants, excluding special priority applicants, ranged from 3.7 years for a household with dependents to 6.3 years for households with no dependents in 2016.

In the District of Muskoka, there were 690 households on the waitlist for rent-geared-to-income housing in 2015. With 574 social housing units, there was approximately one housing unit per 1.2 eligible households on the waitlist.

According to the 2016 Waiting Lists Survey Report by the Ontario Non-Profit Housing Association, in 2015, 61 households were housed in rent-geared-to-income housing units. The average wait time for special priority populations was approximately 4 months while the average wait time for other applicants ranged from 2.5 years for households with dependents to 6.1 years for seniors in 2015.

Homelessness

In 2011, the Simcoe County Alliance to End Homelessness (SCATEH) indicated that there were more than 7,500 individuals that were homeless in Simcoe County that were not seeking shelter assistance in 2010. These individuals may be accessing the Out of the Cold programs in Barrie and Midland, or are individuals or families that are temporarily living with friends, living in motor vehicles, or living in alleys and parks. For more information see SCATEH’s Report on Homelessness.