The Canadian government has officially launched the $498 Canada Housing Boost in June 2025, offering immediate financial relief for low-income renters. As rents continue to rise across the country, this one-time, tax-free benefit is meant to help citizens cover basic housing costs. The deadline to apply is fast approaching—June 30, 2025—so eligible individuals are being urged to act quickly before the window closes.
Why This Payment Matters
Canada’s rental crisis is affecting millions, with national rent prices increasing by over 10% in the past year. This benefit isn’t a loan and won’t impact other government assistance programs. It’s a direct payment aimed at those who spend a significant portion of their income on rent, offering simple access and fast approval. For many renters, it could be the difference between making ends meet or falling behind.
Who Can Qualify
To be eligible, you must be a Canadian resident in 2025 and at least 15 years old. Applicants must have filed their 2023 tax return. Individuals must have an income of $20,000 or less, and families must be under $35,000. Renters must also show that at least 30% of their 2023 income went toward rent. Seniors earning less than $37,240 may be eligible for an additional $430 top-up through a related program.
What You’ll Need
Applicants must gather a few essential documents before applying. These include a 2023 Notice of Assessment, rent receipts or a lease, government-issued ID, and proof of address. Whether you apply online or over the phone, having all paperwork ready will make the process faster. Missing documentation may delay approval or result in a denied application, even if you qualify based on income and rent ratio.
Applying Online or By Phone
The simplest method is through CRA’s My Account portal. Just log in, select “Housing Benefit,” and follow the prompts to upload your documents. If you prefer, you can also call 1‑800‑282‑8079 and apply with the help of a CRA agent. Be ready with your Social Insurance Number and rent information. Phone applications are equally valid but may take slightly longer depending on volume.
When Will You Get Paid
If you use direct deposit, the payment will arrive within 5 to 7 business days after approval. Cheques sent by mail may take 10 to 12 business days. To avoid delays, update your bank details in your CRA profile before submitting the application. Those who already receive provincial rent support may get this payment automatically, without needing to apply again manually.
Real Life Example
Maria, a 29-year-old part-time worker in Toronto, earned $18,500 last year and pays $1,000 in rent monthly. After hearing about the $498 housing benefit, she logged into her CRA account, submitted her lease and tax documents, and was approved within a few days. The payment was deposited into her bank account six days later, helping her pay utility bills and cover food costs.
Tips for Maximum Benefit
Apply early to avoid payment delays. Use CRA’s online Benefit Calculator to confirm eligibility. If you haven’t yet filed your taxes, visit a local CVITP tax clinic for free help. Make sure your rent documentation clearly shows how much you paid in 2023. If you’re unsure whether you qualify, apply anyway—denial is better than missing out by default.
Disclaimer: This article is for informational purposes only. The Canada Housing Boost is a limited-time benefit subject to eligibility checks and program guidelines. Visit the official CRA website or contact a certified tax advisor for the most up-to-date details before applying.
