Is Homeownership An Investment?

Homeownership remains a strong aspiration for many Canadians despite affordability challenges. A Habitat for Humanity/Deloitte study shows significant benefits of ownership versus renting, including income growth and improved health outcomes. Yet, Canada's homeownership rate dropped from 69% (2011) to 66.5% (2021), with young adults particularly affected. 

• Strong Desire Despite Challenges: 84% of young Canadians (18-38) believe homeownership is worthwhile despite affordability issues.
• Measurable Benefits: Homeowners experienced 28% higher incomes than comparable renters, with 73% reporting better physical health.
• Declining Accessibility: Homeownership among 25-29 year-olds fell from 44% to 36.5% over a decade.

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