{"id":34801,"date":"2025-01-27T06:00:00","date_gmt":"2025-01-27T11:00:00","guid":{"rendered":"https:\/\/www.zoocasa.com\/blog\/?p=34801"},"modified":"2025-05-22T17:03:10","modified_gmt":"2025-05-22T21:03:10","slug":"two-bedroom-apartment-rent-affordability","status":"publish","type":"post","link":"https:\/\/www.zoocasa.com\/blog\/two-bedroom-apartment-rent-affordability\/","title":{"rendered":"The 30% Rule: Can Canadians Afford Rent, Retirement, and More?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Rising costs for essentials like groceries and childcare and a growing number of <a href=\"https:\/\/thoughtleadership.rbc.com\/proof-point-is-canada-becoming-a-nation-of-renters\/\" target=\"_blank\" rel=\"noreferrer noopener\">Canadians renting their homes<\/a> have made the once-reliable 30% rule for housing expenses a challenging goal. To add perspective,<a href=\"https:\/\/www.fidelity.ca\/en\/insights\/articles\/saving-spending-rule-of-thumb\/\" target=\"_blank\" rel=\"noreferrer noopener\"> Fidelity,<\/a> an Investment Canada firm, emphasizes a financial stability guideline that allocates 50% of income to necessities, 15% to retirement savings, and 5% to short-term goals\u2014creating a framework for managing today\u2019s financial pressures.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, if you and your significant other aim to spend 30% of your income on renting a two-bedroom apartment, what should your salary look like to make that work? And more importantly, can you balance the rest of your budget\u2014retirement savings, short-term goals, and food\u2014while staying financially sound?&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zoocasa explored how close Canadians come to hitting these financial targets, breaking down affordability city by city. The result: A clearer picture of where the 30% rule is possible and which cities it might just be wishful thinking.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Methodology:<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Zoocasa analyzed housing affordability by calculating the combined salaries of two individuals needing to keep two-bedroom rental costs within the recommended portion of post-tax income. These figures were then compared to data from the Rentals.ca January 2025 report. Using data from Statistics Canada\u2019s Income Explorer, which tracks median earnings by age, geography, and family structure, the analysis compares 2019 and 2020 incomes against the income needed to meet this recommended threshold. This report focuses on dual-income households, so the average income was doubled to reflect the combined earnings of a couple\/two people.&nbsp;&nbsp;<\/p>\n\n\n<div style=\"min-height:1121px\" id=\"datawrapper-vis-7cLao\"><script type=\"text\/javascript\" defer src=\"https:\/\/datawrapper.dwcdn.net\/7cLao\/embed.js\" charset=\"utf-8\" data-target=\"#datawrapper-vis-7cLao\"><\/script><noscript><img decoding=\"async\" src=\"https:\/\/datawrapper.dwcdn.net\/7cLao\/full.png\" alt=\"\" \/><\/noscript><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Where Dual Incomes Stretch Further: Western Canada\u2019s Affordable Cities<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For those aiming to keep rent at 30% of their income while affording a two-bedroom apartment, several Canadian cities stand out for their affordability. <a href=\"https:\/\/www.zoocasa.com\/regina-sk-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Regina&#8217;s<\/a> required annual income to stay within this threshold is $57,560. With an average income of $102,240, a dual-income household earns $44,680 more than needed\u2014a surplus of 78%. Similarly, <a href=\"https:\/\/www.zoocasa.com\/saskatoon-sk-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Saskatoon<\/a> offers notable financial flexibility, where the average dual income of $98,720 surpasses the $58,760 required by $39,960, a difference of 68%.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Related: <a href=\"https:\/\/www.zoocasa.com\/blog\/why-are-so-many-people-downsizing\/\" target=\"_blank\" rel=\"noreferrer noopener\">Why Are So Many People Downsizing in 2025\u2013And How to Do It Right <\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In Alberta, <a href=\"https:\/\/www.zoocasa.com\/edmonton-ab-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Edmonton<\/a> offers the most substantial affordability for renters, with an average dual income of $105,600 exceeding the $66,200 required to stay within the 30% rent threshold by $39,400\u2014a surplus of nearly 60%. <a href=\"https:\/\/www.zoocasa.com\/lethbridge-ab-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Lethbridge <\/a>follows closely, where a dual-income household earning $93,680 makes $32,520 more than the $61,160 needed, a difference of 53%. <a href=\"https:\/\/www.zoocasa.com\/calgary-ab-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Calgary<\/a> also stands out, with an average post-tax income of $112,000, surpassing the $77,320 required by $34,680, offering 45% more than necessary for housing costs. These cities collectively showcase Alberta\u2019s favorable conditions for affordable living while leaving room for financial flexibility.<\/p>\n\n\n<div style=\"min-height:778px\" id=\"datawrapper-vis-ZWy7H\"><script type=\"text\/javascript\" defer src=\"https:\/\/datawrapper.dwcdn.net\/ZWy7H\/embed.js\" charset=\"utf-8\" data-target=\"#datawrapper-vis-ZWy7H\"><\/script><noscript><img decoding=\"async\" src=\"https:\/\/datawrapper.dwcdn.net\/ZWy7H\/full.png\" alt=\"\" \/><\/noscript><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Rent Gaps and Buffers: Ontario\u2019s Balancing Act&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.zoocasa.com\/toronto-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Toronto <\/a>is particularly unaffordable, requiring $123,080 annually to keep rent within the 30% income threshold, yet average dual incomes of $101,040 leave a 21.8% gap. <a href=\"https:\/\/www.zoocasa.com\/mississauga-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Mississauga<\/a> follows with a slightly more manageable shortfall, where the $118,400 required surpasses average dual incomes by 14.3%. <a href=\"https:\/\/www.zoocasa.com\/north-york-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">North York<\/a> and <a href=\"https:\/\/www.zoocasa.com\/etobicoke-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Etobicoke<\/a> offer more stable financial landscapes, with gaps of 10% and 9.9%, respectively, reflecting greater consistency within the Greater Toronto Area (GTA). However, <a href=\"https:\/\/www.zoocasa.com\/brampton-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Brampton<\/a> faces the tightest margins, with an average dual income of $75,920 falling 23.2% short of the $93,520 needed, highlighting significant financial strain.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Related:<a href=\"https:\/\/www.zoocasa.com\/blog\/renters-emergency-fund\/\" target=\"_blank\" rel=\"noreferrer noopener\"> A Canadian Renter\u2019s Guide to Saving a Three-Month Emergency Fund<\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">On the other hand, cities like <a href=\"https:\/\/www.zoocasa.com\/burlington-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Burlington<\/a> and <a href=\"https:\/\/www.zoocasa.com\/hamilton-on-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Hamilton<\/a> exemplify affordability in Ontario. Burlington\u2019s required income of $101,160 is comfortably surpassed by an average dual income of $111,400, creating a 9.2% surplus and providing residents with a financial buffer. Hamilton residents fare even better, earning $117,400 annually\u201440.9% above the $83,320 required for rent. Ottawa also demonstrates strength, with average dual incomes of $112,000 exceeding the $99,320 threshold by 12.8%.<\/p>\n\n\n<div style=\"min-height:1140px\" id=\"datawrapper-vis-rs5eb\"><script type=\"text\/javascript\" defer src=\"https:\/\/datawrapper.dwcdn.net\/rs5eb\/embed.js\" charset=\"utf-8\" data-target=\"#datawrapper-vis-rs5eb\"><\/script><noscript><img decoding=\"async\" src=\"https:\/\/datawrapper.dwcdn.net\/rs5eb\/full.png\" alt=\"\" \/><\/noscript><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Where Average Dual-Incomes Can&#8217;t Keep Up With Rent Costs<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Renting a two-bedroom apartment while adhering to the 30% income guideline is increasingly challenging in some Canadian cities, where housing costs significantly outpace average incomes. <a href=\"https:\/\/www.zoocasa.com\/vancouver-bc-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Vancouver<\/a> and <a href=\"https:\/\/www.zoocasa.com\/burnaby-bc-real-estate\" target=\"_blank\" rel=\"noreferrer noopener\">Burnaby<\/a> face identical percentage gaps, with residents needing to earn 27.5% more to meet the 30% rule. In Burnaby, residents require an income of $122,200, while the average dual income of $88,560 leaves a shortfall of $33,640. Similarly, Vancouver presents the highest income requirement at $137,200, but with an average dual income of $99,520, residents face a significant gap of $37,680.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Outside of British Columbia and Ontario, Halifax, the capital city of Nova Scotia, requires an income of $103,000, leaving a $13,720 gap for residents earning an average dual income of $89,280\u2014a 13.3% deficit.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Related: <a href=\"https:\/\/www.zoocasa.com\/blog\/ranking-states-by-affordability\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ranking States by Affordability: Where It\u2019s Most Affordable to Live in 2025 <\/a><\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In contrast, cities like Laval, QC, and Kitchener, ON, demonstrate a closer alignment between income and housing costs, offering rare affordability. In Laval, the $84,800 required for rent is just 0.6% higher than the average dual income of $84,320, showcasing an almost perfect balance. Similarly, Kitchener&#8217;s average dual income of $89,440 exceeds the $88,880 required by 0.6%, reflecting another well-balanced market. These cities stand out as examples of financial equilibrium, where housing costs and incomes align, providing residents with more significant financial security and growth opportunities.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, with such narrow margins, even small changes in income or rent could tip the balance, making it essential for residents to regularly review their budgets to maintain financial stability and long-term growth.<\/p>\n\n\n<div class=\"cta\">\n<div class=\"cta-left\">\n<div class=\"cta-title\">Considering a move this year?<\/div>\n<div class=\"cta-body\">Contact us today to talk to a Realtor in your area<\/div>\n<\/div>\n<div class=\"cta-right\"><a href=\"https:\/\/www.zoocasa.com\/buy-with-zoocasa\"><button class=\"cta-button\">Talk To Our Experts<\/button><\/a><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Rising costs for essentials like groceries and childcare and a growing number of Canadians renting their homes have made the once-reliable 30% rule for housing expenses a challenging goal. To add perspective, Fidelity, an Investment Canada firm, emphasizes a financial stability guideline that allocates 50% of income to necessities, 15% to retirement savings, and 5% [&hellip;]<\/p>\n","protected":false},"author":157,"featured_media":34803,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"0","show_view_counter":"0","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"1","post_reading_time_wpm":"300","post_calculate_word_method":"str_word_count","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"0","show_prev_next_post":"1","show_popup_post":"0","number_popup_post":"1","show_author_box":"1","show_post_related":"1","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"","hide":""},"footnotes":""},"categories":[1114,1111],"tags":[],"class_list":["post-34801","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-affordability-reports","category-canada"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Can Canadian Couples Afford Two-Bedroom Rent and Retirement?<\/title>\n<meta name=\"description\" content=\"Zoocasa analyzed how much Canadian couples earning dual-income would be able to afford rent and retirement following the 50-30- 20 rule.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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