The Region of Waterloo offers affordable housing options to individuals and families who have low to moderate household income.

In Waterloo Region, over 10,500 Community Housing units are either owned or overseen by the Region of Waterloo.

Types of affordable housing

We offer two main types of affordable housing:

Affordable Community Housing

  • This program gives eligible individuals and families the opportunity to rent affordable rental units in the Region of Waterloo.

Affordable Home Ownership

  • This program gives eligible individuals and families some money towards the purchase of a home in the Region of Waterloo.

Who can apply for affordable community housing or home ownership?

To be eligible to apply for Community Housing, you must:

  • Be a Canadian citizen, a Permanent Resident, a Permanent Resident applicant, a Refugee or a Refugee Claimant
  • Have identification
  • Have proof of your income

Funding for housing

The programs outlined below are available to eligible homeowners and potential homeowners:

Affordable Home Ownership (AHO)
The Affordable Home Ownership program provides individuals and families with a loan for the down payment on a home. If you qualify, you can receive five per cent of the purchase price of a home. For more information about the AHO program, please visit our Affordable Home Ownership page.

Ontario Renovates Program (Homeowners Repair Program)
The Ontario Renovates program is made possible through the Investment in Affordable Housing (IAH) Program, which is funded by the federal and provincial governments. The Ontario Renovates Program offers financial assistance to low to moderate income households to repair homes while improving the energy-efficiency of the unit and/or to increase accessibility of homes through modifications and adaptation. For more information about the Ontario Renovates Program, please visit our Funding for Homeowners page.

Helpful Links:

Please note: Community Housing is not emergency housing. For information about emergency shelter, please visit Emergency Shelters.