Every program, in one place

Up to $30/month

London Middlesex Community Housing (LMCH)

LMCH is the largest provider of subsidized rent-geared-to-income housing in London and Middlesex County.

Free local help

Chatham-Kent Welcome Network (Local Immigration Partnership)

The Chatham-Kent Local Immigration Partnership (CK LIP) runs the Welcome Network, the local front door for newcomers, immigrants, refugees, and displaced people.

Emergency rent money

Housing Stability Financial Assistance (HSFA)

HSFA is the local emergency rent-help fund for St.

Free local help

Elgin-Oxford Legal Clinic

A free community legal clinic (funded by Legal Aid Ontario) for people with low incomes in Oxford and Elgin counties.

Free local help

Crisis Shelter & Fleeing-Abuse Referral — Assaulted Women's Helpline + 211

If you need to leave an abusive situation right now, you can get help today.

Free local help

Elgin-Oxford Legal Clinic

The Elgin-Oxford Legal Clinic is the local Legal Aid Ontario clinic for St.

Free local help

LIFE*SPIN - Low-Income Benefits, Rent Help & Housing Advocacy (London)

LIFE*SPIN is a long-running London non-profit that helps low-income Londoners apply for benefits and find housing help.

Emergency rent money

Inn of the Good Shepherd - Rent & Utility Assistance (Housing Stability)

The Inn of the Good Shepherd runs Lambton County's local rent and utility help (this is the closest thing to a rent bank in the area).

Free local help

Aamjiwnaang First Nation - Housing Department

Aamjiwnaang First Nation (in Sarnia) runs its own Housing Department for band members.

Free local help

Salvation Army Sarnia - Community and Family Services

The Salvation Army's Sarnia Community and Family Services office gives emergency food and money help toward rent, utilities, and dental or medical costs for people and families in need across Lambton County.

Free local help

Chatham-Kent Legal Clinic (Housing/Tenant Law)

A Legal Aid Ontario community legal clinic that gives free legal help to low-income tenants in Chatham-Kent on housing problems: evictions from a rental or co-op, repairs, harassment, and rent-subsidy problems.

Free local help

R.O.C.K. (Reach Out Chatham-Kent)

A Chatham-Kent street-outreach charity that helps people who are homeless, unstably housed, or affected by substance use.

Free local help

YWCA St. Thomas-Elgin

YWCA St.

Free local help

Society of St. Vincent de Paul - London Particular Council

The Society of St.

Up to $600/year

Salvation Army Woodstock - LEAP Utility Assistance & Food Bank

The Woodstock Salvation Army runs the Low-income Energy Assistance Program (LEAP) for Oxford County.

Free local help

Salvation Army St. Thomas - Community and Family Services

The Salvation Army St.

Free local help

Ingamo Homes - Second Stage Transitional Housing

Ingamo Homes runs second-stage (transitional) townhouse housing in Oxford County for women, Trans and non-binary people and their children who have experienced violence.

Free local help

Domestic Abuse Services Oxford (DASO)

DASO runs a 24-hour crisis line and a high-security emergency shelter for women and children leaving abuse in Oxford County.

Free local help

Operation Sharing - Ingersoll (Food for Friends)

An Oxford County community agency that helps people facing poverty, homelessness, and hunger.

Emergency rent money

Housing Stability Bank (Salvation Army Centre of Hope)

London's rent bank, run by the Salvation Army Centre of Hope's Housing Stability Services in partnership with the City of London.

Up to $780

Inn of the Good Shepherd - LEAP (Energy Bill Emergency Help)

The Inn of the Good Shepherd is the official LEAP intake agency for Bluewater Power customers in the Sarnia area.

Free local help

Community Legal Assistance Sarnia (CLAS) - Tenant / Housing Law

Community Legal Assistance Sarnia (CLAS) is the local free legal clinic, paid for by Legal Aid Ontario.

Free local help

The Inn (Inn Out of the Cold) St. Thomas-Elgin

The Inn is the emergency homeless shelter for St.

Free local help

Neighbourhood Legal Services (London & Middlesex) - Tenant / Eviction Help

A free community legal clinic (funded by Legal Aid Ontario) for low-income people in London and Middlesex.

Free local help

Atlohsa Family Healing Services - Giwetashkad Indigenous Homelessness Strategy

Atlohsa is the Indigenous-led organization leading Giwetashkad, London's Indigenous Homelessness Strategy.

Free local help

Anova - Women's & Children's Shelter and Housing (London)

Anova runs emergency shelters for women and children leaving violence, a 24/7 crisis and support line, walk-in crisis support, and longer-term housing, including second-stage housing and a 25-unit rent-geared-to-income apartment building in South London for women and children who need safe housing.

Free local help

North Lambton Community Health Centre (Sarnia / West Lambton site) - Health & Housing Navigation

The North Lambton Community Health Centre provides health care and health programs, and has a Community Navigator / Housing Support service that can help lower-income people connect to housing, income and community supports.

Money off your energy bill

Entegrus / OESP - Ontario Electricity Support Program

The Ontario Electricity Support Program (OESP) is an Ontario Energy Board program that puts an ongoing monthly credit on the electricity bills of lower-income households, including Chatham-Kent Entegrus customers.

Money off your energy bill

Low-income Energy Assistance Program (LEAP) - Chatham-Kent Intake

LEAP is emergency money for Chatham-Kent households behind on an electricity or natural gas bill and at risk of being cut off.

Monthly money toward your rent

Rent Assistance Benefit (RAB)

This program gives you money each month to help pay rent if you have a lower income and rent your own place in Alberta.

Monthly money for rent and basics

Oxford County Ontario Works (Social Assistance)

Oxford County Human Services (based in Woodstock) runs Ontario Works for Ingersoll.

Monthly money for rent and basics

County of Lambton Ontario Works (Income & Emergency Assistance)

Ontario Works is run locally by the County of Lambton.

Monthly money for rent and basics

Chatham-Kent Ontario Works (Social Assistance)

Ontario Works is run locally by the Municipality of Chatham-Kent.

Monthly money for rent and basics

St. Thomas-Elgin Ontario Works

Ontario Works is the local social assistance program run by St.

Monthly money for rent and basics

Ontario Works (City of London - London & Middlesex)

Ontario Works, delivered locally by the City of London for London and Middlesex County, gives monthly financial assistance for basic needs and rent (shelter), plus help finding work, to people in financial need.

Monthly money for rent and basics

City of London Coordinated Access / Homeless Prevention

The City of London runs Coordinated Access as the single front door for people who are homeless or about to lose their housing in London and Middlesex County.

About $2,000

Depends on your household size and income

County of Lambton - Portable Housing Benefit

The Portable Housing Benefit is a monthly housing payment from the County of Lambton that follows you (it is not tied to one specific apartment).

Free local help

London Food Bank

The London Food Bank gives emergency food to people and families in London.

Free local help

Salvation Army Chatham-Kent - Community & Family Services

The Salvation Army's Chatham-Kent Community & Family Services offers food bank help, housing support, Christmas/seasonal help, and Operation Cover Up.

Free local help

Indwell - St. Thomas Supportive Housing

Indwell is a Christian charity that builds and runs affordable supportive housing, including in St.

Free local help

John Howard Society of Sarnia-Lambton - Supportive Housing / Intensive Case Management

The John Howard Society of Sarnia-Lambton runs a supportive housing and intensive case management program.

Free local help

Inn of the Good Shepherd - Emergency Shelter & Food Bank

The Good Shepherd's Lodge is a 30-bed emergency shelter for single men, women and families who have nowhere to stay in Lambton County.

Free local help

Oxford County Community Health Centre - Housing Stability Program

The OXCHC Housing Stability Program is Oxford County's service for preventing homelessness and keeping people housed.

Monthly money toward your rent

County of Lambton Housing Services (Rent-Geared-to-Income / Social Housing)

The County of Lambton runs the housing-help office for Sarnia and all of Lambton County.

Monthly money toward your rent

St. Thomas-Elgin Social & Affordable Housing / Portable Housing Benefit

St.

Monthly money toward your rent

Housing Access Centre - Rent-Geared-to-Income / Community Housing (London & Middlesex)

The Housing Access Centre is the City of London's one place to apply for subsidized rent-geared-to-income (RGI) and community housing in both London and Middlesex County.

Monthly money toward your rent

Oxford County Rent-Geared-to-Income (RGI) / Community Housing

Oxford County Human Services runs the one waiting list for subsidized rent-geared-to-income housing across the county, including homes for people in Ingersoll.

Monthly money toward your rent

Special Priority Policy (SPP) — Priority Access to Social Housing for Survivors of Abuse and Trafficking

If you are leaving abuse or human trafficking, Ontario can move you to the TOP of the social-housing (rent-geared-to-income) waiting list.

Monthly money toward your rent

Temporary Rent Assistance Benefit (TRAB)

This gives you money each month to help pay rent for a short time.

Up to $16,412/year

Depends on your household size and income

Alberta Seniors Benefit

This gives you extra money each month if you are a low-income senior in Alberta and get Old Age Security.

Up to $5,872

Depends on your household size and income

Special Needs Assistance for Seniors (SNA)

This helps low-income Alberta seniors pay for certain things like appliances, furniture, and some home help such as housekeeping and yard work.

Monthly money for rent and basics

Income Support - Shelter Assistance

Income Support gives you money each month for basic costs like rent if you live in Alberta and do not have enough to cover your needs.

Up to $1,940/month

Assured Income for the Severely Handicapped (AISH) - Living Allowance

AISH gives you money each month if you live in Alberta and have a lasting medical condition that makes it hard to earn a living.

Up to $200/month

Canada-Nova Scotia Targeted Housing Benefit (CNSTHB)

This gives you money each month to help pay rent in Nova Scotia if you spend too much of your income on housing.

Up to $1,022/month

Depends on your household size and income

Nova Scotia Income Assistance (ESIA) - Standard Household Rate

Nova Scotia's ESIA program gives you a set amount each month that covers your basics, including shelter, food, and utilities.

Up to $67,500

Depends on your household size and income

New Brunswick Rent Supplement Program

This program lowers your rent to 30% of your adjusted household income and pays the landlord the difference up to market rent.

Up to $67,500

Depends on your household size and income

New Brunswick Portable Rent Supplement Program

This is rent help for people with a disability that is not tied to one building.

Money paid to you

Canada-New Brunswick Housing Benefit (Direct-to-Tenant Rent Benefit)

This gives you money paid right to you to help with rent in New Brunswick.

Up to $48,500

Depends on your household size and income

PEI Seniors Housing Program

This gives PEI seniors a rental unit or a rent supplement to help with the cost of living.

Monthly money toward your rent

Canada-Newfoundland and Labrador Housing Benefit (CNLHB)

This gives you money each month to help pay rent in Newfoundland and Labrador.

About $337/month

Shelter Aid For Elderly Renters (SAFER)

SAFER gives you money each month to help pay rent if you are a BC senior aged 60 or older with a lower income.

About $700/month

Rental Assistance Program (RAP)

RAP gives you money each month to help pay rent if you are a low-income family with at least one child.

Emergency rent money

BC Rent Bank

BC Rent Bank gives you a loan with no interest if you have a low or modest income and hit a short-term money problem.

Up to $1,140

Depends on your household size and income

BC Income Assistance — Monthly Shelter Allowance

If you get BC income assistance, you also get a monthly shelter amount to help pay your rent.

Up to $1,140

Depends on your household size and income

BC Disability Assistance (PWD) — Monthly Shelter Allowance

If you get BC disability assistance, you also get a monthly shelter amount to help pay your rent.

Monthly money toward your rent

Canada-British Columbia Housing Benefit (CBCHB)

This program helps you pay rent in a regular apartment if you have a low income and do not qualify for BC's other rent help programs (RAP or SAFER).

Up to $600/month

Supported Rent Supplement Program (SRSP)

This program gives you a monthly rent payment plus support services to help you move into or stay in a regular rental.

Up to $430

RAP/SAFER Canada Housing Benefit Top-Up (one-time, 2024)

This was a one-time payment of $430 sent automatically in April 2024 to people who already got BC's RAP or SAFER rent help.

Emergency rent money

Housing Stability Bank (London)

This is a London rent bank run by the Salvation Army Centre of Hope.

Monthly money toward your rent

Community Housing / Rent-Geared-to-Income (London & Middlesex – Housing Access Centre)

This is subsidized housing in London and Middlesex County where your rent is set at about 30% of your income.

Money paid to you

Canada-Ontario Housing Benefit (London & Middlesex referral)

This gives you money each month to help pay rent in a private place in London or Middlesex.

Emergency rent money

Housing Stability Financial Assistance (HSFA) – St. Thomas & Elgin County

This is a one-time emergency fund in St.

Monthly money toward your rent

Social Housing / Portable Housing Benefit Application – St. Thomas & Elgin

This is subsidized housing and portable housing benefits in St.

Monthly money toward your rent

Lambton County Housing Services – Social Housing & Housing Allowance

Lambton County runs subsidized housing for Sarnia and Lambton County.

Monthly money toward your rent

Chatham-Kent Housing Stability Program

This program pairs you with a Housing Stability Worker who helps you keep your home.

Monthly money toward your rent

Chatham-Kent Community Housing (Rent-Geared-to-Income)

This is subsidized housing in Chatham-Kent for people with low to moderate income.

Monthly money toward your rent

Oxford County Community Housing (Rent-Geared-to-Income & Affordable Rental)

Oxford County runs subsidized housing for Ingersoll, Woodstock, Tillsonburg, and nearby townships.

Up to $15,000

Oxford County My Second Unit (Secondary Dwelling Forgivable Loan)

An Oxford County program offering homeowners an interest-free, forgivable loan of up to $15,000 to help plan and finance a secondary, self-contained dwelling unit in their home (e.g.

Up to $780

LEAP / Winter Warmth Utility Assistance (Oxford County area)

This is emergency help with utility bills in the Oxford County area.

Monthly money toward your rent

Canada Housing Benefit (federal-provincial/territorial, including the Canada-Ontario Housing Benefit)

This is a rent help program paid right to you each month to make private rent more affordable if you have a low income.

Money paid to you

Canada Groceries and Essentials Benefit (CGEB)

This is a tax-free payment four times a year that replaces the GST/HST credit starting July 2026.

Up to $1,409.72/month

Old Age Security Allowance (for 60-64 year olds)

This gives you a tax-free payment each month if you are 60 to 64, have a low income, and your partner gets the Guaranteed Income Supplement.

Money paid to you

Guaranteed Income Supplement (GIS)

This adds a tax-free payment each month on top of your Old Age Security pension if you are a low-income senior aged 65 or older.

Up to $666.41/month

Depends on your household size and income

Canada Child Benefit (CCB)

This gives you a tax-free payment each month to help with the cost of raising kids under 18.

Up to $204.20/month

Depends on your household size and income

Canada Disability Benefit (CDB)

This gives you money each month if you are a working-age adult with a low income and a disability.

Funding for affordable housing

Apartment Construction Loan Program (ACLP)

CMHC's low-cost construction financing program for purpose-built rental apartments.

Funding for affordable housing

MLI Select (Multi-Unit Mortgage Loan Insurance)

CMHC's multi-unit mortgage loan insurance product that rewards landlords/developers who commit to affordability, energy efficiency and/or accessibility with better financing terms (higher loan-to-value/cost, longer amortizations and recourse flexibility).

Funding for affordable housing

Affordable Housing Fund (formerly National Housing Co-Investment Fund)

CMHC capital program (low-interest and/or forgivable loans and contributions) for building new affordable/community housing and repairing/renewing existing community housing.

Funding for affordable housing

Affordable Housing Innovation Fund

CMHC fund supporting new ideas, financing models and designs that lower the cost and risk of affordable housing (e.g.

Funding for affordable housing

Housing Accelerator Fund (HAF)

CMHC fund that pays local governments to cut red tape and reform planning systems (zoning, permitting, missing-middle and transit-oriented density) so more homes get built faster.

Up to $170,000

Depends on your household size and income

Canada Greener Affordable Housing (Retrofit + Pre-Retrofit Funding)

CMHC program providing low-interest repayable and forgivable loans (plus pre-retrofit contributions) for deep energy retrofits of existing multi-unit affordable/community housing buildings, to cut energy use and greenhouse-gas emissions.

Up to $2,000,000

CMHC Refinance (Secondary / Additional Suites)

An insured-refinancing pathway that lets an owner refinance an existing home to fund construction of self-contained secondary/additional rental suites (e.g.

Monthly money toward your rent

Rent Supplement Program (Service-Manager Landlord Agreements)

A landlord signs an agreement with the local service manager (e.g.

Monthly money toward your rent

Commercial Rent Supplement Program for RGI Housing (Toronto)

Toronto partners with private market-rental landlords to secure units as rent-geared-to-income (RGI).

Funding for affordable housing

Development Charges Exemption for Affordable Residential Units (Ontario, Bill 23)

Under Ontario's Development Charges Act (amended by Bill 23, the More Homes Built Faster Act), new residential units kept affordable for 25 years are exempt from municipal development charges.

Up to $3,245/year

Rental Housing Supply Program (Toronto)

Toronto's incentive program for new purpose-built rental housing.

Up to $45,000

Affordable Rental Housing Program (City of London - Dollars to Doors)

London's incentive that provides up to $45,000 per new affordable rental unit (as a loan) to offset construction costs, in exchange for keeping rents at 80% of CMHC average market rent for at least 25 years.

Money for building upgrades

Secondary Suite Incentive Program (BC Housing)

A BC forgivable-loan program that helped homeowners build a new secondary suite on their principal residence to rent out below-market, effectively turning a homeowner into a small affordable-housing landlord.

Funding for affordable housing

Affordable Housing Program - Quebec (Programme d'habitation abordable Quebec / PHAQ)

A Societe d'habitation du Quebec funding program that financially supports the construction and renovation of affordable rental housing for low- and moderate-income households and people with particular housing needs.

Monthly money toward your rent

Rent Assist (Manitoba)

Rent Assist gives you money each month to help pay private-market rent if you have a low income in Manitoba.

Monthly money for rent and basics

Employment and Income Assistance (EIA) - Manitoba

EIA is Manitoba's main social assistance (welfare) program.

Up to $375/month

Depends on your household size and income

Saskatchewan Income Support (SIS)

SIS is Saskatchewan's main income help for people in financial need.

Monthly money for rent and basics

Saskatchewan Assured Income for Disability (SAID)

SAID gives you ongoing monthly income if you have a significant, lasting disability and live in Saskatchewan.

Up to $325

Depends on your household size and income

Saskatchewan Housing Benefit (SHB)

This gives you money each month to help with rent and utilities if you rent in Saskatchewan and spend a large share of your income on housing.

Monthly money toward your rent

Saskatchewan Rental Housing Supplement (SRHS)

This was a monthly rent supplement for lower-income families with children and people with disabilities.

Emergency rent money

Rent Bank Programs (Ontario, service-manager administered)

Rent banks across Ontario give emergency help, usually a no-interest loan or in some areas a grant, if you are behind on rent or need a deposit, so you do not get evicted.

Emergency rent money

Emergency Rent and Utility Assistance / Housing Stability Plan (Windsor-Essex)

The City of Windsor offers one-time emergency rent help to keep you from being evicted by covering rent you owe or first and last month's rent.

Free local help

211 Ontario (housing information and referral)

211 is a free phone line and website that helps you find local help.

Free local help

The Salvation Army - Community and Family Services

The Salvation Army runs Community and Family Services in hundreds of communities across Canada.

Free local help

Society of Saint Vincent de Paul (SSVP) - conference assistance

The Society of Saint Vincent de Paul is a Catholic charity whose local groups (called conferences, usually based at a church) help people in need.

Free local help

Indwell - supportive and affordable housing

Indwell is a Christian charity that builds and runs affordable housing across southern and southwestern Ontario.

Up to $780

Low-Income Energy Assistance Program (LEAP) - Emergency Financial Assistance

LEAP gives you a one-time emergency grant if you are behind on your electricity or natural gas bill and could be cut off.

Free local help

Inn of the Good Shepherd - Rent/Utility Support Program (Sarnia-Lambton)

The Inn of the Good Shepherd is a Sarnia-Lambton charity that helps you keep your home if you have an eviction notice or a utility shut-off notice.

Free local help

Housing Help Centres (Ontario, service-manager funded)

Housing Help Centres are local non-profit offices that help you with housing problems for free.

Free local help

St. Leonard's Community Services - Project Home (London & Region)

Project Home helps people 16 and older in London who are homeless or have faced repeated homelessness find and keep housing.

Monthly money toward your rent

Canada-Ontario Housing Benefit (COHB)

This gives you money each month, paid right to you, to help pay rent in Ontario.

Up to $1,408/month

Depends on your household size and income

Ontario Disability Support Program (ODSP) - Income Support (Shelter Allowance + Basic Needs)

ODSP gives you money each month if you have a disability and are in financial need.

Up to $250/month

Depends on your household size and income

ODSP Special Diet Allowance

This adds extra money each month on top of your ODSP if you need a special diet for a medical reason.

Up to $733/month

Depends on your household size and income

Ontario Works (OW) - Financial Assistance (Shelter Allowance)

Ontario Works gives you money each month if you are in financial need and willing to take part in job activities.

Up to $113/month

Depends on your household size and income

Ontario Electricity Support Program (OESP)

This puts a credit on your electricity bill each month if your household has a lower income, so you pay less.

Up to $780

Low-income Energy Assistance Program (LEAP) Emergency Financial Assistance

This is a one-time emergency grant if you are behind on your electricity or natural gas bill and could be cut off.

Grant money

Ontario Renovates

This gives you money, usually as a loan you may not have to repay, to fix up your home or make it more accessible.

Monthly money toward your rent

Homelessness Prevention Program (HPP) - Rent Supplements / Housing Allowances

This is provincial money given to local Service Managers, who use it for rent help, housing allowances, and emergency money to prevent homelessness.

Up to $170/month

Shelter Allowance Program (Allocation-logement)

This gives you up to $170 a month if you have a low income in Quebec and spend too much of it on housing.

Monthly money toward your rent

Rent Supplement Program - Quebec (Programme de supplement au loyer Quebec / PSLQ)

This rent help lets you live in a private, co-op, or non-profit rental while paying just 25% of your income for rent.

Monthly money toward your rent

Low-Rental Housing (Habitation a loyer modique / HLM)

This is public subsidized housing where you pay rent equal to 25% of your income.

Up to $1,574

Depends on your household size and income

Social Assistance Program (Aide sociale) - including shelter needs

This is Quebec's last-resort help for adults with little or no income who do not have a severe limit on their ability to work.

Up to $1,336/month

Depends on your household size and income

Basic Income Program (Programme de revenu de base)

This is a more generous last-resort benefit for people who have had a long-term, severe limit on their ability to work.

Monthly money for rent and basics

Yukon Rent-Geared-to-Income (Social Housing)

Yukon Housing Corporation offers subsidized housing where your rent is set at 25% of your total gross monthly income.

Money paid to you

Canada-Yukon Housing Rental Benefit

This gives you money each month to help pay rent in Yukon if you have a low or modest income and rent a private place.

Monthly money for rent and basics

Yukon Social Assistance - Shelter Allowance

This is last-resort help for basic living costs in Yukon.

Up to $250/month

Yukon Supplementary Allowance

This adds $250 a month on top of social assistance if you cannot work because of a severe or long-term disability, or if you get (or are old enough to get) Old Age Security.

Up to $1,625/month

Depends on your household size and income

Northwest Territories Public Housing Program

This is subsidized rental housing in the NWT for people most in need, in homes owned by Housing NWT across 31 communities.

Up to $800/month

Canada-NWT Housing Benefit (CNHB)

This gives you rent help in the Northwest Territories if you spend more than 30% of your income before tax on shelter.

Monthly money for rent and basics

NWT Income Assistance - Shelter Component

This program helps you cover basic living costs in the Northwest Territories if you are in financial need.

Up to $2,443/month

Depends on your household size and income

Nunavut Public Housing Program

This is public housing across Nunavut where your rent is based on your income on a sliding scale.

Money paid to you

Canada-Nunavut Housing Benefit (CNHB) - Renter

This gives you rent help in Nunavut while you wait for more permanent housing.

Monthly money for rent and basics

Nunavut Income Assistance - Shelter Support

This program gives you money each month if you are 18 or older, live in Nunavut, and are in financial need.