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Housing

Housing in Northumberland County costs less money than housing in larger Canadian centres like Toronto, Montreal, Vancouver or Ottawa. Housing in Northumberland County is generally very safe since the surrounding communities are so peaceful.

Definitions

  • House: A building for human habitation, especially one that is lived in by a family or small group of people.
  • Apartment: A suite of rooms forming one residence, typically in a building containing a number of these. Often rented rather than purchased.
  • Townhouse: A 2 or 3 storey house built as one of a group of similar houses, usually attached in a row.
  • Condominium: A building or complex of buildings containing a number of individually-owned apartments or houses.

What is Subsidized Housing?

This is any kind of housing where tenants pay less that the market price for rent.

Also called “social housing”, subsidized housing is a service for people with low incomes or who are refugee claimants (16 years old or older).

Find out more about subsidized housing in Northumberland County

Renting a Home or Dwelling

  • Renting a home or dwelling means you do not own it.
  • You are the tenant and pay a set amount of money each month to live there.
  • It is owned by a landlord or land owner, who collects your rent each month.
  • Leases are an important, legally binding part of any rental agreement. Any damage to a rental property by the tenant must be fixed or paid for by the tenant.
  • Any damage you do not cause as the tenant, such as plumbing that stops working, must be paid for by the landlord.
  • Other costs of renting might be heat and hydro. Make sure any extra costs are outlined in your rental agreement.
  • Rental dwellings do not usually come with furniture, but often include a fridge, stove and other big appliances.

Buying a Home or Dwelling

  • Buying a home or other dwelling means you will own it.
  • You must provide a down payment to secure the purchase and then get a mortgage from a bank or private lender to cover the remaining price at the time of sale.
  • You must pay off your mortgage, including interest, on a regular basis.
  • You may profit if your house or dwelling rises in value over time. You could also lose money if the market value of your home has dropped in price when you sell.
  • If you own a home you must also pay municipal taxes and other fees.
  • Dwellings for sale do not usually come with furniture, but might include a fridge, stove and other big appliances in the purchase price.

To check what apartments or houses are available either to buy or to rent in your area, search the listings at Realtor Canada

To learn more about buying a house or apartment as a newcomer, visit Citizenship and Immigration Canada housing page. For more information about financial help for buying a home, visit the Canada Mortgage and Housing Corporation website.

You can also call The Help Center/Housing Information Line at 905-372-2646 or 1-888-698-3382. Checking the classifieds listings of Northumberland Today and Northumberland News might help you find the house or apartment that you need.

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