John Hughie
The Canada Revenue Agency (CRA) has officially confirmed the $1,200 Housing Top-Up as part of its October 2025 support package.
Designed to help low-income renters struggling with rising housing costs, this tax-free one-time payment is part of the federal strategy to ease the burden of unaffordable rent in cities like Toronto, Vancouver, and Montreal.
With rent prices at record highs, this initiative targets vulnerable Canadians whose rental expenses consume a significant portion of their income.
For many, this boost could prevent eviction or offer much-needed relief heading into colder months.
What Is the CRA $1,200 Housing Top-Up?
The $1,200 CRA Housing Top-Up is a tax-free lump sum offered under the Low-Income Rent Benefit initiative. The payment is intended to support households where rent exceeds 30% of monthly income.
- Automatic payment for past recipients
- Application required for new or changed applicants
- Disbursement begins October 15, 2025
This benefit is a part of Canada’s broader National Housing Strategy, which includes funding for affordable housing and incentives for non-profits.
Eligibility Criteria for $1,200 CRA Housing Boost
To receive the October 2025 CRA housing boost, individuals must meet the following conditions:
- Must be a Canadian resident on October 1, 2025
- Aged 15 or older
- Filed a 2024 income tax return
- Net income must be:
- Below $35,000 for single adults
- Below $55,000 for families
- Must have spent at least 30% of income on rent in the past six months
- Must provide proof of rent (lease, rent receipts, or bank statements)
Income and Rent Threshold
| Household Type | Income Threshold (2024) | Minimum Rent (as % of Income) |
|---|---|---|
| Single Adult | $35,000 | 30% |
| Single Parent | $45,000 | 30% |
| Couple (No Children) | $50,000 | 30% |
| Family with Children | $55,000 | 30% |
Payment Dates & How to Apply
When Will You Get Paid?
- Automatic payments for existing recipients: October 15, 2025
- New applicants must apply via CRA MyAccount
- Direct deposit will be labeled as “CRA Housing Top-Up”
Documents Required for New Applications:
- Lease or rent agreement
- Rent receipts (April–September 2025)
- Proof of 2024 income (if requested)
New applicants should ensure all documentation is accurate and complete to avoid payment delays.
Why This Housing Top-Up Matters
As inflation and housing prices surge, many renters are at risk of:
- Eviction
- Back rent accumulation
- Reduced spending on essentials like food and healthcare
This $1,200 benefit may cover over half a month’s rent in major urban areas and provide urgent relief before winter. It’s a critical bridge for renters between financial strain and stability.
Automatic Payments for Past Beneficiaries
If you’ve previously received rental aid and your CRA details are current, there’s no need to reapply. The system will automatically verify your 2024 return and other eligibility metrics and issue the payment directly.
New Applicants – Here’s What You Need
If your income, address, or family size has changed, or you’ve never received rent aid, apply through CRA MyAccount. Prepare to submit:
- Proof of rent (receipts, lease)
- Bank statements
- Tax return documents
Ensure that all information is updated and reflects your current situation.
Is the CRA Housing Boost Taxable?
No. This $1,200 payment is completely tax-free. It will not affect:
- Your tax refund
- Your CRA assessments
- Other government benefits
This ensures that every eligible recipient receives the full amount without deductions or offsets.
The $1,200 CRA Housing Boost for October 2025 comes as a lifeline for Canadians hit hardest by the housing crisis.
Whether you’re already receiving rent-related support or applying for the first time, this targeted assistance is designed to provide timely, direct relief.
Don’t miss your opportunity—check your eligibility and prepare your documents before October 15 to ensure you receive your payment on time.
FAQs
Do I need to apply for the CRA $1,200 Housing Boost?
If you’ve previously received rent aid and your CRA details are up-to-date, no application is needed. New applicants must apply via CRA MyAccount.
Can students or part-time workers qualify for this benefit?
Yes, if they meet income, residency, and rent-spending thresholds, and are 15 years or older.
Will this payment affect my other CRA benefits?
No. The $1,200 payment is non-taxable and won’t impact your other benefits or tax calculations.
