Photo by Whitehorse Star
YAPC coordinator Kristina Craig t
Photo by Whitehorse Star
YAPC coordinator Kristina Craig t
Out of about 14,000 renters in the territory,
Out of about 14,000 renters in the territory, more than one third spend more than 30 per cent of their work income putting a roof over their heads.
Thirteen per cent of Yukoners shell out more than half of their paycheques for rent – an amount that’s being deemed as “crisis-level spending.”
These numbers come from the Rental Housing Index released today by group of affordable housing coalitions across Canada.
The Yukon Anti-Poverty Coalition (YAPC) was one of the groups that supported the compilation of data, which were drawn from the 2011 Canadian census.
YAPC coordinator Kristina Craig told the Star this morning that the coalition wanted to be included in a nationwide report, as the territories often get left out.
According to Craig, the numbers weren’t exactly shocking.
“It mostly just confirmed what we’ve been saying all along: we have a housing affordability problem,” Craig said.
And with crisis-level spending, repercussions strike in the areas of mental health and overall health, Craig said.
With the average rent cost in the territory sitting at about $1,000, the fourth-highest in Canada, the burden is hardest hit within low-income households.
The index’s data for both the Whitehorse and the Yukon reflect that incomes less than $25,000 per year require either a reduction in rent or significant salary increase to make the monthly rent cost affordable.
“We have this real inability to see the big picture. If you’re fine, you’re fine,” Craig said, adding that the problem is harder to see for those who have nothing to worry about.
“But it’s not fine. We need to do better.”
The index found that the average income for residents of the Yukon was nearly $62,000 – an amount that would comfortably cover the average rental cost of $1,000.
Craig said the gap between the public and private sectors is vast in the Yukon.
As the data comprising the index are from several years ago, it’s possible some of the numbers could have changed in the years since.
Craig, however, said that the fact that Whitehorse has seen mostly new condos since 2011 is still not addressing the problem that lies in the city.
The Yukon government’s Housing Action Plan was released in June of this year.
The Rental Housing Index will add one more piece to the puzzle that the action plan requires before moving forward.
The challenge stated on the government’s Housing Action Plan website is that “data is (sic) lacking.”
It addresses that low-income individuals and families are challenged to find adequate, affordable rental units but that there is limited understanding of the population and demographics at that end of the housing continuum.
Craig said the new index should provide some of the “data” the government requires.
“There are roles for government to play,” she said.
While the territory is in both municipal and federal election mode, the Vote to End Poverty campaign aims to get candidates and government leaders to speak up about their plans to address the affordable housing problem.
As part of the campaign, the YAPC held a rally in Whitehorse last week to start to build momentum and conversations going about the territory’s need to address poverty.
See more coverage of this subject in Friday’s Star.
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Comments (27)
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Leader candidate for City of Whitehorse on Sep 15, 2015 at 3:49 pm
I have sent Kristine Craig some news ideas on affordable housing and other possible solutions, which are different in approach but effective and is fair to all and result driven.
The current statements by the present Mayor that there has been nothing done on housing and this is his number one priority, is insulting to a lot people and groups.
First, this Coalition has done a lot of good work on a number of issues and to have the Mayor just make such disrespectful comments, just creates poor judgement on his part and frustration for a lot of people including First Nations, Federal and Yukon Government who have and are spending $100 of millions on all types of housing.
Yukon Housing is very busy helping people but the Mayor states they are doing nothing.
So Mayor Curtis show the City of Whitehorse residents how you are going to back up your statements.
Questions - do the people of Whitehorse want City housing?
Second, where are the City action plans on housing?
Third, what experience or understanding does the Mayor have on housing?
Residents are just plain tired of the Mayor talking but saying nothing.
Wilf Carter
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City of Whitehorse you need a leader on Sep 15, 2015 at 11:48 am
that has experience in housing and has plans to support housing.
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Yukoner76 on Sep 14, 2015 at 5:23 pm
Whatever happened to personal accountability and making a life for yourself? YAPC is espousing a nanny state based on dependency. It seems that their strategy to addressing poverty is one-fold: taxpayer dollars. I think they need to branch out and look at other possibilities like job creation, training programs, and lower taxes. There are other alternatives to creating a cradle-to-grave nanny state in which fellow taxpayers are forced to subsidize the sloth of others.
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joe on Sep 14, 2015 at 4:31 pm
Lightning bolt!! The 30% gross income to shelter ratios are archaic and were developed by CMHC in the 80's. YHC's well thought out ( aka expensive and useless) plan should have taken into account new economic realities. You spend more than half your life in your house, shelter, heat and a place to eat, turn on the tap flush the toilet, flick the switch and you expect to pay less than 30% of your gross income to deem it affordable ? New reality, most people spend 40-50% of their gross income on shelter and, it is affordable. The problem that YAPC will not accept is that we have a drug and alcohol problem and people with addictions are not able to afford shelter unless they get proper help. FYI, there is no data lacking, the numbers are the same as they were 10 years ago.
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Salar on Sep 14, 2015 at 12:47 pm
My all these informed minds (I loved Groucho's especially) commenting on whether housing is affordable in Whitehorse.
There are two different modes here....there are those who don't make enough to afford a mortgage (don't qualify) and those who make enough to afford a mortgage (do qualify).
Sad but if you can 'afford' to buy a house in Whitehorse you will likely never pay it off....there is no demand for houses now....there is no forecasted demand on the horizon (Canada is in deficit as well) so prices are going to reflect that. The mortgage variable will be carried on the next mortgage of anyone having bought high and forced to sell low.
I know, doom and gloom but expect money to get even harder to borrow over the next number of years and notice how that will influence Yukon housing prices.
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Brian on Sep 13, 2015 at 7:30 pm
Maybe people take a look at the building codes! The cost of building a stick frame house is enormous. thats the root of the issue.
Maybe it's all the false sense of wealth that people put in these homes with expensive fake finishes.
I can build a 840sq ft house to minimum building standards that is nice and finished for $68,000 in materials, (8x8 timbers) but the same house built with dimensional lumber is $223,000 in material.
Log looks more beautiful, and when you look at the end price, that's a lot less paycheques towards the roof and a lot more into savings.
There you go folks, that's why it's so expensive. Remember WANTS vs NEEDS!!!
Up 29 Down 4
Groucho d'North on Sep 11, 2015 at 6:14 pm
Housing affordability, low incomes, inflation, poverty run amuck and now stories about Canada being in a recession. I don’t think so. There’s plenty of money in the system, it’s just all clogged up in one place.
When Canada’s charter banks can declare billions of dollars of profit in the first quarter while working Canadians are living paycheque to paycheque indicates there is an imbalance in our national economy. Most of the money is being held by the banks and other financial institutions and an economy does not flourish unless the money circulates creating new wealth through new investment, consumerism and jobs creation.
I don’t have a solution to fix it, but I do think I have a better understanding of the problem- Canada’s economy is unbalanced. Whichever party forms the next government I hope will examine this situation and apply appropriate methods to correct it.
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Realist on Sep 11, 2015 at 3:16 pm
While you are all at it, why not complain about how expensive new trucks are too.
We aren't talking about supplying social housing for that segment of society which truly does need our help, we are talking about people who want cheap housing. Period. I think about when my parents built here in the '60s. They had no kids, no payments of any kind, drove an old beater Pontiac. Took them a few years to build, pay as you go. Everyone now wants everything NOW.
Man, you move up here, do your homework. Get your ducks in a row. If the housing thing doesn't work out, don't come up. Likewise if one wanted to move to Vancouver. I did a quick check, quite a few houses for sale in YXY for under $400K. Not many places in Canada can say that, and if there are places that can, well, maybe that's the place to be.
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Smurf on Sep 11, 2015 at 2:51 pm
@Lower taxes:
You have to look behind the scene: Whitehorse is a city without any common sense about spending and budget. We all can be sure that the taxes and utilities will go up again and again!
Why?
Simple: Our city spends the money first before it's even earned. Also we have some extremely expensive plans in the works (like our "castle" up the hill or more infrastructure in our own "little desert" - Whistle Bend). Also we have totally unorganized city departments and a super luxurious transit system as well.
The money has to come from somewhere (and I don't want to think about the proposed water meters)...
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reality check on Sep 11, 2015 at 2:23 pm
People complaining that 'the housing initiative' didn't happen seem to forget it was for bachelors and one bedrooms and that one of the recipients planned to use the units to house his own staff, after having the tax payer pay for half the cost of building the housing.
It was a huge scam and at least two of the three who were on deck to receive the millions were big time Yukon Party supporters. The Yukon Party clotheslined their own on that deal.
My understanding is that the same crew are in on the new and improved plan, at least one of them is. Persistance pays! Is there a reporter out there who could do a story on this?
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reality check on Sep 11, 2015 at 2:16 pm
I heard a synopsis of this report on the CBC and nationally 40% are spending over 30% of their income on housing, with some areas reaching 50%. So in actuality the affordability in the Yukon is better than average across the country taking into consideration our wages.
That said, if anyone wants to buy my rental places, you can have them! I'll be selling them as I no longer see any net benefit in being a residential landlord in Whitehorse. Too many headaches, too much risk, and not enough return. Practically zero return. Also totally sick of cleaning up after renters when they leaving and fixing things they broke. And these are not bad renters, just the way it goes with the average renter.
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LD on Sep 11, 2015 at 1:50 pm
I am a landlord and I charge what I feel is reasonable for my one bedroom suite. Yes it is under $1000 - not by much but it is under. The person who rents does not work for the government they work in the private sector. As landlord I do face some difficulties though - if something major were to happen in the suite I am the one who has to cover the expense which is why we hold on to the rent money as opposed to putting it straight on our mortgage. If there was burst pipe or massive leak in our unit, depending on the damage the rent might not cover the expense and claiming insurance means our premiums could potentially go up.
I would love to see more affordable housing for families and individuals who need it as I can't imagine what it must feel like to have to make a decision between a roof over your head or food. It would be nice if this housing could be used as a stepping block to help them get ahead not just stay afloat. But there are definitely people out there who can afford to rent from non-social housing (my tenant being one of them and if I didn't own I could afford $1000 per month in rent plus utilities and no I do not work for the government).
While I agree that yes when I look at some of the rents in town I feel like it's a lot for what it is but as a landlord I can also understand where they are coming from. For example our last tenant did leave expensive damage in our suite which is what drove us to raise our rent price. As a landlord I find it hard to find the balance between giving something that is reasonable affordable that will not break us if something went wrong in the suite. It is hard to find that happy medium.
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Yukoner 5 on Sep 11, 2015 at 11:22 am
Anyone else remember the time...oh lets say last year when Minister Cathers pulled the plug on a big housing initiative supported by the City, Chamber of Commerce and even YTG bureaucrats! Cathers himself supported it until his Yukon Party riding association President told him to cancel it. She just happened to be head of the Yukon Landlords/Realtors association. I'm sure it was all a coincidence though.
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Guest on Sep 11, 2015 at 10:58 am
My husband and I were both raised in Whitehorse, but moved out of the territory for school. We haven't moved back yet (12 years later). A huge part of that is because of the cost of housing.. It is so expensive!!! We both earn good salaries where we are, and we could also in Whitehorse, but we will have better quality of life here. Mortgage, rent, phone... It is so expensive in Whitehorse. A shame because it is a nice place to raise a family. Life should be more affordable for Yukoners.
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Lower taxes on Sep 11, 2015 at 8:44 am
The tax on housing is extreme in Whitehorse: ~$2000 a year property tax, and an additional ~$1000 a year for services. So when you rent out a property the first $250 of every month are just gone. Services are understandable, the property tax is not. Either price your services correct as city and show that you are really inefficient, or remove the property tax (a budget GAP filler) and show that you are efficient. With that about $165/month less in taxes, rents can go down, else lower rents are just a pipe dream.
Up 38 Down 4
Not a welfare state on Sep 11, 2015 at 4:39 am
@yukon 56
"The Yukon is not a welfare state" .... Let's see.... Yukons tax income last budget, approx $400 m.... Cheque cut from the Feds to pay for all expenditures the Yukon has, approx $800 m. Tell me again how the Yukon is "not" a "welfare" state? If you are rich here, the massive government subsidies for the last 100 plus years have probably played a very good role in that. Please learn basic math before spouting generalized statements.
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SunnyVale on Sep 10, 2015 at 11:04 pm
Rents in Whitehorse are affordable only to those with well-paid government jobs. Note to landlords: we can’t all be government workers. Two-income couples who can split the rental cost might be okay, but singles have the toughest time finding affordable apartments in decent shape. Where do you expect us to live?
Rents have gone up by at least 30% in the past couple years, but incomes have not…
Why do rents keep skyrocketting, when the prices of houses have decreased in the last little while? The Paszloski YP regime squashed the affordable rental building project … This was utterly wrong.
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Joe on Sep 10, 2015 at 10:28 pm
Ironically the YAPC supported the YHC's useless housing plan. The plan took almost three years to develop and recommends studying stuff everybody already knows. It was developed by staff who know little about housing ( YHC canned all the experts when the DM from education took over) and the plan shows that very clearly, ABC, 123, simple plan, no substance. The YAPC is a tired NGO, always asking others to fix the problems they keep pointing out.
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Deborah on Sep 10, 2015 at 8:11 pm
Housing is not only expensive for seniors and those on fixed incomes. I have a good job and earn a good living yet find Whitehorse rents very challenging, particularly when looking for space for myself and my children. Even in a modest unit with 3 bedrooms my rent is $1800/month. Factor in groceries, phone, internet and the like and it's crazy. My rent is nearly 50% of my income... and my income is higher than many. For anyone single trying to maintain a home with children it's a stretch. Perhaps if I were on social assistance it might be easier to find low rent places but I am not. I do all the things society expects of me; good job, volunteerism, community involvement etc. I also struggle monthly to make it all work. Don't be judgmental, don't be dismissive.
As a homeowner (prior to separation), rental costs were an unknown. I now see the need for options for renters. It's unfortunate the Yukon government chose to withdraw the affordable housing program that was scheduled with federal money. That program would create new affordable spaces for many people as well as employment for many in the construction industry. Please, take off the blinders. Take a look at what the rental market is really like in this city and don't dismiss out of hand those who struggle to find housing they can afford.
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June Jackson on Sep 10, 2015 at 7:47 pm
Yukon 56: I usually agree with you.. but.. we ARE a welfare state. Haven't you looked around? Welfare is very lucrative in the Yukon...Most couples register for welfare single.. that way they each get shelter money. I personally know a couple, the man receives $900 a month for a cabin outside of Carcross that he has never even seen plus food and incidentals..we gotta pay for his smokes and the lady and children are getting around $1,700 a month and they are getting new accommodation because she doesn't like the place they are in. He has lived with her for 3 years. They both get clothing allowances, furniture allowances and "emergency food" money mid month for the kids. Many people learn rather quickly how to milk the system.
The Feds and local Gov want people dependent on them.. a person that is afraid they won't have a roof, or food, or medicine.. is a person easy for the government to control.
I am 74. My pensions were enough to live on, not enough for a trip to Vegas, never been there, or a new car.. mine is 14 years old. I had to go back to work. Rent is the killer. My rent went up $300 a month now and my pensions went up $1.65. The government has failed to protect seniors, or renters by letting the cost of a roof skyrocket. If you work ALL your life.. pay your taxes, don't smoke, drink, party..you raise a garden, raise your family, picnic.. MAYBE you get 1 opportunity to take the kids to Disneyland.. at the end. You get NOTHING. There are NO perks for living a decent life, no rewards for working hard. The Government will tax those pensions and the person who NEVER worked a day in their life will get Yukon supplements, federal guaranteed income..extra allowances for winter clothing and have a bit more than you do, they even get more Pioneer Grant. They don't even thank you for working all your life so they don't have to.
Move out? Are you kidding? Its upwards of 30 thousand dollars to move out unless you leave everything, put your clothes in the car and leave. People can't afford to move out. They can't afford to move in either, that's why YTG pays for all the moving expenses. I am happy for you if you able to live here on one paycheck in a rental. I think there are many living payday to payday. Canada is such a rich country.. I don't know how we got 1 million people a month at food banks and 25% of the population don't have a roof. Have you seen the price of meat lately? Even meat is becoming a commodity for the rich...along with fresh fruit and vegetables.
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Joseph Campbell on Sep 10, 2015 at 5:40 pm
Yes, I pay at least 30% of my income before taxes for rent. I blame the government workers who are always demanding more money for salaries. And when they get their guaranteed annual raises, all the prices in town go up. And Yukon 56, sounds like you're a government/welfare state worker. Or you're comment is just dumb.
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Politico on Sep 10, 2015 at 4:55 pm
RENT OR HOME NO DIFFERENT Unbelievable statement, to buy a building costs more than to rent it! Renters have to cover all the cost plus a profit/ emergency fund for the landlord. I'm buying a condo for $1200 Mo, some here are renting out for $1700. Cheaper to buy.
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no free rides on Sep 10, 2015 at 4:54 pm
I pay 45% for my mortgage!
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Martin on Sep 10, 2015 at 4:45 pm
Lots of "interest groups" still blaming YG for the housing unaffordability in the CoW, when in reality is the City that doesn't allow development of low priced residential lots.
CoW, simply put, doesn't want poor people living here. A trailer park is much as they can put up with; and even those are designed to a higher standard compared to other jurisdictions
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Yukon 56 on Sep 10, 2015 at 4:24 pm
Can't afford to live here? MOVE - simple really, It is Not a welfare state
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warren on Sep 10, 2015 at 4:01 pm
I recently moved here from Alberta and yes housing is unaffordable for seniors on fixed income......something has to change or no one will move here. ......unless that's what the current government wants. .......??
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RENT OR HOME NO DIFFERENT on Sep 10, 2015 at 3:59 pm
Renting is cheaper than trying to own your home! Finally saved enough to buy our home, there is no difference, except I have to pay more than a renter. Taxes, electrical, water, sewage and whatever may come along! Sometimes I think it is a lot better off to just stick with renting no matter what the cost may be!