Canada Household Cost Index 2025
Coming soonA national reference model for the real cost of owning and living in a home, normalized to a baseline of 100. This edition will publish regional comparisons once coverage and verification meet our quality threshold.
What you’ll get
Regional rankings
Compare regions by the typical annual cost to operate a home, relative to a national baseline.
Cost drivers
See what’s driving differences, including property tax, electricity, heating, maintenance, and insurance.
Transparent methodology
Built from public tables, verified submissions, and clear modelling assumptions.
Index preview
Index by region
Top cost drivers
Preview only. Results will appear here when the 2025 edition is published.
How the index is calculated
Each component is normalized to a baseline of 100, then combined into a composite index.
Component index: Iᵢ = 100 × (Cᵢ / Bᵢ)
Overall index: CHC = 100 × Π (Iᵢ/100) ^ wᵢ
- Property tax
- Electricity
- Space heating energy
- Maintenance (annualized)
- Home insurance (proxy)
We publish methodology and sources, but not every internal modelling constant.
What it’s built from
- Public rate tables
- Verified community submissions
- Modeled engineering assumptions
- Aggregated, privacy-safe usage patterns
- Engineering judgement
We don’t store personal financial inputs as part of the index.
Help expand coverage
If your municipality or utility isn’t represented yet, you can help by submitting the official public rate and a source link. We verify every entry before publishing.
Last updated: February 2026