Nicki
To combat soaring rental costs and help low-income tenants stay in their homes, the Government of Canada has announced a $500 one-time housing benefit, administered through the Canada Revenue Agency (CRA).
This non-taxable relief payment is designed to offer short-term assistance to qualifying individuals and families who are financially burdened by rent.
With payments expected to roll out within weeks, here’s a complete breakdown of who qualifies, how to apply, and when you can expect the funds.
What Is the $500 One-Time Payment?
The $500 Canada Housing Benefit one-time top-up is part of a broader initiative to ease housing-related financial pressure for low-income renters. Introduced in July 2024, it remains available in 2025 for those who meet strict eligibility criteria.
It’s important to note that this is not a monthly payment, but a one-time, non-taxable benefit meant to provide temporary relief for housing costs.
Overview of the $500 Housing Benefit
| Program Name | Details |
|---|---|
| Payment Amount | $500 (non-taxable) |
| Administered By | Canada Revenue Agency (CRA) |
| Program Name | Canada Housing Benefit – One-Time Top-Up |
| Application Type | Online, Phone, or Mail |
| Expected Payout Window | Within 5–10 business days after approval |
| Status | Active for 2025 |
Eligibility Criteria for the $500 One-Time Payment
To qualify for the $500 payment, applicants must meet all the following conditions:
1. Citizenship and Residency
- Must be a Canadian citizen, permanent resident, or protected person
- Must have resided in Canada for the applicable tax year
2. Income Threshold
- Individuals: Annual net income must be $20,000 or less
- Families: Combined net income must be $35,000 or less
3. Rent Requirement
- Rent must equal or exceed 30% of your adjusted net income
- Must be your primary residence
4. Tax Filing Requirement
- You must have filed a 2021 tax return (used for income verification)
5. Proof of Rent
- You’ll need:
- Rental agreement or landlord’s contact
- Rent receipts or payment history
These conditions ensure only those genuinely in need benefit from the program.
Payment Schedule – When Will You Get Paid?
Though no official fixed date is provided, payments are expected within weeks of approval. Here’s the estimated timeline:
| Application Type | Estimated Payout Time |
|---|---|
| Direct Deposit | Within 5–7 business days |
| Cheque (by mail) | Within 10–12 business days |
If you qualify and apply quickly, you could receive your $500 relief payment as early as June 2025.
How to Apply for Canada’s $500 One-Time Payment
You can apply in three ways:
1. Online (Recommended)
- Log in to CRA My Account
- Navigate to the “Canada Housing Benefit One-time top-up” section
- Fill out the form and submit your details
2. By Phone
- Call CRA at 1-800-282-8079
- Provide your personal and financial information with assistance
3. By Mail
- Complete a paper application
- Attach all supporting documents (proof of rent, tax return confirmation)
- Send to CRA’s designated mailing address
Once you apply, keep the confirmation number and track your application through CRA’s online portal or helpline.
The $500 one-time Canada Housing Benefit is a crucial support tool for Canadians struggling with high rental costs in 2025. If your income is under $20,000 (single) or $35,000 (family) and rent eats up 30% or more of your budget, you’re likely eligible.
Apply today via CRA My Account, phone, or mail—and get your payment in just a few weeks. This is a limited-time relief opportunity aimed at helping those most in need—don’t miss your chance to benefit.
FAQs
Is the $500 payment taxable or will it affect other benefits?
No, this is a non-taxable benefit and will not affect other government programs like GIS, OAS, or CPP.
Can I reapply next year for the same $500 housing benefit?
This is a one-time top-up. Future programs may be announced, but reapplication is not currently allowed for the same benefit.
What if I haven’t filed my 2021 tax return?
You must file your 2021 return first to qualify. Applications without income verification will not be approved.