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Policy and Research

Supporting a Competitive and Innovative Housing System

CMHC’s market analysis, policy, research and knowledge transfer activities support informed decision making within the housing sector through the creation, interpretation and sharing of housing-related data and information. These activities also support CMHC’s role as advisor to the Government of Canada on matters concerning housing policy.

Housing Policy

CMHC facilitates the development and implementation of federal housing policy to help Canadians meet their housing needs. This includes the examination of housing finance trends and policy options for regulations, incentives and securitization tools in the primary and secondary markets; the analysis of distinct housing needs of specific populations such as Aboriginal people, seniors, persons with disabilities, and low-income households, and how these needs can be addressed; and the identification of practical approaches to advancing sustainable technologies and practices in the housing sector.

Working with our provincial, territorial, and non-governmental partners and the private sector to deliver the federal government's housing agenda, CMHC helps Canadians from all walks of life access quality, affordable homes.

Housing Market Information

For more than 25 years, CMHC has been Canada’s leading source of reliable and objective housing market analysis and information. CMHC provides regular housing market analyses and forecasts at the local, provincial and national levels, as well as customized research for internal and external clients to help them better understand market dynamics and housing needs. These activities support informed business decisions, policy development at all levels of government, and housing program design and delivery.

CMHC’s market data, analyses and forecasts are shared with stakeholders through publications, Housing Outlook Conferences, seminars and other presentations across Canada. Statistical reports and tables are also available on CMHC’s website.

CMHC’s Housing Outlook Conferences are held annually across the country and tailored to the specific local market. The conferences help participants to understand new trends in the market place; identify new markets and investment opportunities; determine consumer housing preferences; make business decisions or plan business strategy.

Housing Market Information Portal

The Housing Market Information Portal is another example of how CMHC makes accurate and up-to-date information available to Canadian governments, consumers and the housing industry, at no cost to users. The Portal is a dynamic web-based tool that allows users to access CMHC’s wealth of housing market data in one easy location. From high-level national and provincial housing statistics to local data for specific cities or neighbourhoods, the Portal can readily provide the objective and impartial information Canadians have come to rely on from CMHC.

The housing data you want, the way you want it.

House Price Analysis and Assessment Framework

Launched in 2014, CMHC’s House Price Analysis and Assessment (HPAA) framework is the most comprehensive methodology currently available to identify potentially problematic conditions in Canadian housing markets.

The HPAA is designed to assess housing market conditions taking into consideration four main risk factors: overheating of housing demand; acceleration in house prices; overvaluation in house prices; and overbuilding of the housing market.

HPAA results are updated and released regularly for the national market, selected Census Metropolitan Areas and other markets.

Canadian Housing Observer

The Canadian Housing Observer is an annual online publication providing the housing industry and policy makers with an integrated view of market developments, housing challenges and the changing needs of Canadians.

Illustrated with extensive charts, the Observer covers a broad range of housing information and statistics. It provides information on the trends and factors that influence housing, including the ways in which Canadians are housed, key trends in housing finance, the effects of demographics and the economy on housing, and factors affecting housing affordability.

The Canadian Housing Observer is complemented by Housing in Canada Online, an interactive tool to build custom tables and for analyzing data on various aspects of housing.

Housing Research

CMHC undertakes research that contributes to efficient and stable housing markets and supports the development of housing-related public policy. We strive to provide accurate, timely and impartial value-added analysis and insight and expand the availability of housing-related information to support informed decision making to help Canadians meet their housing needs.

  • Our core research activities include undertaking research on the socio-economic, financial and technical aspects of housing. This includes examining the housing needs of lower-income and other vulnerable Canadians and the impact of demographic trends and other factors on the housing market
  • monitoring and analyzing trends in the residential mortgage lending market, mortgage funding, and the domestic and international regulatory environment
  • undertaking research to build industry capacity and promote consumer knowledge, awareness, and acceptance of best practices and technologies that enhance housing affordability and provide housing that better meets the needs of Canadians

CMHC research is disseminated through a range of knowledge transfer activities, including presentations, web-based information products, print publications, seminars and workshops.

Housing Information Centre

CMHC’s Housing Information Centre is the most comprehensive, up-to-date housing information centre in Canada.

Housing for Older Canadians — The Definitive Guide to the Over-55 Market, Volumes 1-5, offers housing professionals an in-depth look at the needs, expectations and preferences of this market.

For More Information

For more information about CMHC and how it makes a difference in the lives of Canadians, call 1-800-668-2642.



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