RGI Toronto: Rent-Geared-to-Income Housing
Rent-geared-to-income (RGI) housing in Toronto is subsidized housing where your rent is based on your income, usually about 30 per cent of your monthly household income. It is run by the City of Toronto through its Housing Connections office, which takes applications and maintains one centralized wait list covering Toronto Community Housing, Toronto Seniors Housing, non-profit and co-operative housing providers, and some rent supplements.
Need a place tonight? RGI is not emergency housing and cannot house you immediately. If you need a bed tonight in Toronto, call Central Intake at 416-338-4766 (toll-free 1-877-338-3398), 24 hours a day, or call 3-1-1. See find a shelter near you and what emergency housing is.
What RGI is, and who runs the wait list in Toronto
RGI is rent set by your income rather than by the market, usually about 30 per cent of gross monthly household income. If some or all of your income is from Ontario Works or the Ontario Disability Support Program, your RGI rent is calculated differently. Income is measured on line 23600 of your Notice of Assessment, and full-time student income is excluded.
In Toronto, applications go through the City's MyAccesstoHousingTO portal and the Centralized Waiting List. Applications are made online, and your application date matters, so apply as soon as you are eligible.
Income and asset limits for Toronto, 2026
Income limits are maximums: your household income must be under the limit for the largest unit size you qualify for. These are the 2026 household income limits for Toronto, and the asset limit is $150,000 per household.
| Unit size | Household income limit |
|---|---|
| Studio (1-2 people) | $60,000 |
| 1-bedroom (1-2 people) | $70,000 |
| 2-bedroom (2-4 people) | $79,000 |
| 3-bedroom (3-6 people) | $84,000 |
| 4-5 bedroom (8-10 people) | $83,000 |
Who can apply
- You must be 16 years or older, with permanent status in Canada, and have a low to moderate income.
- At least one household member must be able to live independently, with or without support services.
- Household income must be below the limit for the unit size you are asking for, and household assets must be below $150,000.
- No member of your household can have a deportation, departure or exclusion order, and no member can owe arrears to any social housing unit.
How to apply in Toronto
- Apply online at MyAccesstoHousingTO, the portal for Toronto Community Housing, Toronto Seniors Housing, non-profit and co-operative providers, and rent supplements.
- Gather your documents first. You will need identification showing status in Canada for all household members, and income verification for all adult household members.
- Choose the properties and unit sizes you will accept. Be careful: you are entitled to only one RGI offer. If you refuse it, your file will be cancelled under O. Reg. 367/11 s. 32.2.
- Keep your file current. Tell the City within 30 days of any change to your address, phone number, income or household, and confirm your file at least once a year. Once housed, report any income change to your housing provider within 30 days.
Wait times in Toronto
Toronto publishes wait times measured in years, not months. City of Toronto 2025 data as reported in secondary summaries of the City's RGI how-to guide gives about 12 years for a studio, 14 years for a one-bedroom, 12 years for a two-bedroom, and 15 years for a three-bedroom or larger unit. A secondary summary also reports 104,851 applications on the Centralized Waiting List in Q1 2026. These figures were not re-checked against the live City guide for this page, so treat them as indicative. Apply as soon as you are eligible: your place on the list is dated from your application.
Special Priority in Toronto
Province-wide, Special Priority applies if you are being abused by someone you lived with in the past three months, and it moves you to the top of the wait list. You will need supporting documents from a professional, such as a doctor, counsellor, shelter worker or police officer, and an interview with City staff. Ask about Special Priority when you apply. Do not wait for your situation to get worse before asking.
Check your eligibility first: RGI eligibility in Ontario is the yes/no checklist to work through before you apply. For the province-wide picture, read rent-geared-to-income housing in Ontario.
Frequently asked questions
How do I apply for rent-geared-to-income housing in Toronto?
Apply online through the City of Toronto MyAccesstoHousingTO portal. It covers Toronto Community Housing, Toronto Seniors Housing, non-profit and co-operative providers, and some rent supplements.
What are the income limits for RGI in Toronto?
For 2026: studio $60,000, one-bedroom $70,000, two-bedroom $79,000, three-bedroom $84,000, four-to-five bedroom $83,000. The asset limit is $150,000 per household.
How long is the wait for RGI housing in Toronto?
Toronto publishes wait times in years: about 12 years for a studio, 14 years for a one-bedroom, 12 years for a two-bedroom and 15 years for a three-bedroom or larger unit (City of Toronto 2025 data, as reported in secondary summaries).
Your next step
Apply through MyAccesstoHousingTO if you are eligible, and keep your file current.