Moving to Canada is an important step for many immigrants seeking better employment opportunities, quality education, and a more stable future. However, finding affordable accommodation after arriving in the country can be challenging, particularly for newcomers who are still searching for jobs, building their finances, or adjusting to a new environment.
Calgary, Toronto, and Ottawa are among the Canadian cities immigrants consider when planning their relocation. Each city offers different housing opportunities, employment prospects, transportation options, and living expenses.
While Toronto is known for its large employment market and multicultural communities, Calgary attracts newcomers with its growing economy and range of residential neighbourhoods. Ottawa, Canada's capital, also provides accommodation opportunities for individuals and families looking for a balance between employment, education, and quality of life.
For immigrants arriving without an established Canadian rental history or credit score, finding a landlord willing to consider their application may require additional preparation. Fortunately, there are several ways to find reasonably priced apartments, shared accommodation, and rental properties in these cities.
This guide explains where new immigrants can find affordable apartments in Calgary, Toronto, and Ottawa, the types of accommodation available, rental requirements, useful housing websites, and practical ways to reduce housing expenses.
1. Affordable Apartments in Calgary for New Immigrants
Calgary is one of the Canadian cities worth considering when searching for reasonably priced accommodation. Located in Alberta, the city offers employment opportunities in industries such as construction, transportation, healthcare, technology, hospitality, and energy.
Compared with Toronto, Calgary generally offers lower rental prices, making it attractive to newcomers who want to manage their relocation expenses.
Types of Affordable Apartments in Calgary
New immigrants can explore different accommodation arrangements depending on their financial situation and household size.
One-bedroom apartments: These are suitable for individuals or couples who want private accommodation without paying for additional rooms.
Two-bedroom apartments: Families and immigrants relocating with children may find these apartments more convenient. Some tenants also share the accommodation to reduce expenses, subject to the rental agreement.
Basement apartments: Some homeowners rent out separate basement units with private entrances, kitchens, and bathrooms.
Shared apartments: Renting a bedroom in an apartment occupied by other tenants can significantly reduce monthly housing expenses.
Areas to Explore in Calgary
Newcomers searching for affordable accommodation can investigate neighbourhoods such as:
Forest Lawn.
Marlborough.
Dover.
Castleridge.
Martindale.
Saddleridge.
Rental prices vary between properties, but exploring neighbourhoods outside the most expensive central areas may provide additional options.
Estimated Apartment Rental Costs in Calgary
According to Statistics Canada's first-quarter 2026 asking-rent statistics, the average asking rent was approximately:
Apartment type | Monthly asking rent |
|---|---|
One-bedroom | $1,550 |
Two-bedroom | $1,900 |
These figures are market averages for available rental listings, not guaranteed prices for every neighbourhood or property.
Where to Find Apartments in Calgary
Immigrants can search for available rental properties through:
Newcomers can also visit the Calgary Housing Company website to learn about affordable and subsidised housing programmes.
Eligibility requirements apply, and some programmes are restricted to specific immigration categories and Alberta residents.
2. Affordable Apartments in Toronto for New Immigrants
Toronto is one of Canada's most popular destinations for immigrants because of its diverse population, employment opportunities, educational institutions, and established newcomer communities.
The city offers opportunities in finance, healthcare, technology, transportation, construction, retail, and other industries.
However, accommodation in Toronto is generally more expensive than in Calgary and many other Canadian cities. New immigrants should therefore plan their housing budgets carefully before relocating.
Types of Affordable Apartments in Toronto
Studio apartments: These properties combine sleeping and living spaces into one main room. They are suitable for individuals who want private accommodation at a potentially lower cost.
One-bedroom apartments: These provide a separate bedroom and living area, making them suitable for individuals or couples.
Shared apartments: Newcomers can rent individual bedrooms in larger apartments and share common facilities with other tenants.
Basement apartments: Some Toronto homeowners offer basement units for rent. These can provide more affordable alternatives to conventional apartments.
Room rentals: Renting a single room is another option for immigrants who want to reduce their initial accommodation expenses.
Areas to Explore in Toronto
Newcomers searching for reasonably priced accommodation can consider exploring:
Scarborough.
North York.
Etobicoke.
Rexdale.
Weston.
York.
These locations offer different residential arrangements, transportation connections, and access to local services.
However, affordability depends on the specific property, building condition, distance from public transportation, and rental demand.
Estimated Apartment Rental Costs in Toronto
Statistics Canada's first-quarter 2026 asking-rent figures provide the following approximate market benchmarks:
Apartment type | Monthly asking rent |
|---|---|
One-bedroom | $2,110 |
Two-bedroom | $2,660 |
Toronto's rental market can be expensive, so immigrants with limited budgets may find shared accommodation or private room rentals more manageable when they first arrive.
Where to Find Affordable Apartments in Toronto
Some useful websites for searching rental properties include:
Newcomers can also explore affordable housing information through the City of Toronto housing resources.
Some affordable housing programmes operate waiting lists, and applicants must meet specific eligibility requirements.
3. Affordable Apartments in Ottawa for New Immigrants
Ottawa, Canada's capital city, is another attractive destination for immigrants searching for employment, education, and affordable accommodation.
The city has employment opportunities in government administration, healthcare, technology, education, construction, and professional services.
Although Ottawa is not the cheapest Canadian city, its rental market may offer more manageable options than Toronto, depending on the neighbourhood and type of accommodation.
Types of Affordable Apartments in Ottawa
New immigrants can explore several housing arrangements in Ottawa.
Bachelor apartments: These are compact properties that combine sleeping, cooking, and living spaces. They can be suitable for individuals who want to reduce accommodation costs.
One-bedroom apartments: These provide additional privacy and are suitable for individuals or couples.
Two-bedroom apartments: Families and newcomers relocating with children may prefer these properties.
Shared accommodation: Renting a room in an apartment or house can help newcomers save money while establishing themselves financially.
Basement apartments: Some Ottawa property owners offer independent basement units with separate living facilities.
Areas to Explore in Ottawa
Immigrants looking for affordable accommodation can investigate the following neighbourhoods:
Vanier.
South Keys.
Nepean.
Orleans.
Gloucester.
Overbrook.
These neighbourhoods provide different housing options, although rental costs and transportation convenience vary.
Newcomers should compare properties based on their proximity to workplaces, schools, grocery stores, and public transportation.
Estimated Apartment Rental Costs in Ottawa
According to Statistics Canada's first-quarter 2026 asking-rent figures, approximate monthly rental costs were:
Apartment type | Monthly asking rent |
|---|---|
One-bedroom | $1,890 |
Two-bedroom | $2,350 |
These figures provide a general indication of the rental market and should not be treated as fixed prices.
Where to Find Affordable Apartments in Ottawa
Newcomers can explore rental properties through the following websites:
Immigrants can also visit the City of Ottawa housing services website to learn about affordable housing opportunities and available support programmes.
4. Comparing Apartment Rental Costs in Calgary, Toronto and Ottawa
Before choosing a city, immigrants should compare accommodation costs and consider how much they can comfortably spend on housing.
However, rent should not be the only factor when choosing where to settle. Employment opportunities, transportation costs, childcare, neighbourhood safety, and access to essential services should also influence the decision.
5. Requirements for Renting an Apartment in Canada as a New Immigrant
One challenge newcomers may encounter when searching for apartments is the lack of Canadian rental history or credit records.
Some landlords prefer applicants who can demonstrate stable employment, sufficient income, and a history of making rental payments.
However, not having an established Canadian credit history does not automatically prevent someone from renting an apartment.
Common documents and information landlords may request include:
Valid identification, such as a passport or other accepted identification.
Proof of employment or an employment offer letter.
Recent bank statements showing available funds.
References from previous landlords, where available.
Information about previous rental arrangements.
Credit reports, if available.
A guarantor where legitimately required.
New immigrants who do not have all these documents should explain their circumstances and ask whether alternative evidence can be considered.
In Ontario, landlords must follow human rights rules when assessing rental applications. A lack of Canadian credit or rental history should not automatically be treated negatively.
6. Affordable Housing Assistance Programmes for New Immigrants
Apart from private rental properties, immigrants may explore affordable housing programmes and community organisations that help eligible newcomers find suitable accommodation.
Some useful resources include:
Canada Mortgage and Housing Corporation (CMHC)
CMHC provides housing information, rental market reports, and resources that can help newcomers understand the Canadian housing market.
Government of Canada Newcomer Housing Information
The Canadian government provides information about finding accommodation, renting an apartment, understanding rental agreements, and accessing housing assistance.
211 connects individuals with community and social services, including housing assistance, emergency accommodation, and settlement support.
Calgary Housing Company
This organisation provides affordable housing and rent assistance programmes for eligible residents of Calgary.
City of Toronto Housing Services
Toronto provides information about subsidised housing, affordable rental opportunities, and housing support.
City of Ottawa Housing Services
Newcomers can explore municipal housing services and information about affordable housing programmes.
It is important to understand that government-funded housing assistance is not automatically available to every immigrant. Eligibility depends on immigration status, income, residency requirements, and the specific programme.
7. Tips for Finding Affordable Apartments in Canada Without a Canadian Credit History
Finding an apartment without an established Canadian credit record may require additional preparation. However, there are practical steps newcomers can take to improve their rental applications.
Prepare financial documents: Keep copies of bank statements, employment letters, and other documents that demonstrate your ability to pay rent.
Consider shared accommodation: Renting a room or sharing an apartment can be easier and less expensive than applying for an entire apartment immediately.
Search outside expensive neighbourhoods: Explore residential communities farther from major city centres, provided transportation remains convenient.
Contact property managers directly: Some landlords may consider alternative documentation from newcomers who have recently arrived in Canada.
Provide references: Previous landlords or employers may be able to provide references that demonstrate reliability.
Compare several rental properties: Avoid accepting the first offer without checking other available options.
Understand your tenant rights: Learn the rental laws that apply in your province before signing an agreement or paying a deposit.
8. How to Apply for an Affordable Apartment in Calgary, Toronto or Ottawa
Although the application process differs between landlords and property management companies, the following steps can help immigrants secure suitable accommodation.
Choose your preferred city: Decide whether Calgary, Toronto, or Ottawa best matches your employment, education, and financial plans.
Set your rental budget: Determine how much you can afford to spend on accommodation each month.
Search online rental platforms: Visit established property websites and compare available apartments.
Contact landlords: Ask about rental availability, viewing arrangements, monthly costs, and application requirements.
Arrange a property inspection: Visit the apartment or request a live video viewing before making any payment.
Prepare your documents: Organise identification, proof of funds, employment information, and references.
Review the rental agreement: Understand the payment terms, tenancy duration, responsibilities, and applicable provincial regulations.
Complete the application: Submit the required information and wait for the landlord's decision.
Keep payment records: Request receipts and retain copies of your rental agreement.
Newcomers who are still outside Canada should be particularly careful when dealing with online rental advertisements. Verify the landlord and property before sending money.
Related Article: Affordable Apartments in Calgary, Toronto and Ottawa, Canada for New Immigrants
Frequently Asked Questions
Which city is cheaper for new immigrants to rent an apartment: Calgary, Toronto, or Ottawa?
Based on Statistics Canada's first-quarter 2026 asking-rent estimates, Calgary is the cheapest among the three cities for both one-bedroom and two-bedroom apartments. Ottawa comes next, while Toronto has the highest rental costs.
Can new immigrants rent apartments in Canada without a Canadian credit history?
Yes. Some landlords accept alternative documents, such as bank statements, employment letters, previous rental references, and proof of savings. Requirements differ between landlords and provinces.
What is the average cost of renting a one-bedroom apartment in Calgary, Toronto, and Ottawa?
Based on first-quarter 2026 asking-rent estimates, a one-bedroom apartment costs approximately $1,550 monthly in Calgary, $2,110 in Toronto, and $1,890 in Ottawa. Actual rental prices depend on location, property condition, and available facilities.
Are there organisations that help new immigrants find affordable housing in Canada?
Yes. Newcomers can contact organisations and government housing services such as CMHC, 211 Canada, local settlement agencies, Calgary Housing Company, and municipal housing departments. Assistance depends on eligibility and programme availability.
Can immigrants rent furnished apartments in Calgary, Toronto, and Ottawa?
Yes. Immigrants can find furnished apartments and rooms through websites such as Airbnb, Furnished Finder, Rentals.ca, and Kijiji. Some landlords also offer short-term furnished accommodation for newcomers who need a place to stay before securing permanent housing.
Conclusion
Finding affordable apartments in Calgary, Toronto, and Ottawa can make the transition to life in Canada easier for new immigrants. Although each city offers different housing opportunities, newcomers can explore shared apartments, basement units, private room rentals, studio apartments, and affordable housing programmes.
Calgary may be a suitable option for immigrants prioritising lower rental costs, while Toronto offers access to a large and diverse employment market. Ottawa is another option for newcomers interested in government, technology, healthcare, and education-related employment opportunities.
Before choosing a property, immigrants should compare rental prices, consider transportation expenses, prepare the necessary documents, and understand their rights as tenants.
With proper planning and careful research, newcomers can find accommodation that matches their financial situation while creating a stable foundation for their new life in Canada.