The Rise of Secondary Suites in Toronto: A Solution for Housing Affordability?
As Toronto grapples with a persistent housing affordability crisis, the conversation around secondary suites is gaining momentum. These additional living spaces, often created within single-family homes, are becoming increasingly relevant in discussions about how to address the city's housing challenges.
What Are Secondary Suites?
Secondary suites, also known as in-law suites or basement apartments, are self-contained units that exist within a larger home. These spaces typically include a separate entrance, kitchen, bathroom, and living area, making them ideal for rental purposes. This setup allows homeowners to maximize their property’s potential while providing affordable housing options for tenants.
Are Secondary Suites Addressing the Housing Shortage?
Toronto's real estate market has been characterized by skyrocketing home prices; in August 2025, the average home price in the Greater Toronto Area (GTA) was reported at $1,022,143, down 5.2% year-over-year, according to the Toronto Regional Real Estate Board (TRREB). Despite this decrease, the affordability crisis remains pressing, especially for first-time buyers. Some argue that secondary suites can alleviate this pressure by increasing the available rental stock.
Financial Incentives for Homeowners
For many homeowners, converting a portion of their property into a secondary suite presents a financial opportunity. Rentals.ca states that as of August 2025, the average rent for a one-bedroom apartment in Toronto, ON is $2,290 per month. This rental income can significantly offset mortgage payments, property taxes, and maintenance costs. But does this financial benefit justify the effort and responsibility of managing a rental unit?
Legislative Changes: Support or Challenge?
In 2021, CMHC's Housing Market Insights study found that 1 in 6 ground-oriented homes include secondary units, a figure that continues to rise. The City of Toronto has implemented supportive policies to promote secondary suites, streamlining the approval process through recent zoning bylaw amendments. This raises a question: Are these changes enough to encourage more homeowners to invest in secondary suites?
The Downsides of Living in a Basement Suite
While secondary suites can offer affordable housing options, they also present several drawbacks:
Natural Light and Ventilation: Basement suites often lack natural light and can have poor ventilation, leading to a darker and stuffier living environment.
Potential for Dampness and Mold: Basements are more susceptible to dampness, which can lead to mold growth and health risks.
Noise Levels: Noise from above or outside can be more pronounced, affecting comfort in the living space.
Safety Concerns: Some basement suites may lack proper emergency exits, posing safety risks.
Conclusion
The rise of secondary suites in Toronto presents a multifaceted discussion on addressing housing affordability. While they offer potential solutions for both homeowners and renters, the challenges and implications cannot be overlooked.
Would you consider living in a secondary suite, despite the drawbacks?
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