Moving to Canada as a new immigrant is an exciting step, but finding an affordable apartment can be challenging, especially during the first few months. Rent, security deposits, employment requirements, credit checks, and unfamiliar rental procedures can make the search difficult for newcomers who have not yet established a financial history in Canada.
Calgary, Toronto, and Ottawa are three popular destinations for immigrants, but they offer different housing costs, employment opportunities, and lifestyles. Toronto has a large job market and immigrant community, but housing is generally more expensive. Calgary may offer better value for renters seeking more space, while Ottawa provides a balance of employment opportunities, public services, and residential neighbourhoods.
This guide explains where new immigrants can find affordable apartments in these three Canadian cities, the rental costs to budget for, websites to use, and important steps to take before signing a lease.
Average apartment rental costs in Calgary, Toronto and Ottawa
The following figures are useful benchmarks when planning your budget. They are average asking rents for September 2026, not guaranteed prices or the cheapest available apartments.
City | 1-bedroom apartment | 2-bedroom apartment |
|---|---|---|
Calgary | CAD $1,611/month | CAD $1,971/month |
Toronto | CAD $2,228/month | CAD $2,943/month |
Ottawa | CAD $1,975/month | CAD $2,451/month |
Source: Rentals.ca October 2026 National Rent Report, reporting September 2026 asking rents.
Calgary is the least expensive of these three cities based on these figures. Toronto is the most expensive, particularly for two-bedroom apartments. Ottawa falls between them. Actual prices depend on the neighbourhood, building, apartment condition, and whether utilities are included.
Affordable Apartments in Calgary, Toronto and Ottawa Canada
1. Affordable Apartments in Calgary, Alberta
Calgary is worth considering for immigrants who want to balance housing costs, employment opportunities, and access to essential services. Compared with Toronto, Calgary generally has lower average apartment rents, although prices vary by neighbourhood and building.
The city has employment opportunities in industries such as energy, construction, transportation, logistics, healthcare, technology, and professional services.
Average apartment rent in Calgary
Based on September 2026 asking-rent figures:
One-bedroom apartment: approximately CAD $1,611 monthly.
Two-bedroom apartment: approximately CAD $1,971 monthly.
Three-bedroom apartment: approximately CAD $2,376 monthly.
These are market averages, not fixed rental prices. Smaller apartments, basement suites, older buildings, and shared accommodation may cost less.
Neighbourhoods to investigate in Calgary
1. Northeast Calgary
Areas such as Castleridge, Martindale, Falconridge, Taradale, and Saddle Ridge are worth investigating for apartments and basement suites.
These communities have access to shopping centres, schools, public transportation, and other everyday services. Immigrants with family members may find different apartment sizes and rental arrangements here.
2. Forest Lawn and Marlborough
These neighbourhoods in eastern Calgary are worth comparing when searching for more budget-conscious accommodation. They offer access to shopping, bus routes, and other local amenities.
3. Dover and Erin Woods
Dover and Erin Woods are additional areas to explore for apartments, basement suites, and rental homes. Compare transportation connections and the distance to your workplace before committing.
4. Bowness
Bowness offers a different residential environment in northwest Calgary. Renters may find older apartment buildings and basement suites, although available prices and transport convenience differ by location.
Where to find affordable apartments in Calgary
The following websites are useful starting points:
RentFaster.ca – Search apartments, houses, basement suites, and rooms across Calgary.
Rentals.ca – Compare apartment listings and rental prices.
Zumper – Browse available rental properties.
Rentch – Explore Calgary rental and property-management services.
New immigrants should also check individual property-management websites because some apartment buildings advertise vacancies directly.
2. Affordable Apartments in Toronto, Ontario
Toronto is one of Canada's largest immigrant destinations. It offers a diverse population, major employers, educational institutions, public transportation, and established newcomer communities.
However, housing is generally more expensive than in Calgary and Ottawa. A newcomer arriving in Toronto with a limited budget may need to consider neighbourhoods outside the downtown core or begin with a shared apartment.
Average apartment rent in Toronto
September 2026 asking-rent figures indicate:
One-bedroom apartment: approximately CAD $2,228 monthly.
Two-bedroom apartment: approximately CAD $2,943 monthly.
Three-bedroom apartment: approximately CAD $3,586 monthly.
The cost of renting in downtown Toronto can be particularly high. Renters should compare properties in different parts of the Greater Toronto Area rather than restricting their search to central neighbourhoods.
Neighbourhoods to investigate in Toronto
1. Scarborough
Scarborough is a popular area for newcomers because of its multicultural communities, shopping facilities, schools, and public transportation.
Consider comparing apartments in Agincourt, Malvern, Woburn, and nearby residential communities. Prices vary significantly between buildings.
2. North York
North York has apartment buildings, shopping centres, employment opportunities, and public transportation connections.
Newcomers can investigate areas such as Downsview, Jane and Finch, and the Don Mills area. Check the distance to the nearest subway or bus connection.
3. Etobicoke
Etobicoke offers several residential communities with apartment buildings and access to employment areas. Compare properties around Rexdale, Islington, and other parts of the district.
4. York and East York
These areas may provide alternatives to expensive downtown locations. Renters should compare older apartment buildings, basement apartments, and private rental units.
Where to find affordable apartments in Toronto
Viewit.ca – Search apartment rentals across Toronto and other Canadian cities.
Rentals.ca Toronto – Compare rental apartments and prices.
Realtor.ca – Search residential rental listings.
Zumper Toronto – Browse apartments and rental homes.
Rent Panda – Search Ontario rental listings and connect with rental professionals.
Tips for finding cheaper accommodation in Toronto
Consider renting a room before committing to a complete apartment.
Compare older apartment buildings with newer condominium developments.
Look beyond downtown Toronto.
Check whether heat, water, electricity, and internet are included.
Consider nearby communities such as Mississauga, Brampton, and parts of Durham Region, but include commuting costs in your budget.
A lower monthly rent is not necessarily a better deal if it requires expensive daily transportation.
3. Affordable Apartments in Ottawa, Ontario
Ottawa is Canada's capital and is an attractive destination for immigrants seeking employment in government-related services, healthcare, education, technology, administration, and professional services.
Compared with Toronto, Ottawa generally offers a less expensive rental market. It also has residential communities with access to public transportation, schools, shopping facilities, and healthcare services.
Average apartment rent in Ottawa
Based on September 2026 asking-rent figures:
One-bedroom apartment: approximately CAD $1,975 monthly.
Two-bedroom apartment: approximately CAD $2,451 monthly.
Three-bedroom apartment: approximately CAD $2,708 monthly.
Ottawa is not necessarily a low-cost rental market, but it may provide better value than Toronto for newcomers who need a complete apartment.
Neighbourhoods to investigate in Ottawa
1. Vanier
Vanier is a residential neighbourhood close to downtown Ottawa. It has apartment buildings, local businesses, public transportation, and access to essential services.
It is worth comparing older rental properties in this area with newer apartments elsewhere in the city.
2. Gloucester
Gloucester includes several residential communities with apartments, shopping facilities, and transportation connections.
Consider comparing properties around Beacon Hill, Pineview, and other parts of Gloucester.
3. Nepean
Nepean offers a variety of housing types, including apartments, townhouses, and family homes. It may be suitable for immigrants who prefer suburban living.
Compare the rent with transportation costs, particularly if your workplace is in downtown Ottawa.
4. Orleans
Orleans is a suburban community in eastern Ottawa with shopping centres, schools, parks, and residential developments.
It is worth exploring for families and newcomers who want a quieter residential environment.
5. South Keys
South Keys offers access to shopping, public transportation, and residential accommodation. Compare apartments in the surrounding communities as well.
Where to find affordable apartments in Ottawa
Rentals.ca Ottawa – Search available apartments and rental properties.
RentFaster.ca – Browse apartments, basement suites, and houses.
Zumper Ottawa – Compare rental listings.
Realtor.ca – Search residential rental properties.
Centretown Citizens Ottawa Corporation (CCOC) – A nonprofit housing provider offering affordable rental housing. Check its application and availability information; vacancies and eligibility are not guaranteed.
Which City Is Best for New Immigrants Looking for Affordable Apartments?
The best city depends on your income, employment prospects, family size, and preferred lifestyle.
| Factor | Calgary | Toronto | Ottawa |
|---|---|---|---|
| Average one-bedroom rent | $1,611 | $2,228 | $1,975 |
| Average two-bedroom rent | $1,971 | $2,943 | $2,451 |
| Relative housing cost | Lowest | Highest | Middle |
| Employment sectors | Energy, construction, logistics, healthcare, technology | Finance, technology, healthcare, retail, professional services | Government, technology, healthcare, education |
| Suitable for | Budget-conscious newcomers | People prioritising a large job market and established immigrant communities | Families and professionals seeking a balance of services and housing |
Rental figures are in Canadian dollars and reflect September 2026 asking-rent averages.
Calgary: A strong option to investigate if your priority is keeping rent lower while accessing a large urban job market.
Toronto: Worth considering if you have employment, family support, or sufficient savings to manage higher housing costs. Shared accommodation may be a sensible starting point.
Ottawa: A useful middle-ground option for people interested in government, technology, healthcare, and professional employment.
There is no universally best city. A newcomer with a confirmed job in Toronto may be better off living there than moving to Calgary without employment simply because the rent is lower.
How New Immigrants Can Rent an Apartment Without Canadian Credit History
One of the common challenges new immigrants face is having no Canadian credit history or previous rental references.
A landlord may want to know whether an applicant has enough income or savings to pay rent consistently. However, arriving without a Canadian credit score does not automatically mean you cannot rent an apartment.
The Canadian government advises newcomers to contact settlement service providers if they do not have employment, references, or Canadian credit history.
To strengthen your application, prepare the following:
1. Valid identification
Have your passport and relevant immigration documents available. Only provide documents requested through a legitimate application process.
2. Proof of income or employment
If you have secured employment, provide an employment letter showing your position, start date, and salary where appropriate.
If you are self-employed, prepare suitable evidence of your income.
3. Bank statements or proof of savings
A bank statement or bank reference may help demonstrate that you have enough funds to meet your rental obligations.
4. Previous landlord references
If you rented a property in your home country, ask your former landlord for a reference letter containing their contact information and details of your tenancy.
5. Guarantor or co-signer
Some landlords may accept a guarantor who agrees to take financial responsibility if the tenant fails to meet their rental obligations. Understand the legal responsibility before asking someone to sign.
6. Rental application and agreement
Complete the application truthfully and carefully review the rental agreement before signing.
Security Deposits and Rental Rules in Calgary and Toronto
New immigrants should understand that rental laws differ between Canadian provinces. Calgary is in Alberta, while Toronto and Ottawa are in Ontario.
Renting in Calgary, Alberta
Alberta landlords can generally request a security deposit, but it cannot exceed one month's rent when the tenancy begins.
The deposit must be handled according to Alberta's tenancy rules. Ask for a receipt and keep proof of payment.
Renting in Toronto and Ottawa, Ontario
Ontario has different rules. For most residential tenancies covered by the Residential Tenancies Act, a landlord may collect a rent deposit for the last rental period, limited to one month's rent or one rental period, whichever is less.
A landlord cannot collect an additional damage or security deposit under the Act. A refundable key deposit is permitted within the applicable legal limits.
Ontario also provides a standard lease for most residential tenancies.
These rules are important because some newcomers may encounter landlords who request payments that are not legally permitted.
Government and Nonprofit Housing Support for New Immigrants
If you are newly arrived in Canada and struggling to secure accommodation, consider contacting a newcomer settlement organisation.
Depending on your location, immigration status, and eligibility, these organisations may provide housing referrals, settlement counselling, employment support, and information about affordable housing programmes.
Useful resources include:
Settlement.org – Information and guidance for newcomers settling in Ontario.
211 Canada – Find community, housing, and social support services.
IRCC – Settlement Services – Find settlement services for eligible newcomers.
Canada Mortgage and Housing Corporation (CMHC) – Housing information, rental market reports, and affordable housing resources.
Some subsidised housing programmes have long waiting lists and specific income or residency requirements. New immigrants should check eligibility rather than assume that every government housing programme is immediately available to them.
How to Avoid Rental Scams in Canada
New immigrants can be vulnerable to rental scams because they may be searching for accommodation from another country before arriving.
Be careful when someone advertises an apartment at an unusually low price and asks you to send money immediately.
Follow these precautions:
Never send a deposit simply because someone has sent you apartment photographs.
Arrange an in-person viewing or a live video tour.
Confirm that the person advertising the property is authorised to rent it.
Request a written rental agreement.
Verify the apartment's address and building details.
Avoid payment requests involving gift cards, cryptocurrency, or unusual money-transfer arrangements.
Keep copies of receipts and all rental communications.
If you are applying from outside Canada, ask a trusted person to view the property on your behalf where possible.
Related Article: Top Budget-Friendly Temporary Housing Options for Immigrants in the USA
Frequently Asked Questions About Affordable Apartments in Calgary, Toronto and Ottawa
Which Canadian city is cheapest for renting an apartment: Calgary, Toronto, or Ottawa?
Based on September 2026 average asking-rent figures, Calgary is the cheapest of the three. Its average one-bedroom rent was approximately CAD $1,611, compared with $1,975 in Ottawa and $2,228 in Toronto. Actual apartment prices depend on the neighbourhood and property.
Can a new immigrant rent an apartment in Canada without a credit score?
Yes. A Canadian credit history is not an absolute requirement for every rental. Landlords may consider proof of savings, employment letters, previous rental references, and other evidence of financial reliability. Requirements differ between landlords and provinces.
What documents do new immigrants need to rent an apartment in Canada?
Commonly requested documents include identification, proof of income or employment, bank statements, rental references, and a completed application. Some landlords may request a credit check or guarantor. Newcomers should ask what documents are required before submitting an application.
How much money should a new immigrant budget for an apartment in Canada?
Based on the September 2026 market averages, a newcomer should plan for approximately CAD $1,611–$2,228 monthly for a one-bedroom apartment in these three cities. This excludes possible utility bills, internet, tenant insurance, transportation, groceries, and initial rental payments.
Can new immigrants apply for affordable or subsidised housing in Canada?
Some newcomers may qualify for affordable or subsidised housing, depending on their immigration status, income, household circumstances, and the rules of the housing provider. Availability may be limited, and waiting lists can be long. Contact a local settlement agency or housing provider to confirm eligibility.
Conclusion
Calgary, Toronto, and Ottawa each offer different opportunities for new immigrants looking for affordable apartments in Canada.
Calgary currently has the lowest average asking rents among the three cities discussed, making it worth considering for newcomers who want to manage their monthly housing expenses. Toronto offers a larger and diverse employment market but generally requires a higher housing budget. Ottawa provides a middle-ground option for immigrants interested in government, technology, healthcare, and professional employment.
Before choosing an apartment, compare rental prices, neighbourhoods, transportation, utilities, and lease conditions. Prepare your identification, employment documents, proof of savings, and references before applying.
Most importantly, do not pay for an apartment you have not properly verified. A careful rental search can help you avoid unnecessary expenses and make your transition to life in Canada easier.