Moving to Canada as a new immigrant can be exciting, but finding an affordable apartment is one of the biggest financial challenges you may face. Rent prices vary significantly between cities, neighbourhoods and property types. Toronto is generally the most expensive of the three cities, while Calgary and Ottawa may offer more manageable options depending on your income, workplace and preferred location.
You do not need to rent a luxury apartment when you first arrive. A basement suite, studio, shared apartment or modest one-bedroom unit can provide a practical starting point while you settle into your new life.
This guide explains what newcomers should expect when renting in Calgary, Toronto and Ottawa, where to look for affordable apartments, what documents landlords may request, and how to avoid rental scams.
Average Apartment Rent in Calgary, Toronto and Ottawa
Before choosing a city, it helps to understand how much rent you may need to pay each month. The figures below are approximate asking-rent benchmarks for 2026, not guaranteed prices for individual apartments. Actual costs depend on location, building age, apartment size and included utilities.
| City | 1-bedroom apartment | 2-bedroom apartment |
|---|---|---|
| Calgary, Alberta | CAD $1,500–$1,700 | CAD $1,800–$2,000 |
| Toronto, Ontario | CAD $2,000–$2,200 | CAD $2,600–$2,900 |
| Ottawa, Ontario | CAD $1,800–$2,000 | CAD $2,300–$2,500 |
These are useful planning ranges based on recent asking-rent statistics and market reports. For example, 2026 data put average two-bedroom asking rent at approximately $1,842 in Calgary, $2,863 in Toronto and $2,472 in Ottawa in April. Other datasets use different observation periods and apartment categories, so advertised prices will not always match these averages.
The rental market has also been changing. Increased rental supply and slower demand have eased asking rents in several major Canadian cities, including Calgary, Toronto and Ottawa. This may give renters more options than during periods of intense competition, although affordable apartments in popular neighbourhoods can still attract several applicants.
Affordable Apartments in Calgary for New Immigrants
Calgary is worth considering if you want access to employment opportunities, public transportation and a relatively lower rental budget than Toronto. It is also a growing city with employment opportunities in sectors such as energy, construction, technology, logistics, healthcare and professional services.
A newcomer who does not need to live in the city centre may find more affordable apartments in suburban communities.
Affordable areas to consider in Calgary
Northeast Calgary
Communities such as Falconridge, Martindale, Taradale and Saddleridge may offer more budget-conscious rental options than some central neighbourhoods. You can find apartments, basement suites and shared accommodation.
The northeast is particularly worth exploring if you want access to shopping centres, schools and public transportation. However, check the distance between a property and your workplace before signing a lease.
Southeast Calgary
Consider areas such as Dover, Forest Lawn, Erin Woods and parts of the communities around 130 Avenue SE. These locations may have more modest rental options, including older apartments and basement suites.
Northwest Calgary
Beddington Heights, Huntington Hills and parts of Thorncliffe may be worth checking if you prefer established residential neighbourhoods. Compare the rent with transportation costs, especially if your job is outside the northwest.
Downtown and surrounding communities
Downtown Calgary, Beltline and nearby areas offer convenient access to offices, restaurants, entertainment and public transport. However, central apartments can cost more. You may find better value by considering older buildings or smaller studio units rather than newly constructed luxury apartments.
What type of apartment can you rent in Calgary?
Studio apartment: A compact option for a single newcomer who wants private accommodation.
One-bedroom apartment: Suitable for one person or a couple who need a separate bedroom.
Basement suite: Often a more affordable alternative, but confirm that it is legally permitted and has suitable heating, ventilation and emergency exits.
Shared apartment: Renting a room in an apartment or house can reduce monthly expenses.
Two-bedroom apartment: A possible option for couples, families or newcomers sharing rent with a trusted roommate.
For a newcomer arriving without a Canadian credit history, a room or basement suite may be easier to secure initially than a full apartment in a managed building.
Affordable Apartments in Toronto for New Immigrants
Toronto is one of Canada's largest employment, business and education centres. It attracts international students, skilled workers, permanent residents and families from different parts of the world.
The city offers opportunities in finance, technology, healthcare, education, hospitality, retail and other industries. However, housing costs are generally higher than in Calgary and Ottawa.
If you plan to settle in Toronto, consider living outside the most expensive central neighbourhoods. You may find more affordable apartments by looking at older rental buildings, basement units and neighbourhoods close to subway or bus routes.
Affordable areas to consider in Toronto
Scarborough
Scarborough is a popular option for newcomers because it offers a range of apartment buildings, basement suites and shared housing. Consider areas such as Malvern, Agincourt, Woburn and parts of Dorset Park.
Some neighbourhoods offer access to shopping, schools, healthcare facilities and public transportation. Compare the total commute time to your workplace before choosing a property.
North York
North York has a mixture of high-rise apartments, older rental buildings and basement accommodation. Areas such as Jane and Finch, Downsview and parts of Don Mills may be worth researching.
Some parts of North York are expensive, particularly around major transit hubs and newer developments. Do not assume every apartment in the area will be affordable.
Etobicoke
Etobicoke offers a variety of rental options, including apartments in older buildings and shared houses. Consider areas such as Rexdale and parts of Islington-City Centre West.
It can be a practical choice if your workplace is in western Toronto or nearby employment areas.
East York
East York has residential neighbourhoods with apartment buildings and basement suites. It can be convenient for people working in central or eastern Toronto, although prices vary considerably by location.
Downtown Toronto
Downtown offers convenient access to employment, universities, public transportation and entertainment. However, rent is usually higher, and smaller apartments may be expensive relative to their size.
If your income is limited when you first arrive, consider living outside downtown and commuting to work.
What type of apartment should you consider in Toronto?
Basement apartments: Can provide private accommodation at a lower cost than some conventional apartments.
Studio apartments: Useful for single professionals and students who want their own space.
Shared apartments: A practical way to reduce rent and utility expenses.
Older apartment buildings: May offer lower rents than newly built condominium developments.
One-bedroom apartments: Suitable for newcomers with stable employment or sufficient savings.
Toronto can be expensive for someone arriving without a job. Before renting, calculate your monthly rent, transportation, food, phone, utilities and other essential expenses.
Affordable Apartments in Ottawa for New Immigrants
Ottawa, Canada's capital, is another city worth considering. It has employment opportunities in government, healthcare, education, technology, research, construction and professional services.
Compared with Toronto, Ottawa may offer a more manageable housing budget, although prices vary between neighbourhoods and property types.
Ottawa is also a good option for newcomers who prefer a quieter environment while remaining in a major Canadian city.
Affordable areas to consider in Ottawa
Vanier
Vanier is close to downtown Ottawa and has a mix of apartment buildings, rental homes and older residential properties. It may be worth considering if you want to stay relatively close to central employment areas.
Overbrook
Overbrook offers access to central Ottawa and nearby amenities. Look for older apartment buildings and compare their rents with properties in surrounding communities.
South Keys and Hunt Club
These areas have residential apartments, shopping facilities and public transportation connections. They may be suitable for newcomers who want access to services without living directly downtown.
Bells Corners
Bells Corners is worth exploring if you are looking for apartments in the western part of Ottawa. Check transportation options carefully, particularly if your workplace is in another part of the city.
Nepean
Nepean includes several residential communities with apartments, townhouses and basement suites. It may suit newcomers who want a suburban setting, although rental prices differ between neighbourhoods.
Orléans
Orléans is located in eastern Ottawa and has a range of residential housing options. It may be suitable for families and workers whose jobs are in the east or central parts of the city.
What type of apartment can you find in Ottawa?
Studio apartments: Suitable for individuals who want private accommodation.
One-bedroom apartments: A practical choice for singles and couples.
Basement suites: May provide a more affordable alternative to conventional apartments.
Shared accommodation: Useful for newcomers who need to reduce their initial housing costs.
Two-bedroom apartments: Worth considering for families or people sharing expenses.
One important consideration is transportation. Ottawa has public transit, but some suburban communities may require longer journeys or additional connections. Check your route before choosing a cheaper apartment far from your workplace.
Which City Is Best for New Immigrants?
The best city depends on your employment opportunities, budget, family needs and preferred lifestyle.
| Factor | Calgary | Toronto | Ottawa |
|---|---|---|---|
| General rental affordability | More affordable | Most expensive | Between Calgary and Toronto |
| Employment sectors | Energy, construction, technology, logistics | Finance, technology, healthcare, retail | Government, healthcare, technology, education |
| Public transportation | Available, but coverage varies | Extensive transit network | Public transit with suburban coverage differences |
| Family accommodation | Suburban options | More expensive overall | Suburban family options |
| Budget-conscious newcomers | Worth considering | Requires careful budgeting | Worth considering |
Choose Calgary if: You want to explore a major Canadian city where apartment rents may be lower than Toronto and you are interested in its employment sectors.
Choose Toronto if: Your career opportunities, family connections or education plans are concentrated in the Greater Toronto Area and you can manage the higher housing costs.
Choose Ottawa if: You want access to government, healthcare, technology or education employment and prefer a city with a different pace from Toronto.
Do not select a city based only on rent. A cheaper apartment may not be a good financial decision if you spend significantly more on transportation or cannot find suitable work nearby.
Where to Find Affordable Apartments in Calgary, Toronto and Ottawa
New immigrants can use online rental platforms to compare prices, view property photographs, contact landlords and arrange apartment inspections.
Here are some places to start your search:
Rentals.ca: Search apartments and rental homes in Calgary, Toronto and Ottawa. You can compare advertised rents, neighbourhoods and property features.
REALTOR.ca: Check rental listings from real estate professionals. It can help you explore available properties and compare locations.
Zumper: Browse apartments, houses and rooms for rent. Use filters to narrow your search by city, price and bedroom count.
Facebook Marketplace and local rental groups: These can provide access to private landlords, basement apartments and shared accommodation. However, verify the property and landlord carefully before paying anything.
Property management companies: Search for established apartment management companies operating in your preferred neighbourhood. Some manage several buildings and may have vacancies that are not widely advertised elsewhere.
When searching, use specific terms such as "one-bedroom apartment in Calgary under $1,700" or "basement apartment in Scarborough under $1,500." These searches can help you narrow down the available options.
Remember that advertised prices can change. Contact the landlord or property manager to confirm availability, rent, utilities, parking and move-in costs.
How New Immigrants Can Rent an Apartment Without Canadian Credit History
One challenge newcomers face is that they may not have a Canadian credit score, local employment history or previous landlord references.
This does not automatically mean you cannot rent an apartment. You can prepare alternative documents to demonstrate that you are financially capable of paying rent.
Documents landlords may request
Depending on the property and landlord, you may be asked to provide:
Passport or other accepted identification.
Permanent resident card or confirmation of permanent residence, where applicable.
Work permit or study permit, where applicable.
Employment letter or job offer.
Recent payslips, if you are already employed.
Bank statements or proof of savings.
Previous landlord references.
Personal or professional references.
Completed rental application.
Not every landlord will request all these documents. Requirements vary between properties.
What if you do not have a Canadian credit score?
Explain that you are a new immigrant and have not yet established Canadian credit history. You can offer alternative evidence, such as:
Bank statements showing sufficient savings.
A Canadian employment contract or job offer.
References from previous landlords in your home country.
A letter from an employer or recognised settlement organisation.
A guarantor or co-signer, if available and accepted by the landlord.
Avoid providing unnecessary personal information. In particular, do not casually share your Social Insurance Number (SIN) with a landlord. Ask why any sensitive information is needed and verify the legitimacy of the request.
Rental Deposits and Tenant Rights in Alberta and Ontario
Before paying for an apartment, understand the rental rules in the province where you intend to live. Calgary is in Alberta, while Toronto and Ottawa are in Ontario.
Renting in Calgary, Alberta
Alberta landlords can generally request a security deposit of no more than one month's rent at the beginning of a tenancy.
For example, if your monthly rent is CAD $1,600, the security deposit should not exceed CAD $1,600.
Landlords must follow Alberta's residential tenancy rules concerning security deposits, property conditions, repairs and the return of deposits.
You should also ask whether utilities, parking, laundry and other services are included in the rent.
Renting in Toronto and Ottawa, Ontario
Ontario has different deposit rules. A landlord can generally request a rent deposit of up to one rental period, usually one month's rent, to be applied to the final rental period.
A landlord cannot charge a separate damage deposit. A refundable key deposit may be permitted, provided it does not exceed the expected replacement cost of the key.
Ontario landlords must follow the province's residential tenancy laws, including rules on rent increases, maintenance and lawful entry.
Always read the lease before paying
Your rental agreement should clearly explain:
Monthly rent and payment date.
Lease duration.
Deposit amount and purpose.
Utilities included or excluded.
Parking arrangements.
Maintenance responsibilities.
Rules for ending the tenancy.
Any additional agreed services or charges.
Ask for a copy of the signed agreement and receipts for payments.
For official guidance, read the Government of Canada's guide to renting a home as a newcomer.
How Much Money Should You Prepare Before Renting?
Your initial housing budget should include more than the monthly rent. You may need money for the deposit, moving expenses, basic household items, utilities and transportation.
The following is an illustrative budget for someone renting a one-bedroom apartment. It is not a quote or a fixed requirement.
| Expense | Calgary | Toronto | Ottawa |
|---|---|---|---|
| Monthly rent estimate | $1,600 | $2,100 | $1,900 |
| Possible rent deposit | Up to $1,600 | Up to $2,100 | Up to $1,900 |
| Basic household setup | $300–$700 | $300–$700 | $300–$700 |
| Initial transportation and essentials | $150–$300 | $150–$300 | $150–$300 |
Amounts are in Canadian dollars. The deposit examples assume the maximum permitted amount for the relevant province and a one-month rental period. Actual move-in expenses will depend on the agreement and the condition of the apartment.
If you are arriving with limited savings, consider renting a room for the first few months. This can give you time to find employment, understand the city and save towards your own apartment.
Also remember that some rentals include heating, water or electricity, while others require tenants to pay these separately. Ask for a realistic estimate of utility costs before signing.
How to Avoid Apartment Rental Scams in Canada
New immigrants can be vulnerable to rental scams, especially when trying to secure accommodation before travelling to Canada.
Scammers may advertise attractive apartments at unusually low prices and claim that they are unavailable for physical inspection because the landlord is abroad.
Protect yourself by following these precautions:
Do not send money before verifying the property. Whenever possible, inspect the apartment in person. If you are overseas, request a live video tour and independently verify the landlord or property manager.
Be careful with unusually cheap listings. Compare the advertised rent with similar apartments in the same neighbourhood. A price that is far below the market may be a warning sign.
Avoid pressure tactics. Be cautious if someone insists that you must pay immediately to secure an apartment without giving you time to review the lease.
Never pay through suspicious methods. Avoid requests for gift cards, cryptocurrency or untraceable transfers.
Request a written rental agreement. Do not rely solely on social media messages or verbal promises.
Confirm who owns or manages the property. Where possible, check the property management company's official website and contact details independently.
Canada's Financial Consumer Agency also provides guidance on rental agreements, deposits and rental fraud. Read its guide to renting your first apartment.
Helpful Housing Support for New Immigrants
If you are a new permanent resident, refugee, international student or temporary worker, you may be able to access settlement services that help you understand the Canadian housing market.
Settlement organisations can provide information about rental applications, tenant rights, local housing options and community resources. Some may also help newcomers understand what to do if they have no Canadian credit history.
However, not every newcomer qualifies for government-funded housing or rental assistance. Eligibility depends on the programme, immigration status, income and other conditions.
You can begin by exploring the Government of Canada's Newcomer Housing Guide.
If you need help, contact a settlement service provider in the city where you plan to live before paying for accommodation.
Related Article: Top Budget-Friendly Temporary Housing Options for Immigrants in the USA
Conclusion
Finding an affordable apartment in Calgary, Toronto or Ottawa is possible, but new immigrants should approach the process with a realistic budget and a clear understanding of local rental rules.
Calgary may be a good starting point for newcomers looking for comparatively lower rents. Toronto offers a large employment and business market, but housing can take a substantial part of your income. Ottawa provides another option, particularly for people interested in government, healthcare, education and technology-related employment.
Start by comparing apartments in different neighbourhoods, checking transportation access and preparing your rental documents. If you do not have enough money or Canadian credit history for a private apartment, consider shared accommodation or a basement suite while you establish yourself.
The most important thing is to verify every property, understand the lease and avoid paying money to anyone you have not properly checked.
Frequently Asked Questions (FAQs)
Which Canadian city is cheapest for new immigrants: Calgary, Toronto or Ottawa?
Calgary is generally the most affordable of these three cities for apartment renters. Ottawa is often in the middle, while Toronto typically has the highest rents. However, prices vary by neighbourhood, apartment size and building type.
Can a new immigrant rent an apartment in Canada without a credit history?
Yes. A Canadian credit history is not an absolute requirement for every rental. You can strengthen your application with proof of savings, an employment letter, a job offer, previous landlord references or a guarantor if the landlord accepts one.
How much does a one-bedroom apartment cost in Calgary, Toronto and Ottawa?
For 2026 budgeting, you can use approximate monthly asking-rent ranges of CAD $1,500–$1,700 in Calgary, $2,000–$2,200 in Toronto and $1,800–$2,000 in Ottawa. Actual advertised prices may be higher or lower depending on the location and apartment condition.
Can I secure an apartment in Canada before arriving as a new immigrant?
Yes, it is possible to arrange accommodation before arrival. However, be careful when paying deposits remotely. Verify the landlord, request a live property tour, review the rental agreement and use traceable payment methods. Temporary accommodation may be safer until you can inspect apartments in person.
Can new immigrants receive government assistance with rent in Canada?
Some newcomers may qualify for housing assistance, subsidised housing or other support, depending on their immigration status, income, household circumstances and programme eligibility. Assistance is not automatically available to every immigrant. Contact a settlement service provider or local housing authority to understand the options in your city.