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      <marc:subfield code="a">NH18-33/85-2024E-PDF</marc:subfield>
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      <marc:subfield code="a">New insights on affordability : </marc:subfield>
      <marc:subfield code="b">update on housing hardship from the 2021 Census.</marc:subfield>
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      <marc:subfield code="a">Ottawa, ON : </marc:subfield>
      <marc:subfield code="b">CMHC = SCHL, </marc:subfield>
      <marc:subfield code="c">[2024].</marc:subfield>
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      <marc:subfield code="c">©2023</marc:subfield>
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      <marc:subfield code="a">1 online resource (6, A1 pages) : </marc:subfield>
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      <marc:subfield code="a">"Housing research."</marc:subfield>
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      <marc:subfield code="a">"70484 20240527-002A."</marc:subfield>
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      <marc:subfield code="a">Issued also in French under title: Nouveau regard sur l’abordabilité : mise à jour sur les difficultés de logement selon les données du Recensement de 2021.</marc:subfield>
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      <marc:subfield code="a">The publication in PDF format was removed on 25 November 2025 at the request of Canada Mortgage and Housing Corporation.</marc:subfield>
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      <marc:subfield code="a">Includes bibliographical references.</marc:subfield>
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      <marc:subfield code="a">"Housing affordability is a complex issue that can be viewed from many different angles. The shelter-cost-to-income ratio (STIR) is a metric often used to assess housing affordability. When this ratio exceeds 30%, it suggests that households may struggle to afford other necessities like food, clothing, and transportation. However, it doesn’t directly address whether housing expenses leave a household with enough income for those necessities"--Page [1].</marc:subfield>
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      <marc:subfield code="a">Housing</marc:subfield>
      <marc:subfield code="x">Economic aspects</marc:subfield>
      <marc:subfield code="z">Canada.</marc:subfield>
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      <marc:subfield code="a">Canada</marc:subfield>
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      <marc:subfield code="a">Canada Mortgage and Housing Corporation, </marc:subfield>
      <marc:subfield code="e">issuing body.</marc:subfield>
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      <marc:subfield code="t">Nouveau regard sur l’abordabilité : </marc:subfield>
      <marc:subfield code="w">(CaOODSP)9.949945</marc:subfield>
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      <marc:subfield code="a">Research insight (Canada Mortgage and Housing Corporation)</marc:subfield>
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      <marc:subfield code="q">PDF</marc:subfield>
      <marc:subfield code="s">1.80 MB</marc:subfield>
      <marc:subfield code="u">https://publications.gc.ca/collections/collection_2025/schl-cmhc/NH18-33-85-2024-eng.pdf</marc:subfield>
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