In July 2025, the Canadian government is offering extra help to people who are struggling to pay their rent. If you are a low- or middle-income renter, you might get a $600 one-time payment through the Canada Housing Benefit (CHB). This new support is meant to ease the pressure from high housing costs in cities like Toronto, Vancouver, and Montreal. Let’s look at who can get this money, how to apply, and why it matters.
What is the Canada Housing Benefit (CHB)?
The Canada Housing Benefit is a government program that helps renters who pay a big part of their income on rent. It is run by the federal government along with provinces and territories. If you qualify, you can get money to help with your rent directly into your bank account.
What’s New in July 2025 – The $600 Top-Up
In July 2025, the government is giving a one-time top-up of $600 to renters who already qualify for CHB. This extra money is to help with rising rent prices across the country. Many renters are finding it hard to keep up with their monthly bills, and this payment is meant to give them fast relief.
- Amount: $600 (one-time)
- Start Date: July 15, 2025
- Who Runs It: Canada Revenue Agency (CRA)
Who Can Get the $600 CHB Top-Up?
To get the top-up in July 2025, you must meet these conditions:
- Age: You must be at least 15 years old on July 1, 2025.
- Residency: You must live in Canada and be a tax resident.
- Filed Taxes: You must have filed your 2024 income tax return.
- Income Level: Your total household income must be below a certain limit. This limit depends on where you live and how many people are in your family.
- Rent Amount: You must spend at least 30% of your adjusted family net income on rent.
Note: This benefit does not replace any provincial housing programs. It just adds extra support.
How to Apply for the $600 CHB Top-Up
You must apply for this benefit. It is not automatic. Here’s how:
Option 1: Online via CRA My Account
- Log in to CRA My Account starting July 5, 2025
- Submit the required documents
- This is the fastest way to apply
Option 2: Paper Application
- You can request a paper form
- Fill it out and mail it
- But this may take longer to process
What You Need to Apply
Before you apply, collect the following:
- Proof of Rent Paid in 2024 – Rent receipts or lease agreement
- Your 2024 Tax Return – Must already be filed
- Government ID – Passport, driver’s license, etc.
Apply as early as possible. This $600 payment is only available for a short time, and it may not come back again.
Why Is This Top-Up Important?
Rent is going up in many cities across Canada. Big cities like Toronto and Vancouver are especially expensive. Many families are spending more than 30% of their income just on rent. This new $600 top-up gives quick support to those who need it most.
The government hopes this payment will:
- Reduce financial stress
- Prevent evictions
- Improve housing stability
- Help while long-term housing plans are being made
When Will You Get the Payment?
The CRA will start sending payments on July 15, 2025. If you apply early through your CRA account and all your documents are correct, you may get the money in your bank account within a few days.
But if there are any mistakes or delays in your application, it could take longer.
Will This $600 Affect Other Benefits?
No. This payment is not taxable. You do not have to report it as income on your tax return.
Also, it will not affect your:
- GST/HST Credit
- Canada Child Benefit (CCB)
- Other income-tested federal programs
So, you can still receive your regular benefits while getting the CHB top-up.
Special Note About Shared Accommodation
If you live with your landlord and share a bathroom or kitchen, you might not qualify for this benefit. Always check with the CRA or read the guidelines before applying.
FAQs
1. Is the $600 CHB top-up permanent?
No, it is a one-time payment for July 2025 only.
2. Can I apply after July?
You may still apply in August, but it is best to apply early. There is no guarantee the program will be available later.
3. What if I already get help from my province?
That’s okay! You can still get this $600 top-up along with your provincial housing aid.
4. Can newcomers to Canada apply?
Yes, if they meet all other eligibility rules and are tax residents.
Conclusion
The $600 Canada Housing Benefit top-up in July 2025 is a big help for people struggling to pay rent. With housing costs rising and inflation affecting daily life, this one-time payment brings real relief. If you meet the age, income, and rent requirements—and have filed your 2024 taxes—you should apply through the CRA right away. This is your chance to get extra help when you need it the most. Don’t miss out on this limited-time benefit!
