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Hunger Report 2017: The Rising Cost of Housing and its Impact on Hunger in Ontario

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<str<strong>on</strong>g>Hunger</str<strong>on</strong>g> <str<strong>on</strong>g>Report</str<strong>on</strong>g><br />

<str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

THE RISING COST OF HOUSING<br />

AND ITS IMPACT ON HUNGER<br />

IN ONTARIO


In This <str<strong>on</strong>g>Report</str<strong>on</strong>g><br />

Who We Are 03<br />

Who Uses Food Banks? 04<br />

Highlight: Children 06<br />

Highlight: S<strong>in</strong>gle-Pers<strong>on</strong> Households 08<br />

<str<strong>on</strong>g>Hunger</str<strong>on</strong>g> & <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> 10<br />

I. <strong>Ontario</strong>’s Rental Market 11<br />

II. History <str<strong>on</strong>g>of</str<strong>on</strong>g> Rent<strong>in</strong>g 13<br />

III. True <str<strong>on</strong>g>Cost</str<strong>on</strong>g> <str<strong>on</strong>g>of</str<strong>on</strong>g> <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> 15<br />

IV. Current State <str<strong>on</strong>g>of</str<strong>on</strong>g> Government Support 18<br />

V. Why Affordable <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Matters 20<br />

Bey<strong>on</strong>d the Table 22<br />

Client Stories 24<br />

Build<strong>in</strong>g ON 29


Who We Are<br />

he <strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food Banks is the<br />

prov<strong>in</strong>ce’s lead<strong>in</strong>g provider <str<strong>on</strong>g>of</str<strong>on</strong>g> emergency food<br />

support to fr<strong>on</strong>tl<strong>in</strong>e hunger-relief agencies <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

the leader <strong>in</strong> prov<strong>in</strong>ce-wide hunger research.<br />

Our missi<strong>on</strong> is to strengthen communities by Tprovid<strong>in</strong>g food banks with food, resources, <str<strong>on</strong>g>and</str<strong>on</strong>g> soluti<strong>on</strong>s<br />

that address both short <str<strong>on</strong>g>and</str<strong>on</strong>g> l<strong>on</strong>g-term food <strong>in</strong>security.<br />

This year, the <strong>Ontario</strong> food bank<br />

network provided food <str<strong>on</strong>g>and</str<strong>on</strong>g> support<br />

to more than 499,000 adults, seniors<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> children fac<strong>in</strong>g hunger. Through<br />

128 direct member food banks <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

1,100 hunger-relief agencies, <strong>in</strong>clusive<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> breakfast clubs, school meal<br />

programs, community food centres,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> emergency shelters, the OAFB<br />

distributed the equivalent <str<strong>on</strong>g>of</str<strong>on</strong>g> over five<br />

milli<strong>on</strong> meals to families <strong>in</strong> need.<br />

In a prov<strong>in</strong>ce like <strong>Ontario</strong>, it can be<br />

hard to imag<strong>in</strong>e that there are almost<br />

half a milli<strong>on</strong> adults <str<strong>on</strong>g>and</str<strong>on</strong>g> children liv<strong>in</strong>g<br />

with hunger. However, as the <strong>Ontario</strong><br />

Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food Banks marks <str<strong>on</strong>g>its</str<strong>on</strong>g><br />

25th anniversary, we know that this is<br />

a stark reality for far too many people,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> that many <str<strong>on</strong>g>of</str<strong>on</strong>g> the circumstances<br />

that push families <strong>in</strong>to poverty are not<br />

improv<strong>in</strong>g.<br />

programs <str<strong>on</strong>g>and</str<strong>on</strong>g> support services, these<br />

efforts cannot replace an adequate<br />

social safety net that addresses poverty<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> ensures that no <strong>on</strong>e goes hungry.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> <str<strong>on</strong>g>2017</str<strong>on</strong>g> <str<strong>on</strong>g>Hunger</str<strong>on</strong>g> <str<strong>on</strong>g>Report</str<strong>on</strong>g> details the<br />

data gathered through the <strong>Ontario</strong> food<br />

bank network’s client <strong>in</strong>take system,<br />

L<strong>in</strong>k2Feed, between April 1st, 2016<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> March 31st, <str<strong>on</strong>g>2017</str<strong>on</strong>g>. This report also<br />

<strong>in</strong>cludes a special feature <strong>on</strong> affordable<br />

hous<strong>in</strong>g <str<strong>on</strong>g>and</str<strong>on</strong>g> the impact that this<br />

grow<strong>in</strong>g issue is hav<strong>in</strong>g <strong>on</strong> low-<strong>in</strong>come<br />

<strong>in</strong>dividuals <strong>in</strong> <strong>Ontario</strong>.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> <strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food<br />

Banks would like to thank the countless<br />

staff <str<strong>on</strong>g>and</str<strong>on</strong>g> volunteers <str<strong>on</strong>g>of</str<strong>on</strong>g> <str<strong>on</strong>g>its</str<strong>on</strong>g> member<br />

agencies for all <str<strong>on</strong>g>of</str<strong>on</strong>g> their hard work <strong>in</strong><br />

survey<strong>in</strong>g those they serve, <str<strong>on</strong>g>and</str<strong>on</strong>g> for their<br />

tireless efforts <strong>in</strong> address<strong>in</strong>g hunger<br />

across the prov<strong>in</strong>ce every day.<br />

While food banks work hard to ensure<br />

that Ontarians <strong>in</strong> need have access<br />

to fresh, healthy food <str<strong>on</strong>g>and</str<strong>on</strong>g> a variety <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

3


Who Uses<br />

Banks?<br />

Food<br />

NUMBER OF UNIQUE INDIVIDUALS VISITING<br />

ONTARIO’S FOOD BANKS, 2016-<str<strong>on</strong>g>2017</str<strong>on</strong>g>:<br />

499,415<br />

THAT’S BIGGER THAN<br />

THE POPULATION<br />

OF LONDON AND<br />

MIDDLESEX COUNTY:<br />

455,526<br />

NUMBER OF VISITS TO ONTARIO’S FOOD BANKS 2016-<str<strong>on</strong>g>2017</str<strong>on</strong>g>:<br />

2,861,872<br />

THAT WOULD FILL<br />

THE ROGERS CENTER<br />

MORE THAN<br />

56 times<br />

33%<br />

OF FOOD BANK CLIENTS WERE CHILDREN


here are a number <str<strong>on</strong>g>of</str<strong>on</strong>g> misc<strong>on</strong>cepti<strong>on</strong>s related<br />

to who it is that vis<str<strong>on</strong>g>its</str<strong>on</strong>g> food banks, how <str<strong>on</strong>g>of</str<strong>on</strong>g>ten<br />

they access these services, <str<strong>on</strong>g>and</str<strong>on</strong>g> what brought<br />

them there <strong>in</strong>itially. However, the reality is that<br />

these <strong>in</strong>dividuals are hardwork<strong>in</strong>g families, Tadults liv<strong>in</strong>g with a disability, children, <str<strong>on</strong>g>and</str<strong>on</strong>g> senior citizens<br />

– people who simply do not have the means to afford their<br />

most basic necessities.<br />

More <str<strong>on</strong>g>of</str<strong>on</strong>g>ten than not, food banks<br />

are visited <strong>on</strong> a temporary basis by<br />

<strong>in</strong>dividuals requir<strong>in</strong>g emergency food<br />

support. Over the last year, 29 per cent<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> all food bank clients accessed food<br />

bank services <strong>on</strong>ly <strong>on</strong>ce, <str<strong>on</strong>g>and</str<strong>on</strong>g> over 50<br />

per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> clients visited three times or<br />

less. <str<strong>on</strong>g>The</str<strong>on</strong>g> total number <str<strong>on</strong>g>of</str<strong>on</strong>g> vis<str<strong>on</strong>g>its</str<strong>on</strong>g> to food<br />

banks each m<strong>on</strong>th, however, rema<strong>in</strong>ed<br />

relatively c<strong>on</strong>sistent with an average <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

238,497 vis<str<strong>on</strong>g>its</str<strong>on</strong>g> per m<strong>on</strong>th, network-wide.<br />

What this means is that, every m<strong>on</strong>th,<br />

there are hundreds <str<strong>on</strong>g>of</str<strong>on</strong>g> thous<str<strong>on</strong>g>and</str<strong>on</strong>g>s <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

adults, seniors <str<strong>on</strong>g>and</str<strong>on</strong>g> families that are<br />

walk<strong>in</strong>g a very f<strong>in</strong>e l<strong>in</strong>e between just<br />

barely surviv<strong>in</strong>g <str<strong>on</strong>g>and</str<strong>on</strong>g> fall<strong>in</strong>g <strong>in</strong>to the<br />

deepest levels <str<strong>on</strong>g>of</str<strong>on</strong>g> poverty.<br />

FIGURE 1.1: NUMBER OF TIMES FOOD<br />

BANK CLIENTS VISIT PER YEAR<br />

35%<br />

30%<br />

25%<br />

20%<br />

15%<br />

10%<br />

5%<br />

0%<br />

FIGURE 1.2: VISITS TO FOOD BANKS, PER MONTH<br />

300,000<br />

250,000<br />

200,000<br />

150,000<br />

100,000<br />

50,000<br />

0<br />

April May June July August Sept Oct Nov Dec Jan Feb Mar<br />

5


Children<br />

In terms <str<strong>on</strong>g>of</str<strong>on</strong>g> client demographics,<br />

<strong>on</strong>e <str<strong>on</strong>g>of</str<strong>on</strong>g> the most troubl<strong>in</strong>g is the<br />

high number <str<strong>on</strong>g>of</str<strong>on</strong>g> children access<strong>in</strong>g<br />

these services. In <strong>Ontario</strong>, <strong>on</strong>e<br />

<strong>in</strong> three food bank clients is a<br />

child – a statistic that has rema<strong>in</strong>ed<br />

c<strong>on</strong>sistent for the past ten years. While<br />

demographically, the number <str<strong>on</strong>g>of</str<strong>on</strong>g> adults<br />

access<strong>in</strong>g food banks is comparable<br />

to the general populati<strong>on</strong>, the number<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> children is disproporti<strong>on</strong>ally high,<br />

particularly for children under 10 years<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> age. This is <strong>in</strong>credibly c<strong>on</strong>cern<strong>in</strong>g<br />

given that proper nutriti<strong>on</strong> is vital to a<br />

child’s cognitive development, physical<br />

health, <str<strong>on</strong>g>and</str<strong>on</strong>g> ability to learn. It has been<br />

dem<strong>on</strong>strated that children who suffer<br />

from hunger are at a greater risk <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

develop<strong>in</strong>g behavioural problems,<br />

have difficulty c<strong>on</strong>centrat<strong>in</strong>g <strong>in</strong> school,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> are more likely to develop chr<strong>on</strong>ic<br />

health c<strong>on</strong>diti<strong>on</strong>s, depressi<strong>on</strong>, <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

mood disorders 1 .<br />

ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

166,703<br />

CHILDREN VISITED A FOOD BANK IN<br />

ONTARIO IN 2016-<str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

FIGURE 1.3: AGE DISTRIBUTION, FOOD BANKS VS GENERAL POPULATION<br />

20%<br />

15%<br />

10%<br />

5%<br />

0%<br />

0-5 Years 6-9 Years 10-13<br />

Years<br />

14-17<br />

Years<br />

18-24<br />

Years<br />

Food Banks, OAFB Network<br />

In the last year al<strong>on</strong>e, <strong>Ontario</strong>’s food<br />

banks provided nutriti<strong>on</strong>al support to<br />

over 166,000 children who might not<br />

have otherwise had access to sufficient<br />

or healthy food to eat. Ensur<strong>in</strong>g that<br />

children have access to nutritious food<br />

<strong>on</strong> a c<strong>on</strong>t<strong>in</strong>uous basis is essential to<br />

their fundamental development <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

ability to grow <strong>in</strong>to healthy adults.<br />

25-34<br />

Years<br />

35-44<br />

Years<br />

45-54<br />

Years<br />

<strong>Ontario</strong>, General Populati<strong>on</strong><br />

55-64<br />

Years<br />

65+ Years<br />

6


FIGURE 1.4: HIGHEST LEVEL OF<br />

EDUCATION COMPLETED<br />

Some Elementary or High School 33.7%<br />

High School 33.0%<br />

Some Post Sec<strong>on</strong>dary 8.9%<br />

Post-Sec<strong>on</strong>dary Degree/Diploma<br />

or Trade Certificati<strong>on</strong><br />

Prov<strong>in</strong>cial or Private Disability<br />

Support<br />

24.4%<br />

FIGURE 1.5: PRIMARY INCOME SOURCE<br />

30.1%<br />

Social Assistance 29.7%<br />

No Income 13.1%<br />

Other 10.2%<br />

Job Income 8.1%<br />

Old-Age Pensi<strong>on</strong> 6.2%<br />

Employment Insurance 1.8%<br />

Student Loans or Scholarships 0.7%<br />

Prov<strong>in</strong>cial Disability 0.9%<br />

Student Loan 0.6%<br />

FIGURE 1.6: HOUSING TYPE<br />

Private Rental 73.1%<br />

Social <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> 16.6%<br />

Own Home 4.7%<br />

With Family / Friends 3.4%<br />

Emergency Shelter 1.2%<br />

B<str<strong>on</strong>g>and</str<strong>on</strong>g> Owned 0.4%<br />

On <str<strong>on</strong>g>The</str<strong>on</strong>g> Street 0.4%<br />

Youth Home 0.2%<br />

FIGURE 1.7: AGE DISTRIBUTION<br />

0-5 Years 11.6%<br />

5-9 Years 8.3%<br />

10-13 Years 7.1%<br />

14-17 Years 6.4%<br />

18-24 Years 11.1%<br />

25-34 Years 14.8%<br />

35-44 Years 13.6%<br />

45-54 Years 12.9%<br />

55-64 Years 9.5%<br />

65+ Years 4.6%<br />

FIGURE 1.8: REASON FOR VISITING<br />

Benefit / Social Assistance<br />

Changes<br />

29.7%<br />

Low Wages/Not Enough Hours 15.9%<br />

Relocati<strong>on</strong> (Immigrati<strong>on</strong>/Mov<strong>in</strong>g) 9.8%<br />

Unexpected Expense 8.2%<br />

Sickness / Medical Expenses 8.0%<br />

Unexpected <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Expense 7.1%<br />

Unemployed / Recently Lost Job 6.6%<br />

Homeless 4.8%<br />

Debt 3.9%<br />

Benef<str<strong>on</strong>g>its</str<strong>on</strong>g> / Social Assistance<br />

Delays<br />

2.9%<br />

Family Breakup 2.3%<br />

Delayed Wages 0.8%<br />

Natural Disaster 0.2%<br />

Figures calculated exclud<strong>in</strong>g clients who <strong>in</strong>dicated “unknown” or “undisclosed” <strong>in</strong> client pr<str<strong>on</strong>g>of</str<strong>on</strong>g>iles<br />

7


ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

S<strong>in</strong>gle-Pers<strong>on</strong><br />

Households<br />

Another<br />

c<strong>on</strong>cern<strong>in</strong>g<br />

demographic is the number<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> ‘unattached adults’<br />

access<strong>in</strong>g food bank<br />

services. This past year,<br />

50 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> households served by<br />

food banks identified as s<strong>in</strong>gle pers<strong>on</strong><br />

households, a trend that mirrors the<br />

chang<strong>in</strong>g demographics <str<strong>on</strong>g>of</str<strong>on</strong>g> Canada’s<br />

populati<strong>on</strong>. Accord<strong>in</strong>g to the 2016<br />

Census, for the first time <strong>on</strong> record,<br />

‘<strong>on</strong>e-pers<strong>on</strong> households’ are the most<br />

comm<strong>on</strong> type <str<strong>on</strong>g>of</str<strong>on</strong>g> household <strong>in</strong> the<br />

country. 2 S<strong>in</strong>gle-pers<strong>on</strong> households<br />

are <str<strong>on</strong>g>of</str<strong>on</strong>g>ten at greater risk <str<strong>on</strong>g>of</str<strong>on</strong>g> f<strong>in</strong>ancial<br />

<strong>in</strong>security, as there is typically <strong>on</strong>ly<br />

<strong>on</strong>e <strong>in</strong>come to support all basic liv<strong>in</strong>g<br />

expenses, such as rent, heat, <str<strong>on</strong>g>and</str<strong>on</strong>g> hydro.<br />

For low-<strong>in</strong>come <strong>in</strong>dividuals, this stress<br />

can be felt even more acutely, as there<br />

are fewer government benef<str<strong>on</strong>g>its</str<strong>on</strong>g> <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

support opportunities available for<br />

s<strong>in</strong>gle people compared to couples or<br />

families.<br />

It is therefore unsurpris<strong>in</strong>g that <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

those that identified as a s<strong>in</strong>gle-pers<strong>on</strong><br />

household, almost 70 per cent <strong>in</strong>dicated<br />

that their primary source <str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>in</strong>come was<br />

social assistance, disability support, or<br />

old age pensi<strong>on</strong>. In <strong>Ontario</strong>, an <strong>in</strong>dividual<br />

<strong>on</strong> <strong>Ontario</strong> Works (OW) receives<br />

$721 per m<strong>on</strong>th, <str<strong>on</strong>g>and</str<strong>on</strong>g> an <strong>in</strong>dividual <strong>on</strong><br />

<strong>Ontario</strong>’s Disability Support Program<br />

(ODSP) receives $1,151 per m<strong>on</strong>th. 3<br />

What does the<br />

s<strong>in</strong>gle-pers<strong>on</strong><br />

household<br />

populati<strong>on</strong> look<br />

like?<br />

OLDER<br />

55%<br />

ARE 45+ YEARS<br />

OLD (COMPARED<br />

TO 27% OF THE<br />

GENERAL FOOD<br />

BANK CLIENT<br />

POPULATION)<br />

MALE<br />

59%<br />

IDENTIFY<br />

AS MALE<br />

(COMPARED<br />

TO 49% OF THE<br />

GENERAL FOOD<br />

BANK CLIENT<br />

POPULATION)<br />

8


FIGURE 1.9: HOUSEHOLD SIZE, FOOD<br />

BANK CLIENTS VS ONTARIO CENSUS<br />

Household Size<br />

Food Bank<br />

Clients<br />

<strong>Ontario</strong> 4<br />

S<strong>in</strong>gle Pers<strong>on</strong> 49% 26%<br />

Two Pers<strong>on</strong> 19% 33%<br />

Three Pers<strong>on</strong> 12% 16%<br />

Four Pers<strong>on</strong> 10% 15%<br />

Five + Pers<strong>on</strong> 10% 10%<br />

In most cities, this is not enough to<br />

afford the average m<strong>on</strong>thly rent, let<br />

al<strong>on</strong>e any additi<strong>on</strong>al expenses. As a<br />

result, s<strong>in</strong>gle-pers<strong>on</strong> households are<br />

turn<strong>in</strong>g to food banks for support more<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g>ten, <str<strong>on</strong>g>and</str<strong>on</strong>g> food banks are see<strong>in</strong>g an<br />

unprecedented rise <strong>in</strong> this demographic.<br />

For most food bank clients, the<br />

greatest barrier to ec<strong>on</strong>omic stability is<br />

access to affordable <str<strong>on</strong>g>and</str<strong>on</strong>g> safe hous<strong>in</strong>g.<br />

As it is a fixed expense, it is not an<br />

opti<strong>on</strong> to pay less <str<strong>on</strong>g>of</str<strong>on</strong>g> your rent when<br />

times are tight, <strong>in</strong> order to afford other<br />

basic needs, like food. Instead, food<br />

bank clients <str<strong>on</strong>g>of</str<strong>on</strong>g>ten report that they will<br />

employ various strategies <strong>in</strong> order to<br />

afford hous<strong>in</strong>g, such as skipp<strong>in</strong>g a meal,<br />

not eat<strong>in</strong>g <strong>in</strong> favour <str<strong>on</strong>g>of</str<strong>on</strong>g> feed<strong>in</strong>g their<br />

children, or simply ‘go<strong>in</strong>g hungry’. 5 In<br />

a prosperous prov<strong>in</strong>ce like <strong>Ontario</strong>, this<br />

should never have to be a choice – <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

yet, it is <strong>on</strong>e that almost half a milli<strong>on</strong><br />

people must make every day.<br />

9


&<br />

<str<strong>on</strong>g>Hunger</str<strong>on</strong>g><br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

BUILDING A<br />

FOUNDATION<br />

FOR A MORE<br />

EQUITABLE<br />

ONTARIO


I. <strong>Ontario</strong>’s<br />

Rental Market<br />

One <str<strong>on</strong>g>of</str<strong>on</strong>g> the primary drivers <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

food bank use is the lack <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

affordable hous<strong>in</strong>g opti<strong>on</strong>s<br />

for low-<strong>in</strong>come Ontarians.<br />

Without access to affordable hous<strong>in</strong>g,<br />

low-<strong>in</strong>come Ontarians <str<strong>on</strong>g>of</str<strong>on</strong>g>ten have no<br />

choice but to allocate the majority <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

their m<strong>on</strong>thly <strong>in</strong>come to their hous<strong>in</strong>g<br />

expense. This leaves very little for<br />

other essentials, like heat <str<strong>on</strong>g>and</str<strong>on</strong>g> hydro,<br />

transportati<strong>on</strong>, medic<strong>in</strong>e, <str<strong>on</strong>g>and</str<strong>on</strong>g> food.<br />

Despite <str<strong>on</strong>g>its</str<strong>on</strong>g> importance, f<strong>in</strong>d<strong>in</strong>g an<br />

affordable place to live has become<br />

<strong>in</strong>creas<strong>in</strong>gly more difficult for Ontarians.<br />

For example, between 2005 <str<strong>on</strong>g>and</str<strong>on</strong>g> 2015,<br />

the average rent <str<strong>on</strong>g>of</str<strong>on</strong>g> a <strong>on</strong>e-bedroom<br />

apartment <strong>in</strong> <strong>Ontario</strong> <strong>in</strong>creased 24 per<br />

cent, from $780 per m<strong>on</strong>th to $972. 6<br />

Unfortunately, the ability to afford this<br />

hous<strong>in</strong>g did not grow as quickly. In<br />

this same period <str<strong>on</strong>g>of</str<strong>on</strong>g> time, the median<br />

employment <strong>in</strong>come for s<strong>in</strong>gle pers<strong>on</strong><br />

households <strong>in</strong> <strong>Ontario</strong> <strong>on</strong>ly grew by 13<br />

per cent. 7 Similarly, <strong>in</strong>come support<br />

provided through the <strong>Ontario</strong> Disability<br />

Support Program <strong>on</strong>ly grew 15 per<br />

cent 8 . As market-rate hous<strong>in</strong>g became<br />

<strong>in</strong>creas<strong>in</strong>gly less affordable, the wait<br />

list for rent-geared-to-<strong>in</strong>come (RGI)<br />

hous<strong>in</strong>g (un<str<strong>on</strong>g>its</str<strong>on</strong>g> where rent is set to an<br />

affordable percentage <str<strong>on</strong>g>of</str<strong>on</strong>g> household<br />

<strong>in</strong>come) grew 39 per cent, reach<strong>in</strong>g<br />

over 171,000 households. 9<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g>re are many theories beh<strong>in</strong>d the<br />

surge <strong>in</strong> hous<strong>in</strong>g prices, with two <str<strong>on</strong>g>of</str<strong>on</strong>g> the<br />

most comm<strong>on</strong> be<strong>in</strong>g a lack <str<strong>on</strong>g>of</str<strong>on</strong>g> supply 10<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> a surge <strong>in</strong> dem<str<strong>on</strong>g>and</str<strong>on</strong>g>. 11 Together,<br />

these two factors put an <strong>in</strong>credible stra<strong>in</strong><br />

<strong>on</strong> <strong>Ontario</strong>’s hous<strong>in</strong>g market, caus<strong>in</strong>g<br />

prices <str<strong>on</strong>g>of</str<strong>on</strong>g> both hous<strong>in</strong>g <str<strong>on</strong>g>and</str<strong>on</strong>g> rental un<str<strong>on</strong>g>its</str<strong>on</strong>g><br />

to <strong>in</strong>crease. In fact, between 2012 <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

FIGURE 2.1: COMPARING THE RISE IN INFLATION 12 , THE WAIT LIST FOR SOCIAL<br />

HOUSING 13 , INCOME FOR SINGLE PEOPLE 14 , AND AVERAGE RENT 15<br />

Percent Change<br />

45%<br />

40%<br />

35%<br />

30%<br />

25%<br />

20%<br />

15%<br />

10%<br />

5%<br />

0%<br />

-5%<br />

2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015<br />

Wait List, Social <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

Average Rent,<br />

1 Bedroom<br />

Inflati<strong>on</strong><br />

Employment Income,<br />

S<strong>in</strong>gle People<br />

11


ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

2016, the average property value <str<strong>on</strong>g>of</str<strong>on</strong>g> a<br />

home <strong>in</strong> <strong>Ontario</strong> <strong>in</strong>creased by 18 per<br />

cent. 16<br />

As hous<strong>in</strong>g prices <strong>in</strong>crease, more <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

more <strong>in</strong>dividuals <str<strong>on</strong>g>and</str<strong>on</strong>g> families are be<strong>in</strong>g<br />

priced out <str<strong>on</strong>g>of</str<strong>on</strong>g> be<strong>in</strong>g able to purchase<br />

a home <str<strong>on</strong>g>and</str<strong>on</strong>g> c<strong>on</strong>sequently turn to<br />

rent<strong>in</strong>g. This <strong>in</strong>creases the dem<str<strong>on</strong>g>and</str<strong>on</strong>g><br />

for rental un<str<strong>on</strong>g>its</str<strong>on</strong>g> <str<strong>on</strong>g>and</str<strong>on</strong>g>, as such, the price.<br />

C<strong>on</strong>tribut<strong>in</strong>g to this is the low availability<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> rental stock, as c<strong>on</strong>structi<strong>on</strong> <strong>on</strong><br />

purpose-built rentals (rental un<str<strong>on</strong>g>its</str<strong>on</strong>g> <strong>in</strong><br />

privately <strong>in</strong>itiated, purpose-built, rental<br />

structures <str<strong>on</strong>g>of</str<strong>on</strong>g> three un<str<strong>on</strong>g>its</str<strong>on</strong>g> or more 17 ) was<br />

stalled for almost 40 years <strong>in</strong> favour <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

build<strong>in</strong>g c<strong>on</strong>dom<strong>in</strong>ium developments.<br />

C<strong>on</strong>dom<strong>in</strong>ium un<str<strong>on</strong>g>its</str<strong>on</strong>g>, used as rental<br />

properties, tend to be higher priced<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> far less stable than traditi<strong>on</strong>al<br />

rental un<str<strong>on</strong>g>its</str<strong>on</strong>g>, as <strong>in</strong>vestors <str<strong>on</strong>g>of</str<strong>on</strong>g>ten rent for<br />

shorter periods <str<strong>on</strong>g>of</str<strong>on</strong>g> time <strong>in</strong> order to flip<br />

un<str<strong>on</strong>g>its</str<strong>on</strong>g> when the market is right to sell, 18<br />

Between 2005 <str<strong>on</strong>g>and</str<strong>on</strong>g> 2015, there were<br />

271,000 c<strong>on</strong>dos built <strong>in</strong> <strong>Ontario</strong>, <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

<strong>on</strong>ly 56,000 purpose-built rental un<str<strong>on</strong>g>its</str<strong>on</strong>g>, 19<br />

This means that while there are some<br />

un<str<strong>on</strong>g>its</str<strong>on</strong>g> becom<strong>in</strong>g available, the market<br />

is oversaturated with high-cost, luxury<br />

FIGURE 2.3: CONSTRUCTION OF UNITS IN ONTARIO, BY INTENDED USE, OVER TIME 21<br />

40,000<br />

30,000<br />

20,000<br />

10,000<br />

0<br />

1990 1994 1998 2002 2006 2010 2014<br />

c<strong>on</strong>dos, <str<strong>on</strong>g>and</str<strong>on</strong>g> few (if any) more affordable<br />

rentals. Until recently, rent c<strong>on</strong>trol<br />

regulati<strong>on</strong>s <strong>on</strong>ly applied to un<str<strong>on</strong>g>its</str<strong>on</strong>g> built<br />

before 1991, 20 so these c<strong>on</strong>dos were<br />

exempt <str<strong>on</strong>g>and</str<strong>on</strong>g> l<str<strong>on</strong>g>and</str<strong>on</strong>g>lords were permitted<br />

to arbitrarily <strong>in</strong>crease rent. As more<br />

Ontarians become priced out <str<strong>on</strong>g>of</str<strong>on</strong>g> home<br />

ownership <str<strong>on</strong>g>and</str<strong>on</strong>g> c<strong>on</strong>t<strong>in</strong>ue to turn to the<br />

rental market, the need for affordable<br />

hous<strong>in</strong>g becomes <strong>in</strong>creas<strong>in</strong>gly more<br />

acute.<br />

FIGURE 2.2: TOTAL CONSTRUCTION OF<br />

UNITS BY INTENDED USE, ONTARIO 21<br />

300,000<br />

250,000<br />

200,000<br />

150,000<br />

100,000<br />

50,000<br />

0<br />

Rental<br />

C<strong>on</strong>dos<br />

C<strong>on</strong>dom<strong>in</strong>imums<br />

Rental<br />

12


II. History <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

Rental<br />

<strong>Ontario</strong> has not always been<br />

<strong>in</strong> this predicament. In<br />

the 1960s <str<strong>on</strong>g>and</str<strong>on</strong>g> 1970s, the<br />

federal government had<br />

str<strong>on</strong>g tax-<strong>in</strong>centive programs that<br />

produced thous<str<strong>on</strong>g>and</str<strong>on</strong>g>s <str<strong>on</strong>g>of</str<strong>on</strong>g> rental un<str<strong>on</strong>g>its</str<strong>on</strong>g><br />

each year. However, <strong>in</strong> the mid-1980s,<br />

these programs were cancelled <strong>in</strong> an<br />

effort to drive more Canadians to home<br />

ownership. 22 This push from rent<strong>in</strong>g to<br />

own<strong>in</strong>g c<strong>on</strong>t<strong>in</strong>ued for decades. Between<br />

1996 <str<strong>on</strong>g>and</str<strong>on</strong>g> 2006, <strong>Ontario</strong> lost 86,000<br />

rental un<str<strong>on</strong>g>its</str<strong>on</strong>g> due to redevelopment <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

c<strong>on</strong>versi<strong>on</strong> to home ownership. 23<br />

While policies that favour home<br />

ownership are beneficial to some<br />

Canadians, they disproporti<strong>on</strong>ately<br />

benefit those already <strong>on</strong> top. When an<br />

<strong>in</strong>dividual has difficulty afford<strong>in</strong>g basic<br />

necessities like food, sav<strong>in</strong>g enough<br />

to afford a down payment <strong>on</strong> a home<br />

can be a goal that is entirely out <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

reach. Home ownership is <str<strong>on</strong>g>of</str<strong>on</strong>g>ten seen<br />

as a forced sav<strong>in</strong>gs plan <str<strong>on</strong>g>and</str<strong>on</strong>g> a means<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> wealth accumulati<strong>on</strong>. However, <strong>in</strong><br />

the short-term, it can be significantly<br />

more expensive than rent<strong>in</strong>g <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

requires a tremendous amount <str<strong>on</strong>g>of</str<strong>on</strong>g> debt<br />

(which, if defaulted <strong>on</strong>, can have a<br />

negative impact <strong>on</strong> credit rat<strong>in</strong>gs <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

loss <str<strong>on</strong>g>of</str<strong>on</strong>g> capital), putt<strong>in</strong>g <strong>in</strong>dividuals <strong>in</strong> a<br />

precarious f<strong>in</strong>ancial situati<strong>on</strong>. 24<br />

As policies that supported a healthy<br />

rental system disappeared, so too did<br />

the commitments to rent-geared-to<strong>in</strong>come<br />

un<str<strong>on</strong>g>its</str<strong>on</strong>g> (RGI), or what is more<br />

comm<strong>on</strong>ly referred to as social hous<strong>in</strong>g.<br />

Until 1994, Canada’s social hous<strong>in</strong>g<br />

program had been build<strong>in</strong>g 20,000 new<br />

un<str<strong>on</strong>g>its</str<strong>on</strong>g> per year, which greatly boosted<br />

the availability <str<strong>on</strong>g>of</str<strong>on</strong>g> hous<strong>in</strong>g opti<strong>on</strong>s for<br />

low-<strong>in</strong>come Canadians. 25 Around the<br />

same time, the Government <str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>Ontario</strong><br />

transferred all resp<strong>on</strong>sibility <str<strong>on</strong>g>of</str<strong>on</strong>g> operat<strong>in</strong>g<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> ma<strong>in</strong>ta<strong>in</strong><strong>in</strong>g exist<strong>in</strong>g social hous<strong>in</strong>g<br />

FIGURE 2.4: VACANCY RATES, ONTARIO 26 AND TORONTO 27<br />

4.0<br />

3.5<br />

3.0<br />

Healthy Vacancy Rate<br />

2.5<br />

2.0<br />

1.5<br />

1.0<br />

2005 2007 2009 2011 2013 2015<br />

<strong>Ontario</strong><br />

Tor<strong>on</strong>to<br />

13


un<str<strong>on</strong>g>its</str<strong>on</strong>g> to the municipalities, which lack<br />

the taxati<strong>on</strong> powers <str<strong>on</strong>g>and</str<strong>on</strong>g> revenues seen<br />

at the prov<strong>in</strong>cial <str<strong>on</strong>g>and</str<strong>on</strong>g> federal levels. 28<br />

This added <strong>in</strong>creased stra<strong>in</strong> <strong>on</strong> the<br />

budgets <str<strong>on</strong>g>of</str<strong>on</strong>g> cities <str<strong>on</strong>g>and</str<strong>on</strong>g> towns across<br />

the prov<strong>in</strong>ce, <str<strong>on</strong>g>and</str<strong>on</strong>g> to this day c<strong>on</strong>t<strong>in</strong>ues<br />

to c<strong>on</strong>tribute to the poor quality <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

l<strong>on</strong>g wait lists associated with social<br />

hous<strong>in</strong>g. With little <strong>in</strong>vestment <strong>in</strong><br />

affordable hous<strong>in</strong>g s<strong>in</strong>ce the 1990s,<br />

<strong>Ontario</strong>’s hous<strong>in</strong>g market has been<br />

headed towards a state <str<strong>on</strong>g>of</str<strong>on</strong>g> emergency<br />

for years.<br />

ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> issue <str<strong>on</strong>g>of</str<strong>on</strong>g> affordable hous<strong>in</strong>g<br />

reaches every corner <str<strong>on</strong>g>of</str<strong>on</strong>g> the prov<strong>in</strong>ce.<br />

In <strong>Ontario</strong>, <strong>on</strong>e <strong>in</strong> three households<br />

are rental tenants, or 1.4 milli<strong>on</strong><br />

households. 29 Of these renters, 30 per<br />

cent live <strong>in</strong> higher-cost <str<strong>on</strong>g>and</str<strong>on</strong>g> less stable<br />

c<strong>on</strong>dom<strong>in</strong>ium un<str<strong>on</strong>g>its</str<strong>on</strong>g>, 50 per cent live <strong>in</strong><br />

purpose-built rentals, <str<strong>on</strong>g>and</str<strong>on</strong>g> the rema<strong>in</strong><strong>in</strong>g<br />

20 per cent live <strong>in</strong> social hous<strong>in</strong>g. 30 With<br />

the current trend push<strong>in</strong>g more <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

more Ontarians to rent, <str<strong>on</strong>g>and</str<strong>on</strong>g> with l<strong>on</strong>g<br />

wait lists for social hous<strong>in</strong>g un<str<strong>on</strong>g>its</str<strong>on</strong>g>, f<strong>in</strong>d<strong>in</strong>g<br />

safe <str<strong>on</strong>g>and</str<strong>on</strong>g> affordable rental opti<strong>on</strong>s has<br />

become especially challeng<strong>in</strong>g. For a<br />

rental market to be c<strong>on</strong>sidered healthy,<br />

the vacancy rate should sit around 3 per<br />

cent. 31 In <strong>Ontario</strong>, the current vacancy<br />

rate for rental un<str<strong>on</strong>g>its</str<strong>on</strong>g> is at 2.1 per cent. In<br />

cities like Tor<strong>on</strong>to, it is at an even more<br />

alarm<strong>in</strong>g rate <str<strong>on</strong>g>of</str<strong>on</strong>g> 1.3 per cent. 32 To put it<br />

simply, there are not enough traditi<strong>on</strong>al<br />

rental un<str<strong>on</strong>g>its</str<strong>on</strong>g> to cover the grow<strong>in</strong>g needs<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>Ontario</strong>’s populati<strong>on</strong>.<br />

BETWEEN 1996 AND 2006, ONTARIO LOST<br />

86,000<br />

RENTAL UNITS DUE TO REDEVELOPMENT<br />

AND CONVERSION TO HOME OWNERSHIP<br />

UNTIL 1994, CANADA WAS BUILDING<br />

20,000<br />

NEW SOCIAL HOUSING UNITS PER YEAR<br />

FOR LOW-INCOME TENANTS<br />

14


III. True <str<strong>on</strong>g>Cost</str<strong>on</strong>g><br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> need for affordable hous<strong>in</strong>g<br />

does not discrim<strong>in</strong>ate, but<br />

<strong>in</strong>dividuals that are work<strong>in</strong>g<br />

low-wage jobs, surviv<strong>in</strong>g<br />

<strong>on</strong> social assistance, or liv<strong>in</strong>g with<br />

a disability feel this need even more<br />

acutely. <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> is c<strong>on</strong>sidered<br />

affordable if it c<strong>on</strong>sumes no more than<br />

30 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> before-tax household<br />

<strong>in</strong>come. 33 In <strong>Ontario</strong>, the average<br />

household spends 22 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> <str<strong>on</strong>g>its</str<strong>on</strong>g><br />

m<strong>on</strong>thly <strong>in</strong>come <strong>on</strong> hous<strong>in</strong>g. 34 This<br />

means that the average Ontarian has<br />

sufficient fund<strong>in</strong>g to not <strong>on</strong>ly support the<br />

ro<str<strong>on</strong>g>of</str<strong>on</strong>g> over their head, but also to afford<br />

all other basic necessities, like food,<br />

heat, <str<strong>on</strong>g>and</str<strong>on</strong>g> hydro, as well as establish<br />

sav<strong>in</strong>gs for unexpected events. In<br />

c<strong>on</strong>trast, as found by Daily Bread Food<br />

Bank, the average food bank client<br />

spends more than 70 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> their<br />

<strong>in</strong>come <strong>on</strong> rent or hous<strong>in</strong>g, 35 a rate that<br />

is 20 percentage po<strong>in</strong>ts higher than the<br />

‘severe’ core hous<strong>in</strong>g need threshold <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

50 per cent. 36<br />

Immediately, this leaves very little<br />

left for basic necessities, <str<strong>on</strong>g>and</str<strong>on</strong>g> the<br />

opportunity to save for unexpected<br />

expenses near impossible. L<strong>on</strong>g-term, it<br />

means that food bank clients are liv<strong>in</strong>g<br />

at an elevated risk <str<strong>on</strong>g>of</str<strong>on</strong>g> displacement or<br />

homelessness. To better underst<str<strong>on</strong>g>and</str<strong>on</strong>g><br />

the challenges that food bank clients<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> low-<strong>in</strong>come Ontarians face, this<br />

report has analyzed the cost <str<strong>on</strong>g>of</str<strong>on</strong>g> rent<strong>in</strong>g<br />

<strong>in</strong> ten cities across the prov<strong>in</strong>ce. Key<br />

f<strong>in</strong>d<strong>in</strong>gs have supported anecdotal<br />

evidence from food banks across the<br />

prov<strong>in</strong>ce that the cost <str<strong>on</strong>g>of</str<strong>on</strong>g> hous<strong>in</strong>g is<br />

simply out <str<strong>on</strong>g>of</str<strong>on</strong>g> reach.<br />

In all ten cities, a pers<strong>on</strong> that is<br />

employed full-time at m<strong>in</strong>imum wage<br />

does not earn enough to comfortably<br />

afford the cost <str<strong>on</strong>g>of</str<strong>on</strong>g> hous<strong>in</strong>g. In larger cities<br />

like Tor<strong>on</strong>to, Ottawa, Hamilt<strong>on</strong>, <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

even St. Cathar<strong>in</strong>es, these <strong>in</strong>dividuals<br />

are spend<strong>in</strong>g between 40 to 60 per cent<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> their m<strong>on</strong>thly <strong>in</strong>come <strong>on</strong> rent al<strong>on</strong>e.<br />

With this <strong>in</strong> m<strong>in</strong>d, it is unsurpris<strong>in</strong>g that<br />

wage workers account for 7 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

food bank clients, or 34,959 <strong>in</strong>dividuals<br />

each year.<br />

As troubl<strong>in</strong>g as these figures are, the<br />

budgetary requirements <str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>in</strong>dividuals<br />

liv<strong>in</strong>g <strong>on</strong> social assistance are even<br />

more alarm<strong>in</strong>g. In the last year, 90<br />

per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> food bank clients lived <strong>in</strong><br />

private rentals or social hous<strong>in</strong>g un<str<strong>on</strong>g>its</str<strong>on</strong>g>,<br />

with 68 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> clients <strong>in</strong>dicat<strong>in</strong>g<br />

social or <strong>in</strong>come assistance as their<br />

primary source <str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>in</strong>come. A s<strong>in</strong>gle<br />

pers<strong>on</strong> <strong>on</strong> OW receives $721 per<br />

m<strong>on</strong>th, <str<strong>on</strong>g>and</str<strong>on</strong>g> a s<strong>in</strong>gle pers<strong>on</strong> <strong>on</strong> the<br />

ODSP receives $1,151 per m<strong>on</strong>th 37 . For<br />

these <strong>in</strong>dividuals, whether it be OW or<br />

ODSP, it is extremely difficult to afford<br />

a <strong>on</strong>e-bedroom apartment <strong>in</strong> most<br />

cities <strong>in</strong> <strong>Ontario</strong>. In the cities listed, all<br />

<strong>in</strong>dividuals liv<strong>in</strong>g <strong>on</strong> ODSP would need<br />

to commit more than 60 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

their m<strong>on</strong>thly <strong>in</strong>come <strong>in</strong> order to afford<br />

the average price <str<strong>on</strong>g>of</str<strong>on</strong>g> a <strong>on</strong>e-bedroom<br />

apartment.<br />

15


For <strong>in</strong>dividuals receiv<strong>in</strong>g OW, afford<strong>in</strong>g<br />

the rent for an average <strong>on</strong>e-bedroom<br />

apartment is virtually out <str<strong>on</strong>g>of</str<strong>on</strong>g> reach. Even<br />

<strong>in</strong> Elliot Lake, the city with the lowest<br />

average rent <str<strong>on</strong>g>of</str<strong>on</strong>g> those highlighted,<br />

an <strong>in</strong>dividual <strong>on</strong> OW would have no<br />

more than $28 left to cover all other<br />

m<strong>on</strong>thly expenses, after rent is paid.<br />

In eight out <str<strong>on</strong>g>of</str<strong>on</strong>g> ten cities listed above,<br />

the average rent <str<strong>on</strong>g>of</str<strong>on</strong>g> a <strong>on</strong>e-bedroom<br />

apartment is more than 100 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

the <strong>in</strong>dividual’s m<strong>on</strong>thly <strong>in</strong>come. While<br />

the above sample <str<strong>on</strong>g>of</str<strong>on</strong>g> cities does not<br />

reflect the complete picture <str<strong>on</strong>g>of</str<strong>on</strong>g> hous<strong>in</strong>g<br />

affordability <str<strong>on</strong>g>and</str<strong>on</strong>g> low-<strong>in</strong>come Ontarians,<br />

it reflects a trend that food banks are<br />

report<strong>in</strong>g prov<strong>in</strong>ce-wide.<br />

Prov<strong>in</strong>cially, more than 45 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

food bank clients, or 224,736 people,<br />

have less than $100 left each m<strong>on</strong>th,<br />

after pay<strong>in</strong>g basic expenses. 38 This<br />

leaves them with just over $3 per day<br />

to cover all other basic needs, like food<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> transportati<strong>on</strong>. With this <strong>in</strong> m<strong>in</strong>d,<br />

it is unsurpris<strong>in</strong>g that so many adults,<br />

FIGURE 2.5: THE COST OF RENTING, BY CITY<br />

ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

City Populati<strong>on</strong> 39 Food Bank<br />

Unique<br />

Clients<br />

Percentage<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> Populati<strong>on</strong><br />

Served by<br />

Food Bank<br />

Average<br />

Household<br />

Size 39<br />

Average<br />

<str<strong>on</strong>g>Cost</str<strong>on</strong>g> <str<strong>on</strong>g>of</str<strong>on</strong>g> A<br />

1 Bedroom<br />

Apt 40<br />

Vacancy<br />

Rate 41<br />

Tor<strong>on</strong>to 2,731,571 113,370 42 4% 2.4 $1,137 1.3%<br />

Ottawa 934,243 55,483 6% 2.5 $982 3.0%<br />

Hamilt<strong>on</strong> 536,917 29,083 5% 2.5 $811 3.8%<br />

L<strong>on</strong>d<strong>on</strong> 383,822 25,093 7% 2.3 $807 2.1%<br />

W<strong>in</strong>dsor 217,188 22,152 10% 2.3 $706 2.9%<br />

Sudbury 161,531 7,586 5% 2.3 $776 5.3%<br />

St. Cathar<strong>in</strong>es 133,113 10,961 8% 2.3 $801 2.2%<br />

Thunder Bay 107,909 17,401 16% 2.2 $765 5.0%<br />

Brockville 21,854 2,737 13% 2 $761 N/A<br />

Elliot Lake 10,741 1,083 10% 1.9 $693 N/A<br />

<strong>Ontario</strong> 13,448,494 499,415 4% 2.6 $972 2.1%<br />

16


FIGURE 2.6: PERCENT OF INCOME SPENT ON MARKET RENT<br />

Percentage <str<strong>on</strong>g>of</str<strong>on</strong>g> Income Spent <strong>on</strong> Market Rent<br />

City<br />

Median<br />

After Tax<br />

Income, All<br />

Households<br />

Median After<br />

Tax Income,<br />

One Pers<strong>on</strong><br />

Households<br />

M<strong>in</strong>imum<br />

Wage FT<br />

Worker<br />

M<strong>in</strong>imum<br />

Wage PT<br />

Worker<br />

ODSP<br />

Recipient<br />

OW<br />

Recipient<br />

Tor<strong>on</strong>to 23% 40% 58% 96% 102% 158%<br />

Ottawa 16% 29% 50% 83% 88% 136%<br />

Hamilt<strong>on</strong> 16% 32% 41% 68% 73% 112%<br />

L<strong>on</strong>d<strong>on</strong> 18% 31% 41% 68% 73% 112%<br />

W<strong>in</strong>dsor 17% 29% 36% 60% 64% 98%<br />

Sudbury 15% 27% 39% 65% 70% 108%<br />

St Cathar<strong>in</strong>es 18% 33% 41% 68% 72% 111%<br />

Thunder Bay 16% 29% 39% 65% 69% 106%<br />

Brockville 20% 31% 39% 64% 69% 106%<br />

Elliot Lake 21% 35% 35% 58% 62% 96%<br />

30-60% <str<strong>on</strong>g>of</str<strong>on</strong>g> Income 60-100% <str<strong>on</strong>g>of</str<strong>on</strong>g> Income 100%+ <str<strong>on</strong>g>of</str<strong>on</strong>g> Income<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> above chart highlights the average percentage that Ontarians from six <strong>in</strong>come<br />

demographics spend <strong>on</strong> hous<strong>in</strong>g each m<strong>on</strong>th, based <strong>on</strong> the average rent for a <strong>on</strong>e-bedroom<br />

apartment <strong>in</strong> each <str<strong>on</strong>g>of</str<strong>on</strong>g> those cities, <strong>in</strong>clud<strong>in</strong>g: the average Ontarian household, s<strong>in</strong>gle pers<strong>on</strong><br />

households, full-time m<strong>in</strong>imum wage workers, part time m<strong>in</strong>imum wage workers, ODSP<br />

recipients, <str<strong>on</strong>g>and</str<strong>on</strong>g> OW recipients.<br />

families, <str<strong>on</strong>g>and</str<strong>on</strong>g> seniors have no other<br />

choice but to turn to food banks for<br />

assistance each m<strong>on</strong>th.<br />

For low-<strong>in</strong>come Ontarians, the cost<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> hous<strong>in</strong>g is too high. While shelter<br />

is a basic human right, over 499,000<br />

adults, children <str<strong>on</strong>g>and</str<strong>on</strong>g> seniors are<br />

struggl<strong>in</strong>g to ma<strong>in</strong>ta<strong>in</strong> a ro<str<strong>on</strong>g>of</str<strong>on</strong>g> over their<br />

heads, al<strong>on</strong>g with other basic needs,<br />

across the prov<strong>in</strong>ce. Food banks work<br />

excepti<strong>on</strong>ally hard to provide healthy<br />

food, hous<strong>in</strong>g support, rental subsidies,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> programm<strong>in</strong>g to help families <strong>in</strong><br />

need; however, this is not a substitute<br />

for the l<strong>on</strong>g-term soluti<strong>on</strong>s that can be<br />

found <strong>in</strong> immediate policy changes <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

<strong>in</strong>vestments <strong>in</strong> affordable hous<strong>in</strong>g.<br />

17


IV. Current<br />

Levels <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

Government<br />

Support<br />

FIGURE 2.7: AFFORDABLE HOUSING<br />

WAITLIST VS GOVERNMENT<br />

COMMITMENTS TO BUILD<br />

Thous<str<strong>on</strong>g>and</str<strong>on</strong>g>s<br />

180<br />

160<br />

140<br />

120<br />

100<br />

ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

<str<strong>on</strong>g>The</str<strong>on</strong>g>re is no doubt that both<br />

prov<strong>in</strong>cial <str<strong>on</strong>g>and</str<strong>on</strong>g> federal<br />

governments have made<br />

<strong>in</strong>vestments <strong>in</strong> affordable<br />

hous<strong>in</strong>g. Currently, the federal<br />

government has allocated $11.2 billi<strong>on</strong><br />

over the next ten years <strong>on</strong> a nati<strong>on</strong>al<br />

hous<strong>in</strong>g strategy. 43 While this is a<br />

c<strong>on</strong>siderable <strong>in</strong>vestment, the details<br />

<strong>on</strong> how this fund<strong>in</strong>g will be <strong>in</strong>vested<br />

still rema<strong>in</strong> unclear. At present, part <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

the strategy <strong>in</strong>cludes a commitment to<br />

build<strong>in</strong>g 80,000 new affordable hous<strong>in</strong>g<br />

un<str<strong>on</strong>g>its</str<strong>on</strong>g>, <str<strong>on</strong>g>and</str<strong>on</strong>g> homelessness preventi<strong>on</strong><br />

for 500,000 Canadians. 44 This will<br />

absolutely make a positive impact <strong>in</strong><br />

the lives <str<strong>on</strong>g>of</str<strong>on</strong>g> many low-<strong>in</strong>come families;<br />

however, with 171,000 households<br />

<strong>on</strong> the waitlist <strong>in</strong> <strong>Ontario</strong> al<strong>on</strong>e, it is<br />

arguable that this is not yet enough to<br />

properly address the affordable hous<strong>in</strong>g<br />

needs <str<strong>on</strong>g>of</str<strong>on</strong>g> Canadians.<br />

Prov<strong>in</strong>cially, a number <str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>in</strong>vestments<br />

have been made as well. Through the<br />

Investment <strong>in</strong> Affordable <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

Program (IAH), there is a commitment<br />

to the repair <str<strong>on</strong>g>and</str<strong>on</strong>g> creati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> 11,000<br />

social hous<strong>in</strong>g un<str<strong>on</strong>g>its</str<strong>on</strong>g> between 2014 <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

2020. 45 <str<strong>on</strong>g>The</str<strong>on</strong>g>re is no doubt that this is a<br />

80<br />

60<br />

40<br />

20<br />

0<br />

Households<br />

<strong>on</strong> the 2016<br />

Wait List for<br />

Affordable<br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g>,<br />

<strong>Ontario</strong><br />

Affordable<br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

Un<str<strong>on</strong>g>its</str<strong>on</strong>g>, Build<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> Ma<strong>in</strong>ta<strong>in</strong>,<br />

<strong>Ontario</strong><br />

(Investment<br />

<strong>in</strong> Affordable<br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g>,<br />

2014-2020)<br />

Affordable<br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

Un<str<strong>on</strong>g>its</str<strong>on</strong>g>, All <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

Canada<br />

(Nati<strong>on</strong>al<br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

Strategy, 10<br />

Years)<br />

step <strong>in</strong> the right directi<strong>on</strong>; however, it<br />

is estimated that, <strong>in</strong> order to properly<br />

address hous<strong>in</strong>g issues, the prov<strong>in</strong>ce<br />

would actually need to build an<br />

additi<strong>on</strong>al 10,000 un<str<strong>on</strong>g>its</str<strong>on</strong>g> every year just<br />

to keep up with dem<str<strong>on</strong>g>and</str<strong>on</strong>g>. 46<br />

Municipal agencies are fac<strong>in</strong>g tough<br />

c<strong>on</strong>diti<strong>on</strong>s. For example, the Tor<strong>on</strong>to<br />

Community <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Corporati<strong>on</strong>,<br />

Canada’s largest provider <str<strong>on</strong>g>of</str<strong>on</strong>g> social<br />

hous<strong>in</strong>g, is fac<strong>in</strong>g a $1.73 billi<strong>on</strong> shortfall<br />

for capital repairs, 47 <str<strong>on</strong>g>and</str<strong>on</strong>g> estimates that<br />

by 2023, half <str<strong>on</strong>g>of</str<strong>on</strong>g> their exist<strong>in</strong>g stock<br />

will be <strong>in</strong> “critical” c<strong>on</strong>diti<strong>on</strong> without<br />

18


additi<strong>on</strong>al fund<strong>in</strong>g. 48 With 82,000<br />

households currently <strong>on</strong> an almost 10<br />

year l<strong>on</strong>g wait list for affordable hous<strong>in</strong>g<br />

<strong>in</strong> Tor<strong>on</strong>to, 49 the situati<strong>on</strong> is dire. This<br />

c<strong>on</strong>cern is echoed across <strong>Ontario</strong> with<br />

over 171,000 households wait<strong>in</strong>g for<br />

rent-geared-to-<strong>in</strong>come hous<strong>in</strong>g, <str<strong>on</strong>g>and</str<strong>on</strong>g> a<br />

wait time <str<strong>on</strong>g>of</str<strong>on</strong>g> almost four years. Perhaps<br />

most c<strong>on</strong>cern<strong>in</strong>g is the number <str<strong>on</strong>g>of</str<strong>on</strong>g> senior<br />

citizens wait<strong>in</strong>g for affordable hous<strong>in</strong>g<br />

opti<strong>on</strong>s. Between 2003 <str<strong>on</strong>g>and</str<strong>on</strong>g> 2015, the<br />

number <str<strong>on</strong>g>of</str<strong>on</strong>g> seniors <strong>on</strong> the list <strong>in</strong>creased<br />

10 per cent, now represent<strong>in</strong>g 32 per<br />

cent <str<strong>on</strong>g>of</str<strong>on</strong>g> all households.<br />

In additi<strong>on</strong> to the commitments made<br />

through IAH, the prov<strong>in</strong>cial government<br />

has also <strong>in</strong>troduced the Fair <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

Plan, committ<strong>in</strong>g $125 milli<strong>on</strong> <strong>in</strong><br />

c<strong>on</strong>structi<strong>on</strong> rebates for companies<br />

committed to develop<strong>in</strong>g purpose-built<br />

rentals, <str<strong>on</strong>g>and</str<strong>on</strong>g> the Rental Fairness Act<br />

<str<strong>on</strong>g>2017</str<strong>on</strong>g>, which exp<str<strong>on</strong>g>and</str<strong>on</strong>g>s rent c<strong>on</strong>trol to all<br />

private un<str<strong>on</strong>g>its</str<strong>on</strong>g> to ensure that rent is not<br />

raised bey<strong>on</strong>d <strong>in</strong>crease guidel<strong>in</strong>es. 50<br />

In the <strong>Ontario</strong> government’s recently<br />

released Income Security: A Roadmap<br />

For Change, a work<strong>in</strong>g group <str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>in</strong>dustry<br />

experts recommended <strong>in</strong>creas<strong>in</strong>g<br />

social assistance rates by 22 per<br />

cent over the next three years <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

<strong>in</strong>troduc<strong>in</strong>g a modest hous<strong>in</strong>g benefit. 51<br />

If implemented, this plan would go a<br />

l<strong>on</strong>g way towards alleviat<strong>in</strong>g hunger.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> need for affordable hous<strong>in</strong>g<br />

al<strong>on</strong>gside <strong>in</strong>come security requires<br />

both an immediate soluti<strong>on</strong> <str<strong>on</strong>g>and</str<strong>on</strong>g> a l<strong>on</strong>gterm<br />

plan to properly address the need<br />

that exists <strong>in</strong> <strong>Ontario</strong>.<br />

UPDATE<br />

Federal Government’s<br />

Announcement <strong>on</strong> Canada’s first<br />

Nati<strong>on</strong>al <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Strategy<br />

As the <str<strong>on</strong>g>2017</str<strong>on</strong>g> <str<strong>on</strong>g>Hunger</str<strong>on</strong>g> <str<strong>on</strong>g>Report</str<strong>on</strong>g> was<br />

go<strong>in</strong>g to pr<strong>in</strong>t, the Government<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> Canada announced the new<br />

Nati<strong>on</strong>al <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Strategy <str<strong>on</strong>g>and</str<strong>on</strong>g> <str<strong>on</strong>g>its</str<strong>on</strong>g><br />

details.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> <strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food<br />

Banks is pleased with a number <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

the commitments made, <strong>in</strong>clud<strong>in</strong>g:<br />

legislati<strong>on</strong> that will require the<br />

government to ma<strong>in</strong>ta<strong>in</strong> a Nati<strong>on</strong>al<br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Strategy, the creati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

100,000 new hous<strong>in</strong>g un<str<strong>on</strong>g>its</str<strong>on</strong>g> across<br />

the country over the next 10 years,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> the establishment <str<strong>on</strong>g>of</str<strong>on</strong>g> a new<br />

hous<strong>in</strong>g benefit - a tool that has<br />

been l<strong>on</strong>g-advocated for by the<br />

OAFB <str<strong>on</strong>g>and</str<strong>on</strong>g> <str<strong>on</strong>g>its</str<strong>on</strong>g> member food banks.<br />

This a str<strong>on</strong>g first step <strong>in</strong> mov<strong>in</strong>g<br />

the needle <strong>on</strong> poverty <strong>in</strong> <strong>Ontario</strong><br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> Canada. However, it will be<br />

necessary to complement this<br />

work with prov<strong>in</strong>cial acti<strong>on</strong> <strong>on</strong><br />

improved <strong>in</strong>come assistance<br />

programs, as recommended <strong>in</strong><br />

Income Security: A Roadmap for<br />

Change.<br />

19


ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

V. Why<br />

Affordable<br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

Matters<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> current federal <strong>in</strong>vestment<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> $11 billi<strong>on</strong> for a Nati<strong>on</strong>al<br />

<str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Strategy is<br />

promis<strong>in</strong>g; however, it has yet<br />

to be announced when this fund<strong>in</strong>g will<br />

be released <str<strong>on</strong>g>and</str<strong>on</strong>g> where it will be <strong>in</strong>vested.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> <strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food Banks<br />

believes that part <str<strong>on</strong>g>of</str<strong>on</strong>g> this fund<strong>in</strong>g should<br />

be <strong>in</strong>vested <strong>in</strong>to a portable hous<strong>in</strong>g<br />

benefit for low-<strong>in</strong>come households.<br />

Under this recommendati<strong>on</strong>, the<br />

portable hous<strong>in</strong>g benefit would be<br />

provided directly to a low-<strong>in</strong>come<br />

tenant to ensure that their rent does not<br />

exceed 30 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> their household<br />

<strong>in</strong>come. At <str<strong>on</strong>g>its</str<strong>on</strong>g> most basic, this benefit<br />

would allow low-<strong>in</strong>come families to<br />

stay <strong>in</strong> their homes, <str<strong>on</strong>g>and</str<strong>on</strong>g> complement<br />

supply-side efforts to build new, or<br />

repair ag<strong>in</strong>g, social hous<strong>in</strong>g un<str<strong>on</strong>g>its</str<strong>on</strong>g>.<br />

Bey<strong>on</strong>d this, a portable hous<strong>in</strong>g benefit<br />

would drastically reduce the red tape<br />

that is <strong>in</strong>volved <strong>in</strong> manag<strong>in</strong>g the various<br />

social hous<strong>in</strong>g systems that are <strong>in</strong><br />

place across the prov<strong>in</strong>ce, help<strong>in</strong>g to<br />

reduce wait times <str<strong>on</strong>g>and</str<strong>on</strong>g> ensur<strong>in</strong>g that<br />

families <strong>in</strong> need are able to secure safe<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> adequate hous<strong>in</strong>g as quickly as<br />

possible.<br />

At present, <strong>in</strong>dividuals that live <strong>in</strong> rentgeared-to-<strong>in</strong>come<br />

hous<strong>in</strong>g experience a<br />

number <str<strong>on</strong>g>of</str<strong>on</strong>g> challenges. For example, <strong>in</strong><br />

the current system, an <strong>in</strong>dividual liv<strong>in</strong>g<br />

<strong>in</strong> social hous<strong>in</strong>g cannot move out<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> fear <str<strong>on</strong>g>of</str<strong>on</strong>g> los<strong>in</strong>g their RGI unit. As the<br />

current benefit is tied to that specific<br />

unit, if an <strong>in</strong>dividual must move cities for<br />

any reas<strong>on</strong>, whether it be employment<br />

or to be near family, they would then<br />

return to the bottom <str<strong>on</strong>g>of</str<strong>on</strong>g> the wait<strong>in</strong>g<br />

list, where they would likely rema<strong>in</strong> for<br />

years before l<str<strong>on</strong>g>and</str<strong>on</strong>g><strong>in</strong>g a new affordable<br />

unit. A portable hous<strong>in</strong>g benefit would<br />

allow for greater choice <str<strong>on</strong>g>and</str<strong>on</strong>g> flexibility,<br />

provid<strong>in</strong>g <strong>in</strong>dividuals with the ability<br />

to move more freely throughout the<br />

prov<strong>in</strong>ce <str<strong>on</strong>g>and</str<strong>on</strong>g> pursue new opportunities.<br />

To put the cost <str<strong>on</strong>g>of</str<strong>on</strong>g> the portable<br />

hous<strong>in</strong>g benefit <strong>in</strong>to c<strong>on</strong>text, it is<br />

important to note that all three levels<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> government already subsidize both<br />

homeowners <str<strong>on</strong>g>and</str<strong>on</strong>g> market-rate private<br />

renters. In 2008/2009, the subsidies<br />

to both totaled $8.9 billi<strong>on</strong>, with the<br />

vast majority ($8.4 billi<strong>on</strong>) target<strong>in</strong>g<br />

homeowners through policies like the<br />

First-Time Home Buyer’s Tax Credit,<br />

capital ga<strong>in</strong>s tax exempti<strong>on</strong>s <strong>on</strong> primary<br />

residences, <str<strong>on</strong>g>and</str<strong>on</strong>g> home renovati<strong>on</strong> tax<br />

cred<str<strong>on</strong>g>its</str<strong>on</strong>g>. 52 Much <str<strong>on</strong>g>of</str<strong>on</strong>g> these homeownertargeted<br />

benef<str<strong>on</strong>g>its</str<strong>on</strong>g> ended up <strong>in</strong> the<br />

h<str<strong>on</strong>g>and</str<strong>on</strong>g>s <str<strong>on</strong>g>of</str<strong>on</strong>g> higher-<strong>in</strong>come Ontarians, as<br />

households with an <strong>in</strong>come <str<strong>on</strong>g>of</str<strong>on</strong>g> $100,000<br />

or more have an ownership rate <str<strong>on</strong>g>of</str<strong>on</strong>g> 90.6<br />

per cent, which is almost three times<br />

higher than low <strong>in</strong>come Ontarians, who<br />

have a home ownership rate <str<strong>on</strong>g>of</str<strong>on</strong>g> less<br />

than 38 per cent. 53<br />

20


INCREASED ODDS OF VISITING THE<br />

EMERGENCY ROOM IF HOMELESS<br />

8.5 times<br />

COST OF A STANDARD HOSPITAL<br />

STAY<br />

$5,364<br />

COST OF A FEDERAL PORTABLE<br />

HOUSING BENEFIT, PER MONTH,<br />

PER PERSON<br />

$306<br />

Arguably, not provid<strong>in</strong>g this<br />

opportunity actually costs the prov<strong>in</strong>ce<br />

more, as there is a str<strong>on</strong>g <strong>in</strong>verse<br />

relati<strong>on</strong>ship between health <str<strong>on</strong>g>and</str<strong>on</strong>g> poverty.<br />

Individuals liv<strong>in</strong>g <strong>in</strong> poverty are more<br />

likely to use the health care system,<br />

due to mental or physical illnesses<br />

related to stress, poor nutriti<strong>on</strong>, <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

lack <str<strong>on</strong>g>of</str<strong>on</strong>g> stability. 54 <str<strong>on</strong>g>The</str<strong>on</strong>g> 2008 <strong>Ontario</strong><br />

Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food Banks’ ‘<str<strong>on</strong>g>Cost</str<strong>on</strong>g> <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

Poverty’ report estimated poverty costs<br />

the health care system $2.9 billi<strong>on</strong><br />

annually <strong>in</strong> <strong>Ontario</strong> al<strong>on</strong>e. 55 On top <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

the stresses <str<strong>on</strong>g>of</str<strong>on</strong>g> poverty, not hav<strong>in</strong>g a<br />

home can add further burdens. A study<br />

compar<strong>in</strong>g health care utilizati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

homeless <strong>in</strong>dividuals versus housed<br />

low-<strong>in</strong>come adults found that the<br />

homeless <strong>in</strong>dividuals were 4.2 times as<br />

likely to be hospitalized <str<strong>on</strong>g>and</str<strong>on</strong>g> 8.5 times<br />

as likely to visit the emergency room. 56<br />

Those vis<str<strong>on</strong>g>its</str<strong>on</strong>g> add up: the cost <str<strong>on</strong>g>of</str<strong>on</strong>g> a s<strong>in</strong>gle<br />

st<str<strong>on</strong>g>and</str<strong>on</strong>g>ard hospital stay <strong>in</strong> <strong>Ontario</strong> is<br />

$5,364. 57 In c<strong>on</strong>trast, a recent proposal<br />

by the Nati<strong>on</strong>al <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Collaborative<br />

estimates the cost <str<strong>on</strong>g>of</str<strong>on</strong>g> a federal portable<br />

hous<strong>in</strong>g benefit at an average <str<strong>on</strong>g>of</str<strong>on</strong>g> $306<br />

per household, per m<strong>on</strong>th. 58 This benefit<br />

could help move many Ontarians<br />

who are currently <strong>in</strong> precarious liv<strong>in</strong>g<br />

situati<strong>on</strong>s <strong>in</strong>to stability.<br />

By develop<strong>in</strong>g a portable hous<strong>in</strong>g<br />

benefit for low-<strong>in</strong>come Ontarians, the<br />

government could drastically reduce<br />

spend<strong>in</strong>g <strong>on</strong> the already stressed<br />

healthcare systems, while directly<br />

improv<strong>in</strong>g the well-be<strong>in</strong>g <str<strong>on</strong>g>of</str<strong>on</strong>g> hundreds<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> thous<str<strong>on</strong>g>and</str<strong>on</strong>g>s <str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>in</strong>dividuals. Provid<strong>in</strong>g<br />

<strong>in</strong>dividuals with a pathway to hous<strong>in</strong>g<br />

that is safe, appropriate, <str<strong>on</strong>g>and</str<strong>on</strong>g> affordable<br />

is <strong>on</strong>e way the prov<strong>in</strong>cial government<br />

can save m<strong>on</strong>ey, decrease food bank<br />

use, <str<strong>on</strong>g>and</str<strong>on</strong>g> build str<strong>on</strong>ger <str<strong>on</strong>g>and</str<strong>on</strong>g> healthier<br />

communities.<br />

21


Bey<strong>on</strong>d<br />

Table<br />

THE<br />

59.6% 33.5% 52.9%<br />

OF FOOD BANKS IN<br />

ONTARIO OFFER AT<br />

LEAST ONE<br />

OF FOOD BANKS IN<br />

ONTARIO OFFER AT<br />

LEAST ONE<br />

OF FOOD BANKS IN<br />

ONTARIO OFFER AT<br />

LEAST ONE<br />

Food-Focused Skill-Build<strong>in</strong>g Social Service<br />

PROGRAM PROGRAM PROGRAM<br />

• community kitchens<br />

• community gardens<br />

• low-cost produce<br />

• diet- <str<strong>on</strong>g>and</str<strong>on</strong>g> culturallyspecific<br />

foods<br />

• nutriti<strong>on</strong> educati<strong>on</strong><br />

• snack <str<strong>on</strong>g>and</str<strong>on</strong>g> breakfast<br />

programs<br />

• budget<strong>in</strong>g help<br />

• assistance with<br />

employment search<br />

• job fairs<br />

• accredited tra<strong>in</strong><strong>in</strong>g<br />

programs<br />

• cook<strong>in</strong>g classes<br />

• tax help<br />

• rent assistance<br />

• health care<br />

• child care<br />

• youth programs<br />

• emergency shelter<br />

• programs for<br />

expect<strong>in</strong>g or new<br />

mothers


hile this year marks the 25th Anniversary<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> the <strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food<br />

Banks, food banks have been key service<br />

providers <strong>in</strong> communities across the<br />

prov<strong>in</strong>ce for nearly 40 years. Initially, food Wbanks were <strong>in</strong>tended to be a temporary soluti<strong>on</strong> to hunger<br />

while the government developed l<strong>on</strong>g-term policies <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

programs to address poverty.<br />

Unfortunately, this soluti<strong>on</strong> has not<br />

yet been found <str<strong>on</strong>g>and</str<strong>on</strong>g> food banks are now<br />

an established part <str<strong>on</strong>g>of</str<strong>on</strong>g> every community<br />

that provide an essential service to<br />

almost half a milli<strong>on</strong> adults, children<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> seniors every year. Although many<br />

food banks started as small community<br />

food cupboards <str<strong>on</strong>g>and</str<strong>on</strong>g> church-run<br />

pantries, over the last four decades,<br />

they have evolved <strong>in</strong>to multi-service<br />

agencies that provide both emergency<br />

food support <str<strong>on</strong>g>and</str<strong>on</strong>g> a myriad <str<strong>on</strong>g>of</str<strong>on</strong>g> programs<br />

to further assist adults <str<strong>on</strong>g>and</str<strong>on</strong>g> families <strong>in</strong><br />

need. With<strong>in</strong> the OAFB network, 97 per<br />

cent <str<strong>on</strong>g>of</str<strong>on</strong>g> direct member food banks <str<strong>on</strong>g>of</str<strong>on</strong>g>fer<br />

at least <strong>on</strong>e additi<strong>on</strong>al program bey<strong>on</strong>d<br />

food support.<br />

In recogniz<strong>in</strong>g the current trend <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

impact that ris<strong>in</strong>g hous<strong>in</strong>g costs are<br />

hav<strong>in</strong>g <strong>on</strong> low <strong>in</strong>come families, many<br />

food banks have started to <str<strong>on</strong>g>of</str<strong>on</strong>g>fer rental<br />

assistance <str<strong>on</strong>g>and</str<strong>on</strong>g> subsidy programs.<br />

Through these service, food banks help<br />

families <strong>in</strong> need avoid evicti<strong>on</strong> by either<br />

pay<strong>in</strong>g a porti<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> their rent or overdue<br />

bills related to hous<strong>in</strong>g costs, like heat<br />

or hydro.<br />

Some <str<strong>on</strong>g>of</str<strong>on</strong>g> the food banks <strong>in</strong> the OAFB<br />

network that are currently <str<strong>on</strong>g>of</str<strong>on</strong>g>fer<strong>in</strong>g<br />

these types <str<strong>on</strong>g>of</str<strong>on</strong>g> programs <strong>in</strong>clude: the<br />

Inn <str<strong>on</strong>g>of</str<strong>on</strong>g> the Good Shepherd <strong>in</strong> Sarnia, East<br />

Well<strong>in</strong>gt<strong>on</strong> Community Services, <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> Grimsby Benevolent Fund, whose<br />

stories can be found <strong>on</strong> the follow<strong>in</strong>g<br />

pages.<br />

Prov<strong>in</strong>cially, the <strong>Ontario</strong> Associati<strong>on</strong><br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> Food Banks is mak<strong>in</strong>g significant<br />

<strong>in</strong>vestments <strong>in</strong>to build<strong>in</strong>g the capacity<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> <str<strong>on</strong>g>its</str<strong>on</strong>g> food banks to both accept <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

store fresh food, as well as develop<br />

additi<strong>on</strong>al programs for children <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

families <strong>in</strong> need.<br />

Last year al<strong>on</strong>e, the OAFB provided<br />

the equivalent <str<strong>on</strong>g>of</str<strong>on</strong>g> 5,000,000 meals<br />

to food banks <str<strong>on</strong>g>and</str<strong>on</strong>g> the families they<br />

serve, as well as over $100,000 to<br />

local food programs <str<strong>on</strong>g>and</str<strong>on</strong>g> capacity<br />

build<strong>in</strong>g <strong>in</strong>itiatives. For the third year <strong>in</strong><br />

a row, over 60 per cent <str<strong>on</strong>g>of</str<strong>on</strong>g> the product<br />

distributed by the <strong>Ontario</strong> Associati<strong>on</strong><br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> Food Banks has been fresh or frozen,<br />

ensur<strong>in</strong>g that healthy food is accessible<br />

across the prov<strong>in</strong>ce to those who need<br />

it most.<br />

23


<str<strong>on</strong>g>The</str<strong>on</strong>g> Grimsby<br />

Benevolent<br />

Fund<br />

Help<strong>in</strong>g people with their m<strong>on</strong>thly<br />

hous<strong>in</strong>g needs is also addressed<br />

through our food bank, truly the<br />

cornerst<strong>on</strong>e <str<strong>on</strong>g>of</str<strong>on</strong>g> our service to our<br />

clients. By <str<strong>on</strong>g>of</str<strong>on</strong>g>fer<strong>in</strong>g healthy, nutriti<strong>on</strong>al<br />

choices, <strong>in</strong>clud<strong>in</strong>g fresh fruit <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

vegetables, bread, <str<strong>on</strong>g>and</str<strong>on</strong>g> dairy products,<br />

we are able to c<strong>on</strong>tribute to <strong>in</strong>creas<strong>in</strong>g<br />

the quality <str<strong>on</strong>g>of</str<strong>on</strong>g> life <strong>in</strong> our community.<br />

ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

or far too many people <strong>in</strong> our<br />

community, f<strong>in</strong>ancial security<br />

is unreachable. <str<strong>on</strong>g>The</str<strong>on</strong>g> high cost<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> liv<strong>in</strong>g <strong>in</strong> <strong>Ontario</strong>, comb<strong>in</strong>ed Fwith a lack <str<strong>on</strong>g>of</str<strong>on</strong>g> affordable hous<strong>in</strong>g, can<br />

make it impossible for families or<br />

<strong>in</strong>dividuals to make ends meet <strong>on</strong> a<br />

m<strong>on</strong>thly basis. In these times, people<br />

f<strong>in</strong>d themselves mak<strong>in</strong>g <strong>in</strong>credibly<br />

difficult decisi<strong>on</strong>s.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> GBF Community Services aims to<br />

help people with these tough choices, to<br />

relieve some stress caused by f<strong>in</strong>ancial<br />

difficulty, provide compassi<strong>on</strong>, hope,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> material assistance.<br />

Our Rental Assistance Program<br />

provides low-<strong>in</strong>come households with<br />

f<strong>in</strong>ancial assistance to ensure their<br />

m<strong>on</strong>thly rent is paid. We are able to<br />

provide this type <str<strong>on</strong>g>of</str<strong>on</strong>g> assistance through<br />

generous community support <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

dedicated volunteers.<br />

To date, we have c<strong>on</strong>tributed over<br />

$125,000 <strong>in</strong> hous<strong>in</strong>g assistance. This<br />

means 50 households <strong>in</strong> the community<br />

are receiv<strong>in</strong>g a m<strong>on</strong>thly rent supplement.<br />

This is a huge weight <str<strong>on</strong>g>of</str<strong>on</strong>g>f the shoulders<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> the <strong>in</strong>dividuals <str<strong>on</strong>g>and</str<strong>on</strong>g> families who are<br />

receiv<strong>in</strong>g the assistance.<br />

We are help<strong>in</strong>g people <strong>in</strong> our<br />

community to meet their basic needs<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> become self-sufficient. Without<br />

secure, affordable hous<strong>in</strong>g or access to<br />

healthy food, families <str<strong>on</strong>g>and</str<strong>on</strong>g> <strong>in</strong>dividuals<br />

cannot survive <strong>on</strong> a m<strong>on</strong>th-to-m<strong>on</strong>th<br />

basis. <str<strong>on</strong>g>The</str<strong>on</strong>g> genu<strong>in</strong>e acts <str<strong>on</strong>g>of</str<strong>on</strong>g> k<strong>in</strong>dness<br />

<strong>in</strong> our community are mak<strong>in</strong>g all the<br />

difference <strong>in</strong> the lives <str<strong>on</strong>g>of</str<strong>on</strong>g> our neighbours<br />

<strong>in</strong> need <str<strong>on</strong>g>of</str<strong>on</strong>g> assistance.<br />

Client Testim<strong>on</strong>ials<br />

“I f<strong>in</strong>d it difficult to pay my m<strong>on</strong>thly<br />

expenses <strong>on</strong> time due to my low<br />

<strong>in</strong>come, <str<strong>on</strong>g>and</str<strong>on</strong>g> <strong>in</strong>ability to work<br />

because <str<strong>on</strong>g>of</str<strong>on</strong>g> a disability.”<br />

“This assistance helps me provide<br />

a safe <str<strong>on</strong>g>and</str<strong>on</strong>g> clean envir<strong>on</strong>ment for<br />

my s<strong>on</strong>.”<br />

“I was so desperate for assistance,<br />

now I can see a light at the end <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

the (f<strong>in</strong>ancial) tunnel.”<br />

“I couldn’t have come this far<br />

without the guidance from the<br />

staff <str<strong>on</strong>g>and</str<strong>on</strong>g> volunteers at GBF.”<br />

24


<str<strong>on</strong>g>The</str<strong>on</strong>g> Carr<br />

Family’s Story<br />

GRIMSBY BENEVOLENT FUND<br />

guilty or embarrassed. <str<strong>on</strong>g>The</str<strong>on</strong>g>y underst<str<strong>on</strong>g>and</str<strong>on</strong>g><br />

difficult times can happen to good<br />

people,” said Kelly.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> Carr-Scarbo family embraces<br />

all programs <str<strong>on</strong>g>of</str<strong>on</strong>g>fered to them through<br />

the GBF Community Services. <str<strong>on</strong>g>The</str<strong>on</strong>g>ir<br />

family is grateful to be supported by the<br />

Rent Supplement Program -- a m<strong>on</strong>thly<br />

supplement that ensures they have a<br />

home to go to at the end <str<strong>on</strong>g>of</str<strong>on</strong>g> each day. It<br />

also allows them to work <str<strong>on</strong>g>and</str<strong>on</strong>g> raise their<br />

daughter <strong>in</strong> the town <str<strong>on</strong>g>of</str<strong>on</strong>g> Grimsby that<br />

they all love so much.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> Carr-Scarbo family had<br />

a very hard time ask<strong>in</strong>g for<br />

assistance when they moved<br />

to Grimsby <strong>in</strong> 2014. <str<strong>on</strong>g>The</str<strong>on</strong>g>y had<br />

m<strong>in</strong>imal items <str<strong>on</strong>g>and</str<strong>on</strong>g> were beg<strong>in</strong>n<strong>in</strong>g a<br />

new life for their family. Doug worked<br />

two jobs to provide for his family <strong>in</strong> this<br />

time <str<strong>on</strong>g>of</str<strong>on</strong>g> transiti<strong>on</strong>, but it was not always<br />

enough.<br />

Both Kelly <str<strong>on</strong>g>and</str<strong>on</strong>g> Doug were prepared<br />

to have less <strong>in</strong> order to provide a better<br />

life for their daughter Elexus. As lov<strong>in</strong>g<br />

parents, their <strong>on</strong>ly wish was to have the<br />

ability to provide a home <str<strong>on</strong>g>and</str<strong>on</strong>g> all the<br />

necessities <str<strong>on</strong>g>of</str<strong>on</strong>g> life for their beautiful<br />

daughter. Sacrifice or not, noth<strong>in</strong>g else<br />

really mattered to them.<br />

“Ask<strong>in</strong>g for help is the hardest<br />

th<strong>in</strong>g to do. But nobody at<br />

GBF made us feel guilty or<br />

embarrassed. <str<strong>on</strong>g>The</str<strong>on</strong>g>y underst<str<strong>on</strong>g>and</str<strong>on</strong>g><br />

difficult times can happen to<br />

good people.”<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g>y are proud to have met many<br />

people at GBF <str<strong>on</strong>g>and</str<strong>on</strong>g> are so very grateful<br />

for the assistance they have received <strong>in</strong><br />

various areas <str<strong>on</strong>g>of</str<strong>on</strong>g> their life, be it hous<strong>in</strong>g,<br />

food or utility f<strong>in</strong>ancial support.<br />

It is <strong>in</strong> Doug <str<strong>on</strong>g>and</str<strong>on</strong>g> Kelly’s nature to<br />

care for others, hav<strong>in</strong>g previously been<br />

generous <strong>in</strong> their own d<strong>on</strong>ati<strong>on</strong>s to<br />

GBF <str<strong>on</strong>g>and</str<strong>on</strong>g> other similar organizati<strong>on</strong>s.<br />

Every<strong>on</strong>e at GBF is proud <str<strong>on</strong>g>of</str<strong>on</strong>g> this<br />

remarkable family <str<strong>on</strong>g>and</str<strong>on</strong>g> how they have<br />

embraced the services shared by GBF<br />

Community Services.<br />

“Ask<strong>in</strong>g for help is the hardest th<strong>in</strong>g<br />

to do. But nobody at GBF made us feel<br />

25


Nancy’s Story<br />

INN OF THE GOOD SHEPHARD, SARNIA<br />

I was do<strong>in</strong>g everyth<strong>in</strong>g I could to keep<br />

balance <strong>in</strong> the family, try<strong>in</strong>g to curb<br />

my emoti<strong>on</strong>s, <str<strong>on</strong>g>and</str<strong>on</strong>g> help my children<br />

with school <str<strong>on</strong>g>and</str<strong>on</strong>g> their social activities.<br />

M<strong>on</strong>ey became an issue. Stewart had<br />

moved out <str<strong>on</strong>g>of</str<strong>on</strong>g> our rental unit, <str<strong>on</strong>g>and</str<strong>on</strong>g> was<br />

not provid<strong>in</strong>g much f<strong>in</strong>ancial support.<br />

Our separati<strong>on</strong> was <strong>in</strong> the h<str<strong>on</strong>g>and</str<strong>on</strong>g>s <str<strong>on</strong>g>of</str<strong>on</strong>g> the<br />

lawyers. I was not work<strong>in</strong>g still.<br />

ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

My name is Nancy, <str<strong>on</strong>g>and</str<strong>on</strong>g> this<br />

is my story. I am a s<strong>in</strong>gle<br />

mother <str<strong>on</strong>g>of</str<strong>on</strong>g> two girls, liv<strong>in</strong>g<br />

<strong>in</strong> Sarnia. I wasn’t always<br />

s<strong>in</strong>gle – I had been married to Stewart.<br />

Stewart was employed full time at<br />

a local <strong>in</strong>dustry, work<strong>in</strong>g shifts, <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

was progress<strong>in</strong>g up the management<br />

ladder. I was not work<strong>in</strong>g, as I was<br />

hav<strong>in</strong>g difficulty f<strong>in</strong>d<strong>in</strong>g a job.<br />

Stewart <str<strong>on</strong>g>and</str<strong>on</strong>g> I separated due to<br />

irrec<strong>on</strong>cilable differences. It wasn’t<br />

an amicable separati<strong>on</strong>. We were both<br />

angry <str<strong>on</strong>g>and</str<strong>on</strong>g> hurt. Emoti<strong>on</strong>s ran high,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> the children were witness to many<br />

arguments, name call<strong>in</strong>g, <str<strong>on</strong>g>and</str<strong>on</strong>g> loud<br />

yell<strong>in</strong>g. <str<strong>on</strong>g>The</str<strong>on</strong>g> girls started withdraw<strong>in</strong>g<br />

from friends <str<strong>on</strong>g>and</str<strong>on</strong>g> school grades were<br />

decl<strong>in</strong><strong>in</strong>g.<br />

I started fail<strong>in</strong>g to pay my rent<br />

payments. Should I move? <str<strong>on</strong>g>The</str<strong>on</strong>g> children<br />

didn’t want to leave their school <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

friends. I tried discuss<strong>in</strong>g opti<strong>on</strong>s with<br />

my l<str<strong>on</strong>g>and</str<strong>on</strong>g>lord, but he wanted the full<br />

rent payment to avoid evicti<strong>on</strong>. I was<br />

scared, <str<strong>on</strong>g>and</str<strong>on</strong>g> had no <strong>on</strong>e to turn to. My<br />

parents lived <strong>in</strong> Calgary, <str<strong>on</strong>g>and</str<strong>on</strong>g> struggled<br />

with their own f<strong>in</strong>ancial resp<strong>on</strong>sibilities<br />

as pensi<strong>on</strong>ers.<br />

“<str<strong>on</strong>g>The</str<strong>on</strong>g> Inn was able to assist me<br />

with a porti<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> my overdue<br />

rent payment. <str<strong>on</strong>g>The</str<strong>on</strong>g> <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g><br />

worker c<strong>on</strong>tacted my l<str<strong>on</strong>g>and</str<strong>on</strong>g>lord<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> expla<strong>in</strong>ed the assistance<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> budget now <strong>in</strong> place, to<br />

avoid evicti<strong>on</strong>. <str<strong>on</strong>g>The</str<strong>on</strong>g> l<str<strong>on</strong>g>and</str<strong>on</strong>g>lord<br />

accepted the plans <str<strong>on</strong>g>and</str<strong>on</strong>g> I will<br />

rema<strong>in</strong> <strong>in</strong> my home.”<br />

I started us<strong>in</strong>g the local food bank,<br />

hop<strong>in</strong>g to save m<strong>on</strong>ey to help with my<br />

rent payments. <str<strong>on</strong>g>The</str<strong>on</strong>g> food bank allowed<br />

me access every 21 days. It helped,<br />

but other crises started occurr<strong>in</strong>g. My<br />

car now needed repairs. My children<br />

attended after-school programs that<br />

26


equired me to drive them to various<br />

locati<strong>on</strong>s <strong>in</strong> the city. I needed f<strong>in</strong>ancial<br />

assistance until I could secure a job <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

my divorce f<strong>in</strong>alized, so my husb<str<strong>on</strong>g>and</str<strong>on</strong>g><br />

would pay support payments.<br />

Becky’s Story<br />

EAST WELLINGTON COMMUNITY<br />

SERVICES<br />

I called <str<strong>on</strong>g>and</str<strong>on</strong>g> made an appo<strong>in</strong>tment<br />

at <str<strong>on</strong>g>The</str<strong>on</strong>g> Inn <str<strong>on</strong>g>of</str<strong>on</strong>g> <str<strong>on</strong>g>The</str<strong>on</strong>g> Good Shepherd to<br />

expla<strong>in</strong> my situati<strong>on</strong> <str<strong>on</strong>g>and</str<strong>on</strong>g> determ<strong>in</strong>e<br />

any help available. I had been given an<br />

evicti<strong>on</strong> notice from the l<str<strong>on</strong>g>and</str<strong>on</strong>g>lord. Life<br />

was spirall<strong>in</strong>g out <str<strong>on</strong>g>of</str<strong>on</strong>g> c<strong>on</strong>trol.<br />

I met with the <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> Assistance<br />

worker, <str<strong>on</strong>g>and</str<strong>on</strong>g> they created a budget<br />

for me to follow. <str<strong>on</strong>g>The</str<strong>on</strong>g> Inn was able to<br />

assist me with a porti<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> my overdue<br />

rent payment. <str<strong>on</strong>g>The</str<strong>on</strong>g> <str<strong>on</strong>g>Hous<strong>in</strong>g</str<strong>on</strong>g> worker<br />

c<strong>on</strong>tacted my l<str<strong>on</strong>g>and</str<strong>on</strong>g>lord <str<strong>on</strong>g>and</str<strong>on</strong>g> expla<strong>in</strong>ed<br />

the assistance <str<strong>on</strong>g>and</str<strong>on</strong>g> budget now <strong>in</strong> place,<br />

to avoid evicti<strong>on</strong>. <str<strong>on</strong>g>The</str<strong>on</strong>g> l<str<strong>on</strong>g>and</str<strong>on</strong>g>lord accepted<br />

the plans <str<strong>on</strong>g>and</str<strong>on</strong>g> I will rema<strong>in</strong> <strong>in</strong> my home. I<br />

will c<strong>on</strong>t<strong>in</strong>ue to use <str<strong>on</strong>g>The</str<strong>on</strong>g> Inn’s food bank.<br />

I also know that the soup kitchen will<br />

provide me <str<strong>on</strong>g>and</str<strong>on</strong>g> my girls with a hot meal<br />

when needed.<br />

I am an example <str<strong>on</strong>g>of</str<strong>on</strong>g> everyday life go<strong>in</strong>g<br />

sideways. Life can take twists <str<strong>on</strong>g>and</str<strong>on</strong>g> turns<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> create obstacles <strong>in</strong> which we must<br />

reach out for help. I am thankful for the<br />

assistance provided to me.<br />

had a great childhood. My dad<br />

worked, my mom stayed home<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> did day care. My brother <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

I participated <strong>in</strong> pizza days at Ischool, dance class, swimm<strong>in</strong>g, karate<br />

less<strong>on</strong>s. We were ‘normal’ – the average<br />

family.<br />

When I turned 10, my parents<br />

separated. My dad moved out, <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

struggled with addicti<strong>on</strong>s. My childhood<br />

home was sold. My mom, brother <str<strong>on</strong>g>and</str<strong>on</strong>g> I<br />

moved to a new community <str<strong>on</strong>g>and</str<strong>on</strong>g> <strong>in</strong>to an<br />

apartment. My mom started work<strong>in</strong>g,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> my brother <str<strong>on</strong>g>and</str<strong>on</strong>g> I started at new<br />

schools. It was hard! A completely new<br />

life – my world turned upside down. My<br />

brother <str<strong>on</strong>g>and</str<strong>on</strong>g> I were c<strong>on</strong>cerned about the<br />

small th<strong>in</strong>gs that seemed like the end<br />

<str<strong>on</strong>g>of</str<strong>on</strong>g> the world at the time.<br />

Now, as a wife <str<strong>on</strong>g>and</str<strong>on</strong>g> mother, I can look<br />

back <str<strong>on</strong>g>and</str<strong>on</strong>g> see that what was a hard<br />

change for me was <strong>in</strong>surmountable<br />

for my mom. A s<strong>in</strong>gle parent, work<strong>in</strong>g<br />

27


ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

a full-time job <str<strong>on</strong>g>and</str<strong>on</strong>g> try<strong>in</strong>g her best to<br />

provide the same opportunities to her<br />

children who didn’t fully underst<str<strong>on</strong>g>and</str<strong>on</strong>g> why<br />

the change happened <str<strong>on</strong>g>and</str<strong>on</strong>g> that m<strong>on</strong>ey<br />

doesn’t grow <strong>on</strong> trees.<br />

When I look back, I can’t help but<br />

th<strong>in</strong>k how differently th<strong>in</strong>gs might have<br />

g<strong>on</strong>e if car<strong>in</strong>g people hadn’t existed<br />

<strong>in</strong> the communities that we l<str<strong>on</strong>g>and</str<strong>on</strong>g>ed.<br />

My life experiences def<strong>in</strong>itely shaped<br />

the pers<strong>on</strong> I am today <str<strong>on</strong>g>and</str<strong>on</strong>g> steered me<br />

<strong>in</strong>to my pr<str<strong>on</strong>g>of</str<strong>on</strong>g>essi<strong>on</strong>. Through my work, I<br />

can now appreciate that it took special<br />

people, organizati<strong>on</strong>s, communities, as<br />

well as an extraord<strong>in</strong>arily courageous<br />

mom to shape the pers<strong>on</strong> I am today.<br />

“I remember com<strong>in</strong>g to the<br />

realizati<strong>on</strong> that if so many<br />

people <strong>in</strong> my community <str<strong>on</strong>g>and</str<strong>on</strong>g> <strong>in</strong><br />

my life thought I was worth all<br />

the effort, extra k<strong>in</strong>dness <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

special gifts – then I was, <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

that I would not let them down.”<br />

I can recall ph<strong>on</strong>e calls to distress<br />

l<strong>in</strong>es <strong>in</strong> the middle <str<strong>on</strong>g>of</str<strong>on</strong>g> the night when<br />

all <str<strong>on</strong>g>of</str<strong>on</strong>g> the “what if’s” float through your<br />

head <str<strong>on</strong>g>and</str<strong>on</strong>g> the night can feel so l<strong>on</strong>ely<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> isolat<strong>in</strong>g. I remember go<strong>in</strong>g to food<br />

banks <strong>in</strong> Brampt<strong>on</strong>, Georgetown, Er<strong>in</strong><br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> Owen Sound.<br />

I f<strong>on</strong>dly remember be<strong>in</strong>g so excited<br />

when staff at the food bank told me<br />

to go ahead <str<strong>on</strong>g>and</str<strong>on</strong>g> pick out mittens<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> scarves from the basket. I now<br />

underst<str<strong>on</strong>g>and</str<strong>on</strong>g> that they were lov<strong>in</strong>gly knit<br />

by groups <str<strong>on</strong>g>of</str<strong>on</strong>g> senior ladies with names<br />

like the “Knotty Knitters <str<strong>on</strong>g>and</str<strong>on</strong>g> In Stitches.”<br />

I remember w<strong>on</strong>der<strong>in</strong>g how my mom<br />

found the m<strong>on</strong>ey for backpacks filled<br />

with everyth<strong>in</strong>g to be successful at the<br />

start <str<strong>on</strong>g>of</str<strong>on</strong>g> each school year.<br />

I remember complet<strong>in</strong>g a ‘wish list’<br />

with my mom <strong>on</strong>e year – not<br />

underst<str<strong>on</strong>g>and</str<strong>on</strong>g><strong>in</strong>g that the wish list would<br />

be submitted to a local organizati<strong>on</strong>’s<br />

Christmas Gift Hamper Program.<br />

I remember wak<strong>in</strong>g up Christmas<br />

morn<strong>in</strong>g to f<strong>in</strong>d everyth<strong>in</strong>g that I had<br />

asked for lov<strong>in</strong>gly wrapped <str<strong>on</strong>g>and</str<strong>on</strong>g> under<br />

our tree, despite my mom tell<strong>in</strong>g me<br />

through tears that Christmas would be<br />

small that year <str<strong>on</strong>g>and</str<strong>on</strong>g> to not get my hopes<br />

up.<br />

Most importantly, I remember com<strong>in</strong>g<br />

to the realizati<strong>on</strong> that if so many people<br />

<strong>in</strong> my community <str<strong>on</strong>g>and</str<strong>on</strong>g> <strong>in</strong> my life thought<br />

I was worth all the effort, extra k<strong>in</strong>dness<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> special gifts – then I was <str<strong>on</strong>g>and</str<strong>on</strong>g> that I<br />

would not let them down.<br />

I have spent my adult life pay<strong>in</strong>g it<br />

forward <str<strong>on</strong>g>and</str<strong>on</strong>g> try<strong>in</strong>g to create the same<br />

hope <str<strong>on</strong>g>and</str<strong>on</strong>g> assurance <strong>in</strong> others that they<br />

are also worth the sec<strong>on</strong>d thought,<br />

extra effort <str<strong>on</strong>g>and</str<strong>on</strong>g> the extra jar <str<strong>on</strong>g>of</str<strong>on</strong>g> peanut<br />

butter at the grocery store.<br />

I have been successful because<br />

communities that care c<strong>on</strong>t<strong>in</strong>ue to exist,<br />

c<strong>on</strong>t<strong>in</strong>ue to give <str<strong>on</strong>g>and</str<strong>on</strong>g> c<strong>on</strong>t<strong>in</strong>ue speak up<br />

<strong>on</strong> behalf <str<strong>on</strong>g>of</str<strong>on</strong>g> those who are struggl<strong>in</strong>g<br />

to f<strong>in</strong>d work, hous<strong>in</strong>g, childcare <str<strong>on</strong>g>and</str<strong>on</strong>g> a<br />

reas<strong>on</strong> to not give up hope.<br />

28


Build<strong>in</strong>g ON<br />

ood banks <strong>in</strong> <strong>Ontario</strong> provide so much more than<br />

emergency food support – they are active leaders<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> advocates with<strong>in</strong> their communities. As a<br />

network <str<strong>on</strong>g>of</str<strong>on</strong>g> 128 food banks, <str<strong>on</strong>g>and</str<strong>on</strong>g> 1,100 hungerrelief<br />

agencies, the <strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food FBanks recognizes that hunger is the result <str<strong>on</strong>g>of</str<strong>on</strong>g> <strong>in</strong>sufficient<br />

<strong>in</strong>come <str<strong>on</strong>g>and</str<strong>on</strong>g> the ris<strong>in</strong>g cost <str<strong>on</strong>g>of</str<strong>on</strong>g> basic needs.<br />

Ensur<strong>in</strong>g that every child has a safe<br />

place to sleep, that senior citizens do<br />

not have to worry about homelessness,<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> that adults have the ability to live<br />

<strong>in</strong>dependently, should be the priority <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

all levels <str<strong>on</strong>g>of</str<strong>on</strong>g> government.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> <strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food<br />

Banks recommends that the prov<strong>in</strong>cial<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> federal governments work to<br />

implement the portable hous<strong>in</strong>g benefit<br />

as so<strong>on</strong> as possible so that more<br />

Ontarians will be able to live safely <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

with dignity <strong>in</strong> a home that meets their<br />

most basic needs. Al<strong>on</strong>gside this, the<br />

<strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food Banks<br />

recommends, as detailed <strong>in</strong> the 2016<br />

<str<strong>on</strong>g>Hunger</str<strong>on</strong>g> <str<strong>on</strong>g>Report</str<strong>on</strong>g>, that the Government <str<strong>on</strong>g>of</str<strong>on</strong>g><br />

<strong>Ontario</strong> <strong>in</strong>crease the support available<br />

through <strong>Ontario</strong> Works <str<strong>on</strong>g>and</str<strong>on</strong>g> the <strong>Ontario</strong><br />

Disability Support Program to reflect<br />

the ris<strong>in</strong>g cost <str<strong>on</strong>g>of</str<strong>on</strong>g> liv<strong>in</strong>g, <strong>in</strong>clusive <str<strong>on</strong>g>of</str<strong>on</strong>g> rent<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> food.<br />

Through immediate acti<strong>on</strong> <str<strong>on</strong>g>and</str<strong>on</strong>g> with<br />

updates to social assistance <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

affordable hous<strong>in</strong>g, we can build a<br />

str<strong>on</strong>ger, more <strong>in</strong>clusive prov<strong>in</strong>ce.<br />

Together, we can create a hunger-free<br />

<strong>Ontario</strong>.<br />

Visit www.oafb.ca to learn<br />

how you can alleviate<br />

hunger <strong>in</strong> your community.<br />

• Educate: Talk to friends, family<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> co-workers about the root<br />

causes <str<strong>on</strong>g>of</str<strong>on</strong>g> hunger <str<strong>on</strong>g>and</str<strong>on</strong>g> how we<br />

can solve them<br />

• Advocate: Let your MPP <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

MP know that end<strong>in</strong>g hunger<br />

is a priority for you<br />

• Volunteer: Lend your time <str<strong>on</strong>g>and</str<strong>on</strong>g><br />

talents to your local food bank<br />

• D<strong>on</strong>ate: For every $1 you<br />

d<strong>on</strong>ate, we can provide the<br />

equivalent <str<strong>on</strong>g>of</str<strong>on</strong>g> 3 meals to<br />

some<strong>on</strong>e <strong>in</strong> need<br />

29


ONTARIO ASSOCIATION OF FOOD BANKS HUNGER REPORT <str<strong>on</strong>g>2017</str<strong>on</strong>g><br />

Works Cited<br />

1. Ke, J. & Ford-J<strong>on</strong>es, E.L. (2015, March). Food <strong>in</strong>security<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> hunger: A review <str<strong>on</strong>g>of</str<strong>on</strong>g> the effects <strong>on</strong> children’s health<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> behaviour. Paediatrics & Child Health, 20(2), 89-91.<br />

Retrieved from: https://www.ncbi.nlm.nih.gov/pmc/articles/<br />

PMC4373582/<br />

2. Statistics Canada. (<str<strong>on</strong>g>2017</str<strong>on</strong>g>, August 2). Families, households<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> marital status: Key results from the 2016 Census.<br />

<str<strong>on</strong>g>The</str<strong>on</strong>g> Daily. Retrieved from: http://www.statcan.gc.ca/dailyquotidien/170802/dq170802a-eng.htm<br />

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31


Authors<br />

Ashley Quan<br />

Am<str<strong>on</strong>g>and</str<strong>on</strong>g>a K<strong>in</strong>g<br />

Er<strong>in</strong> Fother<strong>in</strong>gham<br />

Research Assistance <str<strong>on</strong>g>and</str<strong>on</strong>g> Edit<strong>in</strong>g Support<br />

Carolyn Stewart<br />

Claire Ward-Beveridge<br />

Rachel Dix<strong>on</strong><br />

Design<br />

Ashley Quan<br />

Special Thank You To<br />

Richard Matern, Daily Bread Food Bank<br />

Benita Aalto, Daily Bread Food Bank<br />

Dr. Mari<strong>on</strong> Steele, Department <str<strong>on</strong>g>of</str<strong>on</strong>g> Ec<strong>on</strong>omics<br />

<str<strong>on</strong>g>and</str<strong>on</strong>g> F<strong>in</strong>ance, University <str<strong>on</strong>g>of</str<strong>on</strong>g> Guelph<br />

<strong>Ontario</strong> Associati<strong>on</strong> <str<strong>on</strong>g>of</str<strong>on</strong>g> Food Banks<br />

555 Richm<strong>on</strong>d Street West<br />

Suite 501, P.O. Box 1108<br />

Tor<strong>on</strong>to, <strong>Ontario</strong>, M5V 3B1<br />

www.oafb.ca | 416-656-4100

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