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In July 2025, the Canadian government is offering a one-time $600 top-up to the Canada Housing Benefit (CHB) to assist low-income renters facing rising housing costs. This initiative aims to provide immediate financial relief amid ongoing affordability challenges.
Key Details of the $600 CHB Top-Up
| Feature | Details |
|---|---|
| Top-Up Amount | $600 one-time payment |
| Payment Start Date | July 15, 2025 |
| Administered By | Canada Revenue Agency (CRA) |
| Application Method | Online via CRA My Account |
| Eligibility Review | June–July 2025 |
| Income Threshold | Varies by province and household size |
| Rent-to-Income Ratio | Must spend at least 30% of adjusted family net income on rent |
| Residency Requirement | Must be a Canadian resident for tax purposes |
| Age Requirement | At least 15 years old as of July 1, 2025 |
| Tax Filing Requirement | Must have filed the 2024 tax return |
Eligibility Criteria
To qualify for the $600 CHB top-up, applicants must meet the following conditions:
- Age: At least 15 years old as of July 1, 2025.
- Residency: Canadian resident for tax purposes.
- Tax Filing: Filed the 2024 tax return.
- Income: Total household income below specific thresholds, varying by province and household size.
- Rent Burden: Spend at least 30% of adjusted family net income on rent.
These criteria ensure that the benefit targets those most in need of housing assistance.
Application Process
Applications open on July 5, 2025, through the CRA’s My Account portal. Applicants must provide:
- Proof of rent paid in 2024 (e.g., lease agreements or rent receipts).
- 2024 tax return information.
- Government-issued identification for verification.
It’s crucial to apply promptly, as the $600 top-up is a limited-time offer.
Importance of the CHB Top-Up
With inflation and housing costs rising, especially in urban centers like Toronto and Vancouver, the $600 CHB top-up provides essential support to low-income renters.
This measure is part of the government’s broader strategy to enhance housing affordability and prevent homelessness.
The $600 Canada Housing Benefit top-up in July 2025 offers timely assistance to renters grappling with high housing costs.
Eligible individuals should prepare their documentation and apply promptly through the CRA’s My Account portal to secure this financial support.
FAQs
When will the $600 CHB top-up be distributed?
Payments will begin on July 15, 2025, for eligible applicants who have completed their applications.
How do I apply for the CHB top-up?
Applications can be submitted online via the CRA My Account portal starting July 5, 2025. Ensure you have all necessary documentation ready.
Is the $600 CHB top-up taxable income?
No, the $600 payment is a tax-free benefit and does not need to be reported as income.