• Canada should tie social housing affordability to properties rather than mortgages, with long-term operating support extending beyond loan repayment.
• Federal investment of $13 billion targets at least 26,000 homes over five years through the Maisons Canada initiative.
• More than 300,000 households need social housing, up 22% from 2018.
• Some 45% of social housing built before 1980 is in fair or poor condition, highlighting mounting maintenance pressures.
• A national building fund could redirect financially viable properties’ surpluses toward major repairs, supported by permanent operating subsidies for deeply affordable housing.

Disclaimer: This news brief was created by Public Technologies (PUBT) using generative artificial intelligence. While PUBT strives to provide accurate and timely information, this AI-generated content is for informational purposes only and should not be interpreted as financial, investment, or legal advice. RBC - Royal Bank of Canada published the original content used to generate this news brief on October 20, 2026, and is solely responsible for the information contained therein.