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Table 3
Cross-sectional and longitudinal rates of exceeding the affordability benchmark

  Cross-sectional Longitudinal
2002 2003 2004 Ever Persistently
%
Both sexes 19.4 19.6 20.0 28.1 8.6
Men 18.5 18.6 19.2 26.5 7.6
Women 20.3 20.6 20.8 29.7 9.6
0 to 19 years old 21.5 21.5 21.9 30.7 9.8
20 to 29 years old 21.3 21.6 21.7 33.1 6.5
30 to 49 years old 19.3 19.9 20.3 28.1 8.7
50 to 64 years old 16.9 16.9 17.7 23.5 7.9
65 years old or more 16.8 17.0 16.9 24.4 9.3
Owners, with mortgage 21.5 22.0 23.1 30.5 10.2
Owners, without mortgage 3.5 3.6 4.0 5.9 1.1
Owners, change in mortgage status ... ... ... 24.9 0.8
Renters, market 32.0 38.4 34.3 43.1 19.2
Renters, subsidized 33.9 32.7 33.1 45.1 15.1
Renters, change in subsidy status ... ... ... 56.4 24.3
Changed tenure ... ... ... 42.8 6.5
Ottawa-Gatineau 16.1 20.6 19.4 23.8 7.3
Toronto 23.9 25.2 28.9 36.0 11.9
Vancouver 30.7 30.3 33.1 44.0 16.4
Montréal 20.8 17.2 17.4 25.3 9.0
Calgary 15.3 21.3 18.6 26.8 8.1
Edmonton 16.7 16.4 13.7 24.9 5.5
Victoria 22.2 23.5 21.7 30.5 8.8
Other CMAs 18.0 17.9 17.3 24.8 7.5
Rural 13.4 14.1 14.8 20.5 5.7
Moved between these places ... ... ... 41.4 6.6
Married, without children 11.7 11.8 11.6 16.0 4.2
Married, with children 15.8 16.5 17.5 24.3 7.3
Unattached individual 40.9 41.3 41.6 46.9 22.9
Female lone parent 48.6 45.2 44.2 57.4 27.6
Male lone parent 27.8 24.8 27.4 25.7 12.8
Other family type 17.7 18.2 18.5 23.6 5.3
Changed family type ... ... ... 38.6 7.1
Disabled 23.1 22.6 23.4 30.1 10.5
Not disabled 17.5 17.8 18.1 25.8 6.8
Aboriginal 23.6 25.2 23.4 36.7 10.4
Non-aboriginal 18.6 18.7 19.1 27.0 8.0
Visible minority 28.6 29.8 31.3 43.7 13.2
Not visible minority 17.4 17.4 17.6 25.1 7.4
0 to 9 years since immigration (2002) 36.5 36.9 37.6 54.0 17.3
10 to 19 years 27.7 31.4 33.1 39.5 14.1
20 to 29 years 24.2 23.0 25.1 35.7 10.3
30 to 39 years 19.0 16.4 19.2 24.6 7.8
40 years or more 14.4 16.7 14.5 22.3 6.8
Non-immigrant 18.4 18.5 18.8 26.7 8.1
Some high school 20.6 20.9 20.8 29.4 9.5
High school graduate education 18.7 18.8 19.8 27.6 8.1
Postsecondary without certificate 21.1 21.1 20.8 30.1 9.1
Postsecondary with certificate 16.8 16.9 17.9 25.3 7.3
Bachelor's degree 14.0 15.3 14.4 21.1 5.5
Postgraduate degree 15.4 12.3 13.7 19.3 5.2
Note: Characteristics constant all three years for longitudinal estimates.
Source: Statistics Canada, Survey of Labour and Income Dynamics, 2002 to 2004.