Affordable housing challenges in Owen Sound


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The Affordable Housing Crisis

Owen Sound is growing in construction. Are we building homes people can afford?
High Housing Costs   •   Limited Supply   •   Growing Need
A city cannot measure housing success by construction dollars alone. Owen Sound faces a difficult housing challenge: residents need more safe, suitable and affordable places to live, while the supply of housing available to lower- and moderate-income households remains inadequate. The question for municipal leaders is how to turn development activity into housing outcomes that meet a wider range of needs.
 
New construction is important, but affordability, suitability and access matter too.

The Facts: A Growing Need

Grey County's housing and homelessness figures illustrate the scale of the regional challenge. The County's subsidized housing waitlist grew substantially between 2022 and 2024, while its homelessness count documented hundreds of people without stable housing.

2,545 Households on Grey County's subsidized housing waitlist in 2025
375 People identified as experiencing homelessness in Grey County in 2024
253 People in the 2024 count classified as chronically homeless

The waitlist increased from 1,517 in 2022 to 2,230 in 2024, and then to 2,545 in 2025. These are County-wide figures, not a count limited to Owen Sound, but they demonstrate the scale of housing need in the region.

It's Not Just a Shortage of Homes

The condition and suitability of existing rental housing are also important. Findings from the RentSafe Owen Sound Collaborative's landlord and tenant research, presented in 2024, identified concerns about aging buildings, maintenance and tenants' ability to find alternative accommodation.

In the tenant survey, 87% of respondents reported wanting to leave their rental because of poor conditions but being unable to do so. The report also highlighted maintenance concerns: many tenants had requested repairs, but a much smaller proportion reported having their issues resolved.

Housing affordability is about more than rent. A home must also be safe, healthy, appropriate to a household's needs and located where residents can reach employment, education, transportation and essential services.

Housing for Some, but Not for All

Owen Sound reported $214.5 million in construction value in 2024. That is a significant measure of development activity. But construction value does not tell us how many homes are affordable to local workers, seniors, young families or people on fixed or low incomes.

New housing can increase supply and contribute to a healthier market over time. However, the type, price, location and timing of new construction all matter. Market-rate development alone may not meet the needs of households that cannot afford the rents or purchase prices required to make new projects financially viable.

The affordability gap: The cost of building and financing a home may be higher than what a lower-income household can afford to pay. Closing that gap may require partnerships, public investment, land strategies or other measures designed around clearly identified housing needs.

Do Municipal Costs Affect Affordability?

Taxes, fees, development charges, land costs, financing and construction expenses can all be part of the economics of housing development. Their effects on rents and home prices, however, depend on market conditions and the individual project.

Council should understand how its own policies and charges affect the feasibility of different types of housing, while recognizing that reducing a cost does not automatically guarantee that a home will become affordable to the people who need it.

Residents should be able to see the City's analysis of these trade-offs: which measures could increase supply, which could support below-market housing, and what public benefits would be expected in return.

Some Progress, but Demand Remains High

There have been important housing initiatives in the region. In July 2025, Owen Sound Council approved the transfer of lands adjacent to Bayfield Landing to Owen Sound Housing Company Limited to support affordable housing development. The project is intended to respond to a housing type in high demand on the County's waitlist.

Grey County has also invested in homelessness supports and housing initiatives, including supportive housing and short-term emergency accommodation. These efforts involve cooperation among municipal, provincial, federal and community partners.

Such projects matter, but their progress should be considered alongside the continuing waitlist and the number of people experiencing homelessness. Residents need regular updates on units completed, affordability levels, occupancy, timelines and the number of households actually helped.

What Can Owen Sound Do?

Housing is a shared responsibility. Grey County has a central role in social housing and homelessness services, while the City has tools involving land use, planning, infrastructure, municipal property and local partnerships. The practical challenge is to coordinate these responsibilities and make the most of each government's contribution.

1. Make Municipal Land Work

  • Identify surplus or suitable City-owned properties.
  • Consider partnerships with non-profit and affordable housing providers.
  • Evaluate land leases, transfers or below-market arrangements where public benefits are clear.

2. Review Planning and Fees

  • Identify approval delays that can reasonably be reduced.
  • Assess opportunities for suitable density and a wider mix of housing types.
  • Examine the impact of fees and charges on affordable housing proposals.

3. Support Housing Partnerships

  • Coordinate with Grey County and senior governments.
  • Work with non-profit housing providers and community organizations.
  • Identify funding opportunities and projects that can realistically proceed.

4. Measure Results

  • Report affordable units approved, started and completed.
  • Identify the income levels and rents the units serve.
  • Publish project costs, timelines and outcomes.

The Path Forward

Owen Sound's housing challenge cannot be solved by one policy, one government or one construction project. It requires a sustained effort to expand supply, preserve existing homes, improve housing conditions and create more options for people whose incomes do not match prevailing housing costs.

That effort also requires honest recognition of the City's authority and limitations. Municipal government cannot independently solve every aspect of housing affordability, but it can make deliberate choices about the policies, partnerships and resources within its reach.

Questions Residents Should Ask

How many affordable homes does Owen Sound need, and for whom? What is the City's contribution to meeting that need? Which municipal policies help or hinder housing projects? How will Council report whether its actions are producing homes that residents can actually afford?

Development is an important part of a growing community. The measure of progress should also include whether people who live and work here can find a safe, suitable place to call home.


Election information: The City of Owen Sound confirms that the 2026 municipal election voting period runs from October 16 at 10:00 a.m. to October 26 at 8:00 p.m. The City's certified candidate list is available on its election website. COST's reference to “20 new voices” refers to COST's own identification of candidates who have never served on Owen Sound Council; it should not be confused with the City's total number of certified candidates.
City of Owen Sound — Certified Candidates   |   City of Owen Sound — Voter Information