Habitat for Humanity Canada

477 Mount Pleasant Road, Suite 403
Toronto, ON M4S 2L9
President & CEO: Mark Rodgers
Board Chair: Ed McMahon

Charitable Reg. #:11895 0120 RR0001


Ci's Star Rating is calculated based on the following independent metrics:

[Charity Rating: 4/4]



Audited financial statements for current and previous years available on the charity’s website.



Grade based on the charity's public reporting of the work it does and the results it achieves.



The demonstrated impact per dollar Ci calculates from available program information.


Charity's cash and investments (funding reserves) relative to how much it spends on programs in most recent year.



For a dollar donated, after overhead costs of fundraising and admin/management (excluding surplus) 78 cents are available for programs.

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About Habitat for Humanity Canada:

Founded in 1986, Habitat for Humanity Canada (Habitat Canada) helps low-income families access affordable housing in Canada and developing countries. Habitat Canada is a member of Habitat for Humanity International and aligns with the international vision statement: a world where everyone has a decent place to live. Its mission is to bring communities together to help families build strength, stability and independence through affordable homeownership. With a reported one in eight Canadian families unable to afford decent housing, Habitat Canada promotes homeownership to break the poverty cycle. It operates through 54 local affiliates across Canada, with headquarters in Toronto.  

Local Habitat affiliates build Habitat homes. Habitat Canada provides financial and training support to these affiliatesbut it does not have a direct role in the homeownership application process and it does not build homesThe charity distributed $6.5 million in monetary support to local affiliates and an additional $7.7 million in donated materials to build Habitat homes in F2018. Ci reported all cash transfers to affiliates as program costs in its financial analysis, although the charity typically reports these costs as grants in its T3010 CRA filing.

Habitat for Humanity Canada reports that 238 new families moved into homes in F201864% came from rental homes, 23% lived in subsidized housing, and 13% came from other arrangements. Habitat for Humanity’s goal for 2020 is to help 375 Canadian families per year. The average cost per new Habitat family incurred by Habitat Canada in F2018 (based on direct affiliate support costs) was $52,483. An additional 2,250 families continued living in Habitat homes that they moved into in prior years. Eligible homeowners are low-income families in need of better housing that can commit 500 hours to help build a Habitat home or volunteer at a Habitat ReStore. Homes are sold to families at market value and made affordable through interest-free mortgage payments capped at 30% of total annual household income, which is assessed and adjusted for every year. 

Besides support to local affiliates, the remaining $2.8 million in Canadian program spending includes $1.3 million in marketing and communication costs, $1.1 million in ReStore and product development costs, and $373k on government relations and Indigenous housing.

Habitat for Humanity Canada also contributes to international homebuilding projects in developing countries. In F2018, it spent $4.9 million on international programs and Habitat for Humanity Canada Global Village (Habitat Global Village) costs. Habitat Global Village is a volunteer program for Canadians who want to help build Habitat homes in developing countries. The charity reports that it helped 1,800 people in Malawi, Uganda, Kenya, Nepal, Vietnam, Haiti, and the Dominican Republic in F2018 through home construction/renovations, latrine installations for improved water access, and/or construction, maintenance and property rights training. Country-specific results for F2018 include: 21 homes built in Vietnam, and 692 homes built and 373 homes in progress in Nepal.

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Results and Impact

Habitat for Humanity Canada reports that the 238 new families who moved into Habitat homes in F2018 will generate almost $42 million in social benefits returned back to the community through improved health, education, and employment outcomes associated with owning a home. This approximation is based on a 2015 impact analysis performed by Boston Consulting Group. The evaluation found that every dollar given to the Habitat homeownership program produces $4 in social benefits, and that each Habitat family receives measurable benefits of $175,000 through a Habitat home.

Due to very high cost per family, Charity Intelligence rates Habitat for Humanity Canada as Fair in demonstrated impact per dollar.

Impact Rating: Fair

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Habitat for Humanity Canada is a large charity that collected $12.7m in cash donations in F2018. This includes $3.5m in Global Village and gift-in-kind airfare – the charity's audited financials do not report cash donations separately from airfare. Habitat Canada received an additional $2.3m in materials for homebuilding projects and $5.5m in ReStore materials donations. Administrative costs are 3% of revenues and fundraising costs are 18% of cash donations. Per dollar donated to the charity,  78 cents go to the cause, which is within Ci’s reasonable range for overhead spending.

When non-cash donations for homebuilding projects are included in total donations, Habitat Canada’s fundraising ratio drops to 15% (13% in F2017, 12% in F2016). 

Habitat Canada’s F2018 audited financial statements restated multiple F2017 revenue and expense items following a change in accounting policy. The restatements resulted in a $1.3m increase in total revenue and $317k increase in total expenses. F2016 figures may not be comparable to F2017 and F2018. 

Habitat for Humanity Canada’s funding reserves of $6.1m can cover annual program costs for five months at the F2018 level.  

Habitat Canada reports using external fundraisers in its most recent F2017 T3010 CRA filing. It paid external fundraisers $48k to raise $81k, meaning that it cost Habitat Canada 59 cents for every dollar raised by external fundraisers.  

This charity report is an update that has been sent to Habitat for Humanity Canada for review. Comments and edits may be forthcoming.

Updated on September 9, 2019 by Katie Khodawandi.

Financial Review

Financial Ratios

Fiscal year ending December
Administrative costs as % of revenues 3.5%2.9%2.8%
Fundraising costs as % of donations 18.2%16.3%16.0%
Total overhead spending 21.7%19.2%18.8%
Program cost coverage (%) 40.5%36.1%44.0%

Summary Financial Statements

All figures in $000s
Donations 12,70015,89113,182
Goods in kind 7,7489,21510,076
Fees for service 5,0655,0105,492
Business activities (net) 399376(42)
Other income 118298424
Total revenues 26,03030,79029,132
Program costs - International 4,9035,9315,586
Program costs - Canada 10,06512,03910,161
Donated goods exp 7,7489,2149,307
Administrative costs 899897814
Fundraising costs 2,3162,5962,114
Total spending 25,93130,67727,982
Cash flow from operations 991131,150
Capital spending 78166116
Funding reserves 6,0636,4896,927

Note: Ci reports ReStore sales net of direct expenses in business activities, decreasing total revenue and expenses by $991k in F2018, $772k in F2017, and $42k in F2016. Donated goods in kind through ReStore operations are included in donated goods in kind in revenues and donated goods used in programs in expenses. Amortization of capital assets is backed out pro-rata from program, administrative and fundraising costs in F2018 and F2017. The charity’s previous audited financial statements do not disclose amortization for F2016.  

Salary Information

Full-time staff: 57

Avg. Compensation $70,020

Top 10 staff salary range

$350k +
$300k - $350k
$250k - $300k
$200k - $250k
$160k - $200k
$120k - $160k
$80k - $120k
$40k - $80k
< $40k

Information from most recent CRA Charities Directorate filings for F2017

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Comments & Contact

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Charity Contact

Website: www.habitat.ca
This email address is being protected from spambots. You need JavaScript enabled to view it. Tel: 1-800-667-5137