Housing is foundational to complete, inclusive, and resilient communities. It shapes who can live in a community, who can remain in it over time, and whether residents are able to access the services, supports, employment opportunities, and social connections that contribute to quality of life and community well-being.

In Centre Wellington, housing pressures are becoming increasingly prevalent across the community. Rising housing costs, limited rental availability, changing household needs, demographic shifts, and a constrained range of housing options are affecting residents at different stages of life and across a broad range of incomes and household circumstances. While these pressures are being experienced across Ontario and throughout many rural and small urban municipalities, housing actions must be locally responsive to the unique context, character, growth patterns, and housing stock of Centre Wellington.

The Township is developing a Housing Action Plan to guide a coordinated and targeted municipal response to these challenges. The Housing Action Plan will build upon the Township’s Housing Needs Assessment and will identify practical and implementable actions that may support a broader range of housing options, improve housing choice, and strengthen the Township’s ability to respond to evolving housing needs.

This work is not intended to approach housing as a singular issue with a singular solution. Housing systems are inherently interconnected and are shaped by planning policy, land supply, infrastructure, market conditions, construction costs, demographic change, funding programs, legislation, economic conditions, and the actions of multiple public, private, and community-sector partners. Meaningful municipal housing work requires both a strong understanding of local conditions and a recognition of the broader systems that shape how housing is planned, delivered, accessed, and experienced.

The Housing Action Plan will help the Township better understand where municipal influence is strongest, which partnerships are necessary, and how local policies and implementation mechanisms can support more positive housing outcomes within the community.

Why is This Work Important?

Housing influences how communities grow, thrive, and care for their residents. When housing options are affordable, diverse, and accessible, young people can remain in the community as they enter the workforce, older adults can age in place with dignity, families can find homes that adapt to their evolving needs, and local employers are better positioned to attract and retain workers. In turn, residents benefit from a vibrant, inclusive, and resilient social and economic community.

The Township’s Housing Needs Assessment identified several trends and pressures that reinforce the need for a more coordinated local housing response, including:

  • Increasing housing affordability pressures
  • Limited rental housing availability
  • Housing stock predominantly comprised of single detached dwellings
  • Growing need for a broader range of housing forms and tenures
  • Increasing demand for accessible and age-friendly housing options
  • Housing pressures affecting renters, youth, seniors, and single-parent families, among others

These trends are important because healthy communities depend on a range of housing types, affordability thresholds, and sustained supply. Currently, more than 1 in 6 households in Centre Wellington cannot afford their housing. A resilient housing system supports everyone, including people across different incomes, household sizes, cultures, life stages, abilities, and circumstances.

The Township uses the Housing Wheelhouse framework, originally developed by the City of Kelowna and adapted for local application, to reflect the evolving nature of housing needs throughout different stages of life. Unlike the traditional linear housing continuum, the Housing Wheelhouse acknowledges that housing pathways are non-linear and should align with a communitys socioeconomic and demographic diversity. It moves away from the assumption that all households have the goal of market home ownership, recognizing instead that housing needs may change in response to shifting personal, economic, and health circumstances.

The model reframes transitional housing instead as short-term supportive housing. Short-term supportive housing reflects the role of time limited accommodation paired with services that provide stability during periods of transition. Long-term supportive housing recognizes that some individuals may require ongoing or indefinite supports to maintain housing security. For some individuals, including those requiring assisted living or residential care, long-term supportive housing may represent the most appropriate and stable form of accommodation rather than a transitional step towards market home ownership.

By adopting the Housing Wheelhouse model, the Township affirms a more inclusive and realistic understanding of community housing needs. The framework reinforces the importance of planning for a diverse and balanced housing mix that accommodates varying levels of affordability, accessibility, and support across the lifespan.

Within this framework, the Housing Action Plan will primarily focus on areas where the Township has the greatest opportunity to influence outcomes through municipal planning, policy, regulatory, financial, and incentivization tools, particularly within the affordable, below-market, and market rental and ownership aspects of the housing system.

Other components of the housing system, including homelessness response, emergency shelter, short-term and long-term supportive housing, and deeply affordable housing delivery, remain critically important; however, these areas are the responsibility of Wellington County in its role as Consolidated Municipal Service Manager.

Affordable housing is often discussed as though it represents a singular form of housing; however, affordability exists across a spectrum and may look different depending on individual household income, tenure, and housing needs.

Generally, affordable housing refers to housing that can be accessed without households spending more than 30% of their gross income on shelter costs. Affordable housing may include both rental and ownership options and may occur within both market and non-market contexts.

In June 2024, the Provincial government introduced a Provincial Bulletin, which provides affordable home ownership or affordable rental prices for each municipality across Ontario and is updated annually.

For Centre Wellington, an affordable home ownership price is set at or below $461,800. The Province also set affordable rents at or below the following:

  • Studio (bachelor) unit: $1,317
  • One-bedroom unit: $1,298
  • Two-bedroom unit: $1,562
  • Three-bedroom+ unit: $1,637

Alleviating housing pressures and addressing the housing crisis requires coordinated and collaborative efforts across all levels of government, non-profit housing providers, and the development industry. In this context, the Township plays an important role in shaping the right conditions under which housing is delivered. The Township cannot directly control broader market forces or private development and investment decisions. The Township also does not directly deliver social housing; Wellington County is the Consolidated Municipal Service Manager responsible for administering social and affordable housing programs in Centre Wellington. The Township’s role includes:

  • Establishing land use policy through the Official Plan
  • Regulating development through the Zoning By-law
  • Reviewing development applications and building permits
  • Planning for growth, intensification, and complete communities
  • Supporting a broader range of housing forms and tenures
  • Connecting developers and landowners to financial incentive programs, such as the Community Improvement Plan
  • Utilizing municipal land to support affordable housing development
  • Streamlining and improving municipal and development processes
  • Creating strong partnerships to support affordable housing delivery
  • Advocating to other levels of government on housing needs

The Housing Action Plan will help clarify where the Township can lead directly, support and facilitate housing outcomes, and build collaborative and partnership-based approaches.

While it is unknown what the outcomes and recommendations arising from the Housing Action Plan will be, it may explore:

  • Housing supply and housing diversity
  • Affordable and attainable housing
  • Rental housing and ownership opportunities
  • Additional Residential Units
  • Planning policy, zoning, and process improvements
  • Development review and approvals processes
  • Financial and non-financial incentives
  • Barriers affecting housing delivery
  • Partnerships, collaboration, and advocacy opportunities
  • Implementation and monitoring approaches
  • Future municipal priorities and actions

The scope of the project will continue to evolve as technical work, analysis, and future engagement activities are undertaken.

Housing conversations are often complex because they involve balancing growth, affordability, infrastructure, neighbourhood character, environmental sustainability, economic development, and community well-being simultaneously.

The Housing Action Plan represents an opportunity to approach these conversations thoughtfully, collaboratively, and proactively within the Township of Centre Wellington’s local context.

This page will continue to be updated as the project progresses and as additional information, project materials, and future opportunities for participation become available.

Community Engagement Pop-Up Locations

Project staff will "pop-up" at the locations below to speak with community members about the Housing Action Plan.

  • Open Sky Live

    Date: Thursday September 3

    Time: 6:00 PM to 9:00 PM

    Location: Elora Centre for the Arts (75 Melville St, Elora)

  • Cogs and Clockwork Festival

    Date: Saturday, September 12, 2026

    Time: 10:00 AM to 12:00 PM

    Location: Downtown Fergus

  • Elora Farmers' Market

    Date: Saturday, September 19, 2026

    Time: 9:00 AM to 1:00 PM

    Location: Bissell Park (127 East Mill Street, Elora)

  • Victoria Park Seniors Centre

    Date: Wednesday, September 23, 2026

    Time: 11:00 AM to 12:00 PM

    Location: Victoria Park Seniors Centre (150 Albert Street W, Fergus)

  • Victoria Park Seniors Centre

    Date: Wednesday, October 7, 2026

    Time: 11:00 AM to 12:00 PM

    Location: Victoria Park Seniors Centre (150 Albert Street W, Fergus)