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Canadian Forces Housing Differential

Will your CFHD monthly payment (effective July 1 2023) be less than your monthly PLD payment amount as of May 30 2023? If so, refer to the Provisional Post-Living Differential, a temporary policy that will assist you in the transition from PLD to CFHD. 

Additional Resources: CANFORGEN 120/23, PPLD FAQs.

Note: If your circumstances meets the criteria for PPLD, you do not have to actively apply, as your monthly payments will be adjusted automatically.  PPLD does not apply to CAF members whose monthly PLD payments (as of May 20 2023) are lesser in value than their upcoming CFHD payments (effective July 1 2023), nor to CAF members who do not currently receive any PLD.

The Canadian Forces Housing Differential (CFHD) policy is a sophisticated approach (inclusive of GBA+ analysis) with the goal of assisting CAF members in adjusting to housing costs in different locations within Canada.

CFHD rates are updated annually in order to ensure that they remain up to date. This means that CAF members who are eligible for CFHD and who apply can find suitable housing, no matter where they are posted.Thus, providing military members (when applicable) an equitable differential for housing costs when posted to a place of duty.

The information contained within this webpage are to help military members adequately prepare for implementation prior to posting season.
 

Current position:00:00:00

Total time:00:03:22

Video / March 21, 2023

Transcript

This summer, the CAF will see a change to how we are supporting our military members when it comes to cost of living and housing in Canada. On July 1, the long-awaited replacement for PLD will come into effect. The new policy is called the Canadian Forces Housing Differential, or CFHD.

The aim of CFHD is to ensure that CAF members who are renting or purchasing primary residences on the economy will only pay 25% of their gross monthly salary towards their housing costs. This is accomplished through a more sophisticated policy instrument that accounts for Canada’s widely diverse housing market, using rental comparator values. This value is determined annually by pulling data from multiple independent sources. CFHD rates will therefore vary based on location and salary.

The CFHD focuses solely on housing costs, unlike PLD which was designed to account for many living expenses and then compared those to the cost of living in Ottawa. This model was no longer providing the assistance to members who actually needed it. CFHD considers the diverse intersectional identities of our members when determining Housing Differential monthly rates, which will now be based on a small handful of very specific factors: a CAF member’s salary, whether they share their primary residence with one or more CAF members, and their place of duty as opposed to the location of their residence.

It is crucial to understand that CFHD prioritizes those who require assistance the most in order that all CAF members are able to afford housing, regardless of where they are posted.

Correspondingly, not all CAF members will be entitled to CFHD.

We recognize that the replacement of PLD with CFHD may take some time to adjust to, both mentally and financially. Given the implications on your personal circumstances, it is important for you to also note that the CAF will also see an economic increase – or pay raise – which you will see on your mid-July pay. This economic increase is retroactive to April 1st, 2021 and will also include an increase up to March 2025. Critically, this imminent economic increase will assist you in covering the expenses of your cost of living in Canada apart from housing in some locations.

I encourage you to learn more about both upcoming changes by reading the CFHD and Economic Increase CANFORGENs, the relevant Compensation and Benefits Instructions and additional internal resources including Maple Leaf articles. You can also speak with your Orderly Room support staff.

The policies that we continue to develop, maintain and revise exist to ensure that you as CAF members are well positioned to serve Canada, knowing that your needs on the home front are appropriately supported. Both the new CFHD and Economic Increase, rooted in our wider Reconstitution efforts, will assist us in intelligently prioritizing and empowering you – the core of our great institution.

Canadian Forces Housing Differential Amounts

Current CFHD rates (effective 1 July 2024)

Please note that the following rates for Canadian Forces Housing Differential come into effect 1 July 2024

How do I find my pay level?

Regular Force and Class C Reserve service

For the purpose of CFHD, the pay level of a Regular Force member and a Reserve Force member serving on a period of Class “C” Reserve service is determined in accordance with the following table:

Pay Level Monthly Rate of Pay*
1 0-3773
2 3774-5609
3 5610-6629
4 6630-7037
5 7038-7241
6 7242-7445
7 7446-7649
8 7650-7853
9 7854-8057
10 8058-8261
11 8262-8465
12 8466-8669
13 8670-8873
14 8874-9077
15 9078-9281
16 9282-9485
17 9486-9689
18 9690-9893
19 9894-10097
20 >10097

*As set out in the relevant table to CBI 204 – Pay of Officers and Non-Commissioned Members

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Class B Reserve service

For the purpose of CFHD, the pay level of a Reserve Force member serving on a period of Class “B” Reserve Service is determined in accordance with the following table:

Pay Level Daily Rate of Pay**
1 0- 115.11
2 115.12 - 171.13
3 171.14 - 202.25
4 202.26 - 214.70
5 214.71 - 220.92
6 220.93 - 227.14
7 227.15 - 233.37
8 233.38 - 239.59
9 239.60 – 245.82
10 245.83 - 252.04
11 252.05 - 258.26
12 258.27 - 264.49
13 264.50 - 270.71
14 270.72 - 276.93
15 276.94 - 283.16
16 283.17 - 289.38
17 289.39 - 295.61
18 295.62 - 301.83
19 301.84 - 308.05
20 > 308.05
* As set out in the relevant table to CBI 204 – Pay of Officers and Non-Commissioned Members

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Canadian Forces Housing Differential Amounts (Effective 1 July 2024) [PDF - 495 KB]

Alberta

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Calgary 1550 1200 700 450 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0
Cold Lake 600 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Edmonton 1100 750 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Lethbridge 800 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Medicine Hat 800 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Medley 600 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Red Deer 950 600 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Suffield 800 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Wainwright 400 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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British Columbia

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Aldergrove 2750 2400 1950 1650 1550 1500 1450 1400 1350 1300 1250 1200 1150 1100 1050 1000 950 900 850 800
Chilliwack 1450 1100 650 400 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0
Comox 1450 1100 600 350 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0 0
Esquimalt 2250 1900 1400 1150 1050 1000 950 900 850 800 750 700 650 600 550 500 450 400 350 300
Kamloops 1800 1450 950 700 600 550 500 450 400 350 300 250 200 150 100 50 0 0 0 0
Kelowna 2250 1900 1400 1150 1050 1000 950 900 850 800 750 700 650 600 550 500 450 400 350 300
Nanaimo 1450 1100 650 400 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0
Nanoose 1450 1100 650 400 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0
New Westminster 2750 2400 1950 1650 1550 1500 1450 1400 1350 1300 1250 1200 1150 1100 1050 1000 950 900 850 800
Vancouver 2750 2400 1950 1650 1550 1500 1450 1400 1350 1300 1250 1200 1150 1100 1050 1000 950 900 850 800
Victoria 2250 1900 1400 1150 1050 1000 950 900 850 800 750 700 650 600 550 500 450 400 350 300

(TB 25 March 2024, effective 1 July 2024)

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Manitoba

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Brandon 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Portage la Prairie 650 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shilo 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Winnipeg 850 500 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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Newfoundland and Labrador

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Corner Brook 750 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gander 550 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
St John's 850 500 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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New Brunswick

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Bathurst 600 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Burton 950 600 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fredericton 950 600 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gagetown 950 600 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Moncton 950 600 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Saint John 1050 700 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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Nova Scotia

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Bridgewater 1150 800 300 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cape Breton 850 500 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dartmouth 1900 1550 1100 800 700 650 600 550 500 450 400 350 300 250 200 150 100 50 0 0
Greenwood 1050 700 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Halifax 1900 1550 1100 800 700 650 600 550 500 450 400 350 300 250 200 150 100 50 0 0
Pictou 800 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shearwater 1900 1550 1100 800 700 650 600 550 500 450 400 350 300 250 200 150 100 50 0 0
Truro 800 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Yarmouth 850 500 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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Ontario

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Borden 1450 1100 600 350 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0 0
Brampton 1850 1500 1000 750 650 600 550 500 450 400 350 300 250 200 150 100 50 0 0 0
Brantford 1350 1000 550 300 200 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0
Brockville 1100 750 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cambridge 1650 1300 800 550 450 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0
Chatham 1050 700 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cornwall 1000 650 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Downsview 2150 1800 1300 1050 950 900 850 800 750 700 650 600 550 500 450 400 350 300 250 200
Guelph 1950 1600 1100 850 750 700 650 600 550 500 450 400 350 300 250 200 150 100 50 0
Hamilton 1500 1150 650 400 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0
Kenora 1200 850 350 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kingston 1450 1100 600 350 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0 0
Kitchener 1650 1300 800 550 450 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0
London 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
Meaford 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
National Capital Region 1650 1300 800 550 450 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0
North Bay 1300 950 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Oshawa 1500 1150 650 400 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0
Owen Sound 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
Peterborough 1400 1050 550 300 200 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0
Petawawa 950 600 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sarnia 1150 800 300 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sault Ste Marie 950 600 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
St Catharines 1400 1050 550 300 200 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0
St. Thomas 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
Sudbury 1250 900 400 150 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Thunder Bay 1150 800 300 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Timmins 1000 650 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Toronto 2150 1800 1300 1050 950 900 850 800 750 700 650 600 550 500 450 400 350 300 250 200
Trenton 1200 850 350 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Willowdale 2150 1800 1300 1050 950 900 850 800 750 700 650 600 550 500 450 400 350 300 250 200
Windsor 1100 750 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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Prince Edward Island

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Charlottetown 1250 900 400 150 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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Quebec

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Bagotville 800 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Longue-Pointe 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
Mirabel 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
Montreal 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
Quebec City 1100 750 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Rimouski 750 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Rouyn Noranda 600 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sept-Iles 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shawinigan 750 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sherbrooke 850 500 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
St-Hyacinthe 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
St-Jean-sur-Richelieu 1350 1000 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
Trois-Rivières 750 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Valcartier 1100 750 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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Saskatchewan

Table to CBI 205.453
Place of Duty / Pay Level 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20
Dundurn 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Moose Jaw 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Regina 800 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Saskatoon 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 25 March 2024, effective 1 July 2024)

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