vital homes program
Simply put – this program is vital. It is vital to the long-term sustainability of Canmore’s social and economic diversity. Vital to keep families in the community. Vital Homes is for people who live and work in Canmore. This program, which was previously called the Perpetually Affordable Housing (PAH) program, strives to bring homeownership within reach and provides rental options to eligible residents at below market rates.
Vital Homes is a community investment in Canmore’s housing infrastructure. It allows CCH to provide homes at below-market prices to eligible community members. To ensure that the investment and the prices are retained for the benefit of future residents, resale and rental price formulas are used. This means that if you own your Vital Homes property, a resale price formula indexed to inflation is used to calculate how much your home may increase in value each year. If you rent, you can be assured rental rates will remain at least 10 per cent below market rental rates.
To find out if Vital Homes is for you, read the Frequently Asked Questions. You can also contact CCH for more information or attend an upcoming information session, which are scheduled monthly.
Eligibility
Applicants must meet specific criteria based on employment, residency, income, and other qualifications as determined from time to time. These criteria demonstrate a connection to Canmore and a need for affordable housing. Full details can be found in the application packages or by contacting the CCH office. Homes must be the applicant’s permanent and primary residence. If you own your home, housemates and boarders are permitted if a titled owner remains in permanent residence.
application forms
CCH Forms
2024 Vital Homes RENT Program Application
2024 Vital Homes OWN Program Application
Additional Resources
Boardwalk Property Management-The Peaks Canmore
Canada Guaranty: First-Time Home Buyer’s Workbook
Genworth Financial Canada: Homeownership Sites
CMHC: Homebuying Step by Step
Real Estate Council of Alberta: Consumer Information
Service Alberta: Buying and Owning a Condominium
CMHC: Condominium Buyer’s Guide
CRA: The Home Buyer’s Plan (HBP)
CMHC: Mortgage Affordability Calculator
CMHC: Home Purchase Cost Estimate
Town of Canmore
Genworth Financial Canada
Canada Mortgage and Housing Corporation
Biosphere Institute: Information on recycling, water, and energy in Canmore
Canada Guaranty
Financial and Legal Resources