More needs to be done to make housing affordable including reviewing the housing models More focus on moving people away from big cities to rural areas - https://www.slideshare.net/paulyoungcga/urban-and-rural-planning-whats-next-236315321 Focusing on growing economy including high paying jobs - https://www.slideshare.net/paulyoungcga/gdp-canada-real-truth-august-2020 and https://www.slideshare.net/paulyoungcga/global-economy-current-state-and-whats-next All levels of government working together to make housing more affordable - https://www.slideshare.net/paulyoungcga/housing-market-affordability-and-costing-canada-september-2019 Municipal building codes adjusting to methods of house building including 3D printing and modular construction

1. HOUSING MARKET –
CANADA AND
UNITED STATES
Paul Young CPA CGA
May 23, 2022

2. PAUL YOUNG - BIO
• CPA, CGA
• Academia (PF1, FA4, FN2, MU1. and MS2)
• SME – Risk Management
• SME – Close, Consolidate and Reporting
• SME – Public Policy
• SME – Emerging Technology
• SME – Business Process Change
• SME – Financial Solutions
• SME – Macro/Micro Indicators
• SME – Supply Chain Management
• SME – Data, AI, Security, and Platform
• SME – Internal Controls and Auditing
Contact information: Paul_Young_CGA@hotmail.com
LinkedIn: https://www.linkedin.com/in/paul-young-055632b/
SlideShare - https://www.slideshare.net/paulyoungcga

3. AGENDA
• Debt
• Budget 2022
• Cost of Housing
• Average House Price Canada and Key Cities
• Commodity Price of Lumber
• Modular Housing / Solutions
• Urban Planning
• Technology / Housing
• Homelessness
• Rent to Own
• Innovation
• What’s next

4. DEBT / MONETARY

5. MNP DEBT

6. BUDGET 2022
https://twitter.com/HonAhmedHussen/status/15143
14685369176073
TFSA exists
Poor urban planning policies
Why the focus zoning now?
Skill trades shortages
No mention on 3D & cost of raw
materials
Where are REITS?
https://www.slideshare.net/paulyoungc
ga/housing-continues-to-face-many-
challenges-across-the-globe

7. HOUSING
RBC and Housing.pdf

8. HOUSING
RBC and Housing.pdf

9. STATS

10. ONTARIO

11. HOUSING STARTS VS POPULATION
Ontario

12. REAL ESTATE AND MARKETS
Housing - BNS -
Canada - March 2022.pdf

13. HOUSING/INVESTORS
Real Estate (Housing)
Debt.pdf

14. HOUSING
Real Estate (Housing)
Debt.pdf

15. AVERAGE HOUSING PRICE INCLUDING KEY
CITIES

16. CONSTRUCTION COSTS

17. RESALE /
HOUSING
Source -
https://economics.bmo.com/en
/publications/detail/e7555e03-
e2f4-4234-883a-
e2c33c9ba87e/

18. USA - HOUSING
Source -
https://economics.bmo.com/en/publ
ications/detail/88fc715c-037a-48dd-
97f9-33ee2321f198/

19. MEDIAN HOUSE PRICE ANALYSIS

20. USA - HOUSING
Source -
https://economics.bmo.com/en/publ
ications/detail/d27fbf63-31b9-45d8-
8042-0ffb698ee4cb/

21. USA
HOUSING
Source - https://www.nar.realtor/research-and-statistics
forecast-Q1-2022-us-
economic-outlook-01-27-2022.pdf

22. USA
HOUSING
Source - https://www.nar.realtor/research-and-statistics
forecast-Q1-2022-us-
economic-outlook-01-27-2022.pdf

23. PRICE OF
LUMBER
• Price of Lumber has been on
the decline. The Price of
Lumber is still up from 2020 -
https://www.nasdaq.com/mark
et-activity/commodities/lbs

24. MODULAR HOUSING SOLUTIONS
• $85B (USD) global market with CAGR predicted to be about 6% -
https://www.marketsandmarkets.com/Market-Reports/modular-construction-market-
11812894.html
• Mass production modular housing could help make housing more affordable -
https://www.cnbc.com/2020/07/28/how-buildings-made-in-factories-could-have-a-big-role-
in-the-future.html
• Adjusting to smaller homes is no big deal - https://www.straight.com/news/living-in-smaller-
spaces-isnt-hell-that-some-people-make-it-out-to-be
• Municipal by-laws
• https://www.forbes.com/sites/pikeresearch/2019/11/20/3d-printed-homes-quietly-gain-
traction/?sh=101c0e5c63bd
Blog – Availability and Cost of Housing – Canada and the USA – April 2022
RBC and Hous ing.pdf
Hous ing - BNS -
Canada - Mar ch 2022.pdf

25. URBAN PLANNING
• The problem from the get-go has been with proper urban planning including rural vs urban strategy! It is time for all levels
government to look at innovator solutions when it comes to building affordable housing
https://www.slideshare.net/paulyoungcga/urban-and-rural-planning-whats-next
• Vacate property due to COVID19 - https://www.phillyvoice.com/greg-englesbe-real-estate-strategic-conversion-vacant-
commercial-space-affordable-housing-0599945/
• Building codes need to revamp to deal with 3-D housing - https://www.forbes.com/sites/pikeresearch/2019/11/20/3d-printed-
homes-quietly-gain-traction/#74899cc763bd
• Green Belt Protection/Development - https://www2.slideshare.net/paulyoungcga/greenbelt-ontario
• https://www.thestar.com/news/gta/2020/10/06/york-region-asks-province-for-process-to-open-up-protected-greenbelt-again.html
• All levels government need to look at proper land management - https://www.slideshare.net/paulyoungcga/why-do-politicians-
play-games-with-the-environment
• Smart Cities - https://www.mccourier.com/global-smart-city-ict-infrastructure-market-2020-industry-outlook-cisco-verizon-
communications-huawei-ibm-ntt-communications/

26. TECHNOLOGY AND HOUSING
• AI and at risk for homelessness - https://www.cbc.ca/news/canada/london/artificial-intelligence-london-
1.5684788
• AI and cost control - https://www.enr.com/events/880-ai-how-it-s-transforming-project-management-for-the-
better
• Smart construction - https://www.weforum.org/agenda/2020/08/here-s-how-smart-construction-could-
transform-home-building-after-covid-19/
• AI and housing - https://www.urban.org/urban-wire/four-ways-technology-addressing-housing-affordability-
crisis

27. SOCIAL HOUSING
• Govt buying commercial properties - https://globalnews.ca/news/7348331/federal-liberals-
rapid-housing-funding-motels-hotels/ or https://www.cmhc-schl.gc.ca/en/media-
newsroom/news-releases/2020/canada-rapidly-create-affordable-housing-support-homeless
• Modular housing units - https://torontostoreys.com/federal-government-1-billion-modular-
housing/
• 20 years ago is when Canada had a social housing plan - https://cwp-csp.ca/2014/01/20-years-
ago-canada-had-a-housing-plan/
• Wait list for Toronto is over 79K - https://dailyhive.com/toronto/toronto-affordable-housing-faq

28. WORLD’S BUBBLIEST HOUSING MARKETS
Source - https://dailyhive.com/toronto/toronto-affordable-housing-faq

29. HOMELESSNESS
Blog – What Works for the Homeless Problem
• A 2005 study by Pomeroy looked at costs in four Canadian cities, institutional responses (jails, hospitals, etc.) cost $66,000-$120,000 annually,
emergency shelters cost $13,000-$42,000 annually whereas supportive and transitional housing cost $13,000-$18,000 and affordable housing
without supports was a mere $5,000-$8,000.
• A two-year pilot project called The Canadian Model for Housing and Support for Veterans Experiencing Homelessness in 2012, was designed to
address the needs of the Canadian veterans experiencing homelessness. The program included a Housing First approach and staff/volunteer resources
for each participant. The program revealed promising results of an estimated $536, 000 per year (in terms of cost savings) due to reductions in 911
calls and emergency-shelter drop-ins.
• Medicine Hat achieved functional zero by:
* Rallying around a defined goal to end homelessness. In 2009, Medicine Hat was one of the first Canadian cities to commit to ending homelessness,
a goal that was updated in 2014. They continue to set measurable goals to end homelessness.
• * Strong partnerships. Service providers, shelters and other stakeholders representing a broad cross section of interest and expertise locally (e.g.,
private sector, criminal justice, health care) work together on the Community Council on Homelessness. The community is also supported by all
levels of government and the public-at-large where they’ve fostered a strong belief (and proven!) that ending homelessness is possible.
•
• https://www.nextbigfuture.com/2021/07/what-works-for-the-homeless-
problem.html?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+blogspot%2Fadvancednano+%28nextbigfuture%29

30. USA AND
HOMELESSNES
S
Source -
https://www.hud.gov/p
ress/press_releases_me
dia_advisories/HUD_N
o_22_022
HUD Releases 2021
Annual Homeless Assessment Report Part 1 HUD.gov _ U.S. Department of Housing and Urban Development (HUD).pdf

31. RENT AFFORDABILITY
Source - https://www.mtlblog.com/montreal/how-canadas-housing-affordability-compares-to-other-countries or
https://rentals.ca/national-rent-report

32. INNOVATION HOUSING

33. 3D PRINTING

34. RENT TO OWN
Source - https://storeys.com/liberal-party-rent-to-own-plan/
Liberals’ $1B
‘Rent-to-Own’ Plan May Sound Nice to Voters, But Most Won’t Benefit From It.pdf

35. MODULAR

36. WHAT’S NEXT
• More needs to be done to make housing affordable including reviewing the housing models
• More focus on moving people away from big cities to rural areas -
https://www.slideshare.net/paulyoungcga/urban-and-rural-planning-whats-next-236315321
• Focusing on growing economy including high paying jobs -
https://www.slideshare.net/paulyoungcga/gdp-canada-real-truth-august-2020 and
https://www.slideshare.net/paulyoungcga/global-economy-current-state-and-whats-next
• All levels of government working together to make housing more affordable -
https://www.slideshare.net/paulyoungcga/housing-market-affordability-and-costing-canada-september-
2019
• Municipal building codes adjusting to methods of house building including 3D printing and modular
construction
To r o n
t
o Rea l E s t
a t
e
Pr ice His t
o r y Lis t
in
g .ca .p d f
TRE B 2004 t
o t
a ls a n
d
g r a p h
s o f A
ver a g e Sin
g le F
a mily Res id en
t
ia l Ho me p r ice g r a p h To r o n
t
o ,M is s is s a u
g a s in
g le fa mily h
o mes & p r o p er t
ies .p d f
On
t
a r io _
B
u
d g et
_
2004.
p d f
On
t
a r io Rea l E s t
a t
e
A
s s o cia t
io n CRE A St
a t
is t
ics .p d f
Th
e s t
a t
e o f On
t
a r io ,
Ca n
a d a ’s r ea l es t
a t
e ma r k
et in mid -2018 - Rea lt
y Times .p d f
A
ver a g e Ca n
a d a
Ho me Pr ices fo r J u
n
e 2014 (I
n
fo g r a p h
ic) Z
o o ca s a B
lo g .p d f
A
ver a g e h
o me p r ice
r is es 6.5% t
o $352,600 CB
C N ew
s .p d f
d q 140528b -en
g .p d f 2011 Pr o p er t
y
Va lu
es .p d f
On
t
a r io Ho u
s in
g .p d f Pr o p er t
y Pr ices in
Ca n
a d a Ca n
a d ia n Rea l E s t
a t
e Pr ices .p d f
On
t
. h
o me s t
a r t
s
r ema in
ed a b o ve a ver a g e in 2007 CTV N ew
s .p d f
On
t
a r io 's t
o p 6
h
o u
s in
g ma r k
et
s 2007-2017 - RE _
M A
X Ca n
a d a .p d f
Ca n
a d a 's h
o u
s e-p r ice
es ca la t
o r p a u
s es in J u
ly CB
C N ew
s .p d f
Co mmer cia l Rea l
E s t
a t
e Cr is is Res ea r ch Pa p er _
F
eb 2017.p d f
Ho u
s in
g St
a r t
s –
On
t
a r io Ho me B
u
ild er s ' A
s s o cia t
io n
.p d f
N o v_
F
in
a l_
St
a r t
s .p d f Decemb er _
F
in
a l_
St
a r t
s .p d f
Decemb er _
F
in
a l_
St
a r t
s _
2012.p d f
Decemb er _
F
in
a l_
St
a r t
s _
2013.p d f
Decemb er _
F
in
a l_
St
a r t
s _
2014.p d f
Decemb er _
F
in
a l_
St
a r t
s _
2015.p d f
On
t
a r io _
Decemb er _
F
i
n
a l_
St
a r t
s _
2016.p d f
d ecemb er -fin
a l-s t
a r t
s
-2017-in
cl-a ll-o n
t
.p d f
d ecemb er -fin
a l-s t
a r t
s
-2018-in
cl-a ll-o n
t
.p d f
d ecemb er -fin
a l-s t
a r t
s
-2019.p d f
d ecemb er -fin
a l-s t
a r t
s
-2020.p d f
d ecemb er -fin
a l-2021.
p d f
Blog – Availability and Cost of Housing – Canada and the USA – April 2022
https://www.slideshare.net/paulyoungcga/housing-and-homelessness-canada-and-the-world-april-
2022pptx