Can a landlord refuse a tenant on benefits?
Last updated: October 13, 2026
Short answer
No, not because you receive social assistance or a similar government benefit: human rights law in every province covered here protects that in some form. How far the protection goes depends on the province. Alberta, BC, Manitoba, Nova Scotia and PEI protect source of income, New Brunswick protects it as part of social condition, and Saskatchewan, Ontario and Newfoundland and Labrador protect only people receiving public assistance or income support. A landlord can still check that you can afford the rent, as long as the same rules apply to every applicant.
What each province protects
The protected ground has a different name and reach in each province. This table shows the ground and the examples the law or the province's human rights body gives.
| Province | Protected ground | What it covers |
|---|---|---|
| Alberta | Source of income | Lawful income that carries a social stigma, such as social assistance, AISH or other disability benefits, income supports, rental subsidies and income supplements for seniors. It does not cover employment wages |
| British Columbia | Lawful source of income | Where your money comes from, as long as it is legal, such as social assistance or disability benefits |
| Manitoba | Source of income, and social disadvantage | Income assistance and disability benefits are given as examples. Chronic low income can count as social disadvantage, but only where the treatment rests on a negative bias or stereotype |
| Saskatchewan | Receipt of public assistance | Only assistance under The Saskatchewan Assistance Act and benefits under The Saskatchewan Income Plan Act. Other income sources are not a listed ground |
| Ontario | Receipt of public assistance | For example, social assistance. Source of income in general is not a listed ground |
| New Brunswick | Social condition | Includes source of income, occupation and level of education, where the person belongs to a group that faces social or economic disadvantage |
| Nova Scotia | Source of income | Income Assistance, a student loan, Employment Insurance or other benefits are given as examples |
| Prince Edward Island | Source of income | Where your income comes from, not how much it is, for example Financial Assistance |
| Newfoundland and Labrador | Source of income | Only income or employment support under the Income and Employment Support Act |
What a landlord can ask, and what crosses the line
A landlord is allowed to check that you can pay the rent. Alberta's privacy commissioner says a landlord may ask for reasonable proof that you can pay, and Manitoba's Human Rights Commission says a landlord may screen for ability to pay, income stability and suitability, as long as each applicant is assessed on their own facts. Newfoundland and Labrador's Commission says income information should be used only to check that you can pay.
The human rights commissions in the provinces covered here give these as examples of practices that can cross the line:
- Rent-to-income cut-offs. Alberta's Commission lists screening with a rent-to-income ratio as discrimination, the Ontario Human Rights Commission says a cut-off such as 30% of income is illegal, and New Brunswick's says these ratios discriminate against young persons, low-income individuals and families, and other vulnerable groups.
- "Working people only" ads. Saskatchewan's Commission says an ad cannot say the landlord will only rent to people who are working, and Ontario's and Newfoundland and Labrador's give similar ads as examples of discrimination.
- Avoiding the paperwork. BC's Human Rights Commissioner says turning down a renter on disability assistance to avoid filling out forms is discrimination.
- Extra conditions for people on assistance. Ontario's Commission says a landlord can require a guarantor only if every tenant must have one, and Newfoundland and Labrador's says a landlord cannot require a co-signer because of a protected ground.
If you think you were turned down because of your benefits, keep the ad, the application and any messages, and contact your province's human rights commission. See how to report a landlord and how to find a rental property.
Renting on benefits in each province
Alberta
No. Alberta's Human Rights Act protects source of income in renting. The Alberta Human Rights Commission says this means lawful income that carries a social stigma, such as social assistance, AISH or other disability benefits and income supplements for seniors, but not employment wages. It gives refusing an applicant after learning they receive income supports, rental subsidies (including from a Band or Métis Settlement or the Transition to Adulthood Program) or disability benefits as an example of discrimination, and lists screening with a rent-to-income ratio as another.
Alberta's privacy commissioner says a landlord may ask for reasonable proof that you can pay the rent, and references from other landlords only with your consent. Complaints go to the Commission within one year.
British Columbia
No. BC's Human Rights Code protects lawful source of income in renting. BC's Human Rights Commissioner says a landlord cannot decide on an application based on where the renter gets their money, as long as it is legal, and names social assistance and disability benefits as examples. Turning down a renter on disability assistance to avoid filling out forms is discrimination.
BC's privacy commissioner says it may be reasonable for a landlord to ask for proof of income or employment if you cannot give adequate references. Complaints go to the BC Human Rights Tribunal, not the Residential Tenancy Branch.
BC tenant rights guide | BC rental applications and references
Manitoba
No. Manitoba's Human Rights Code protects source of income, and the Manitoba Human Rights Commission says it is illegal for a landlord, rental agent or a tenant who sublets to refuse someone because of it, for example because they receive income assistance. Refusing someone only because they receive disability benefits may also be discrimination. Chronic low income can count under social disadvantage, but only where the treatment rests on a negative bias or stereotype.
A landlord may screen for ability to pay, income stability and suitability, and may ask about your employer, position and salary, but must assess each applicant individually. The Commission says you should be able to list income from all sources and offer a guarantor or co-signer, and that an ad asking for three months' rent as a deposit may shut out people on social assistance.
Saskatchewan
Not if you receive public assistance. Saskatchewan's Human Rights Code protects receipt of public assistance, which it defines narrowly: assistance under The Saskatchewan Assistance Act and benefits under The Saskatchewan Income Plan Act. Other income sources are not a listed ground. The Saskatchewan Human Rights Commission says an ad cannot say the landlord will only rent to people who are working, because that would shut out many people on public assistance.
The Commission also says a lack of rental or credit history should not be treated like a bad report. Under the Residential Tenancies Act, a security deposit guarantee from the minister responsible for The Saskatchewan Assistance Act counts as paying the deposit.
Ontario
Not if you receive public assistance. Ontario's Human Rights Code protects receipt of public assistance, such as social assistance, but not source of income in general. The Ontario Human Rights Commission notes that many people with low incomes, such as people earning low wages, are not covered by that ground, though minimum income rules and rent-to-income cut-offs can still be discriminatory. It says a cut-off such as 30% of income is illegal, and gives an ad saying a unit "suits a working person" as an example of discrimination.
A landlord can ask for income information only if they also ask for credit references, rental history and permission for a credit check, and must weigh them together. The Commission says a lack of rental or credit history should not count against you, and a landlord can require a guarantor only if every tenant must have one.
Ontario tenant rights guide | Ontario rental applications and references
New Brunswick
No. New Brunswick's Human Rights Act protects social condition, which includes source of income, occupation and level of education. The New Brunswick Human Rights Commission describes a case where a building manager told an applicant on social assistance there were no units for "people like you", and it was held to be discrimination based on source of income and disability. The Commission lists requiring a permanent job, a minimum income or a minimum time with an employer as discriminatory, and says rent-to-income ratios discriminate against young persons, low-income individuals and families, and other vulnerable groups.
A landlord may ask for income information, rental history, credit checks or guarantees, but not to exclude protected groups. A guarantor can be justified in certain cases, but not if it is required only to shut out people because of a protected ground.
New Brunswick tenant rights guide | How to report a landlord
Nova Scotia
No. Nova Scotia's Human Rights Act protects source of income in renting. The Nova Scotia Human Rights Commission gives refusing a renter whose income is Income Assistance, a student loan, Employment Insurance or other benefits as an example of discrimination. It also says renting to someone but making them pay rent in advance or a bigger deposit because of a protected characteristic is illegal.
Complaints go to the Commission within 12 months. The Act also bars a landlord from evicting or punishing you for making a complaint.
Prince Edward Island
No. PEI's Human Rights Act protects source of income in renting. The PEI Human Rights Commission says the ground is about where your income comes from, not how much it is, and that being refused accommodation because your main source of income is Financial Assistance is not allowed.
The Act also bars a landlord from evicting you for making a complaint. Complaints go to the Commission within one year.
Newfoundland and Labrador
Not if you receive income support. Newfoundland and Labrador's Human Rights Act protects source of income, but defines it only as income or employment support under the Income and Employment Support Act. The Human Rights Commission says a landlord should not discriminate because they disapprove of where your income comes from, such as Government Income Support or social assistance, and that an ad "looking for working people" could discriminate against people who cannot work because of a disability or who have retired.
The Act lets landlords use income information, credit checks, references, rental history and guarantees. The Commission says income information should be used only to check that you can pay, a lack of credit history alone should not be a reason to refuse, and a co-signer can be asked for because of poor references, bad credit or a history of default, but not because of a protected ground.
Newfoundland and Labrador tenant rights guide | How to report a landlord
Related questions
Can a landlord refuse someone on disability benefits?
Not because of the benefits in most provinces covered here. Alberta's Human Rights Commission gives refusing an applicant who receives AISH or other disability benefits as an example of discrimination, and BC's Human Rights Commissioner says a landlord cannot refuse someone on disability benefits. Manitoba's Commission says refusing someone only because they receive disability benefits may be discrimination based on source of income, disability or social disadvantage. In New Brunswick, refusing an applicant on social assistance was held to be discrimination based on source of income and disability.
Can a landlord use a rent-to-income ratio?
Often not as a hard cut-off. Alberta's Human Rights Commission lists screening with a rent-to-income ratio as an example of discrimination, and the Ontario Human Rights Commission says a cut-off such as 30% of income is illegal. New Brunswick's Commission says these ratios discriminate against young people, low-income people and families. Manitoba's Commission says any ratio should count income from all sources and let the applicant offer a guarantor.
Can a landlord ask for proof of income?
Yes, to check that you can pay the rent. Alberta's privacy commissioner says a landlord may ask for reasonable proof you can pay, and BC's says proof of income or employment may be reasonable if you cannot give adequate references. In Ontario, a landlord can ask for income information only together with credit references, rental history and permission for a credit check. Newfoundland and Labrador's Human Rights Commission says income information should be used only to check that you can pay.
Can a landlord ask me for a guarantor because I am on assistance?
Not because you are on assistance. The Ontario Human Rights Commission says a landlord can require a guarantor only if every tenant must have one, not just people receiving social assistance. Newfoundland and Labrador's Commission says a co-signer can be asked for because of poor references, bad credit or a history of default, but not because of a protected ground, and New Brunswick's says a guarantor requirement used only to exclude a protected group is discrimination. Manitoba's Commission says you should be able to offer a guarantor or co-signer.
Can a landlord advertise for working people only?
The human rights commissions in Saskatchewan, Ontario and Newfoundland and Labrador say this kind of ad can be discrimination. Saskatchewan's says an ad cannot say the landlord will only rent to people who are working, because it would shut out many people on public assistance. Ontario's gives an ad saying a unit "suits a working person" as an example, and Newfoundland and Labrador's says a "looking for working people" ad could discriminate against people who cannot work because of a disability or who have retired.
Can a landlord refuse me because I have no credit history?
A missing history should not be treated like a bad one. The Saskatchewan Human Rights Commission says a lack of rental or credit history should not be viewed the same as a negative report, and the Ontario Human Rights Commission says it should not be viewed negatively. Newfoundland and Labrador's Commission says a landlord should not reject someone only because they have no credit history.
Does a rent subsidy or housing benefit count as source of income?
In some provinces it clearly does. Alberta's Human Rights Commission gives refusing an applicant who receives rental subsidies as an example of discrimination, BC's Human Rights Commissioner says a landlord cannot decide based on where your money comes from as long as it is legal, and PEI's Commission says the ground is about where income comes from. In Saskatchewan, Ontario and Newfoundland and Labrador the ground covers only public assistance or income support, so ask your province's human rights commission how it applies to a particular benefit.
Is Employment Insurance or a student loan protected?
In Nova Scotia, yes: the Nova Scotia Human Rights Commission gives refusing a renter whose income is Employment Insurance or a student loan as an example of discrimination. BC protects any lawful source of income, and PEI's ground is about where income comes from. In Saskatchewan, Ontario and Newfoundland and Labrador the ground is limited to public assistance or income support, and Alberta's covers income that carries a social stigma but not wages, so check with the commission in your province.
Can a landlord ask for a bigger deposit because I am on assistance?
Not because of a protected ground. The Nova Scotia Human Rights Commission says making a tenant pay rent in advance or a bigger deposit because of a protected characteristic is illegal. Manitoba's Commission says an ad asking for three months' rent as a deposit may shut out people on social assistance. In Saskatchewan, a security deposit guarantee from the minister responsible for The Saskatchewan Assistance Act counts as paying the deposit.
What if I earn low wages and am not on assistance?
Protection depends on the province. Alberta's source of income ground does not cover employment wages, and Ontario's covers only people receiving public assistance, although the Ontario Human Rights Commission says minimum income rules and rent-to-income cut-offs can still be discriminatory. In Manitoba, chronic low income can count as social disadvantage where the treatment rests on a negative bias or stereotype. New Brunswick's Commission lists requiring a permanent job or a minimum income as discriminatory.
Where do I complain if a landlord refuses me because of my benefits?
To your province's human rights body, not the tenancy office. In Alberta it is the Alberta Human Rights Commission, within one year, and in BC the BC Human Rights Tribunal decides these complaints. Manitoba, Saskatchewan, New Brunswick, Nova Scotia, PEI and Newfoundland and Labrador each have a human rights commission; Nova Scotia's deadline is 12 months and PEI's is one year. In Ontario, start with the Ontario Human Rights Commission's rental housing guidance. Keep the ad, your application and any messages.
Government sources
- Alberta Human Rights Commission: Rental housing
- Alberta King's Printer: Alberta Human Rights Act
- Office of the Information and Privacy Commissioner of Alberta: Landlord and tenant guidance
- BC Office of the Human Rights Commissioner: Landlords
- BC Laws: Human Rights Code
- Office of the Information and Privacy Commissioner for BC: Guidance for landlords
- Government of Manitoba: The Human Rights Code
- Manitoba Human Rights Commission: Housing guideline
- Manitoba Human Rights Commission: Rental housing fact sheet
- Government of Saskatchewan: The Saskatchewan Human Rights Code, 2018
- Saskatchewan Human Rights Commission: Housing
- Government of Saskatchewan: The Residential Tenancies Act, 2006
- Government of Ontario: Human Rights Code
- Ontario Human Rights Commission: Policy on human rights and rental housing
- Ontario Human Rights Commission: Social and economic status
- Government of Ontario: O. Reg. 290/98, Business practices permissible to landlords
- Government of New Brunswick: Human Rights Act
- New Brunswick Human Rights Commission: Guideline on housing
- Nova Scotia Legislature: Human Rights Act
- Nova Scotia Human Rights Commission: Rental accommodations
- Government of PEI: Human Rights Act
- PEI Human Rights Commission: Areas and grounds of discrimination
- House of Assembly of Newfoundland and Labrador: Human Rights Act, 2010
- Newfoundland and Labrador Human Rights Commission: Guidelines on rental housing
General information, not legal advice. Rules change; check your province's tenancy office before acting.
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