Canadian Forces Housing Differential (Effective 1 July 2023)

Will your CFHD monthly payment (effective 1 July 2023) be less than your monthly PLD payment amount as of 30 May 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 30 May 2023) are lesser in value than their upcoming CFHD payments (effective 1 July 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. 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 of 2023, with implementation taking effect 1 July 2023.

 

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.

Effective 1 July 2023

Please note that the Canadian Forces Housing Differential comes into effective 1 July 2023.

Canadian Forces Housing Differential Amounts

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 0-3699
2 3700-5499
3 5500-6499
4 6500-6899
5 6900-7099
6 7100-7299
7 7300-7499
8 7500-7699
9 7700-7899
10 7900-8099
11 8100-8299
12 8300-8499
13 8500-8699
14 8700-8899
15 8900-9099
16 9100-9299
17 9300-9499
18 9500-9699
19 9700-9899
20 >9899

*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- 112.85
2 112.86 - 167.77
3 167.78 - 198.28
4 198.29 - 210.49
5 210.50 - 216.59
6 216.60 - 222.69
7 222.70 - 228.79
8 228.80 - 234.89
9 234.90 - 241.00
10 241.01 - 247.10
11 247.11 - 253.20
12 253.21 - 259.30
13 259.31 - 265.40
14 265.41 - 271.50
15 271.51 - 277.61
16 277.62 - 283.71
17 283.72 - 289.81
18 289.82 - 295.91
19 295.92 - 302.01 
20 > 302.01
* As set out in the relevant table to CBI 204 – Pay of Officers and Non-Commissioned Members

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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 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cold Lake 650 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Edmonton 850 500 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Lethbridge 700 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Medicine Hat 550 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Medley 650 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Red Deer 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Suffield 550 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Wainwright 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 2500 2150 1700 1450 1350 1300 1250 1200 1150 1100 1050 1000 950 900 850 800 750 700 650 600
Chilliwack 1150 800 350 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Comox 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Esquimalt 1850 1500 1050 800 700 650 600 550 500 450 400 350 300 250 200 150 100 50 0 0
Kamloops 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kamloops 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kelowna 1800 1450 1000 750 650 600 550 500 450 400 350 300 250 200 150 100 50 0 0 0
Nanaimo 1400 1050 600 350 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0 0
Nanoose 1400 1050 600 350 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0 0
New Westminster 2500 2150 1700 1450 1350 1300 1250 1200 1150 1100 1050 1000 950 900 850 800 750 700 650 600
Vancouver 2500 2150 1700 1450 1350 1300 1250 1200 1150 1100 1050 1000 950 900 850 800 750 700 650 600
Victoria 1850 1500 1050 800 700 650 600 550 500 450 400 350 300 250 200 150 100 50 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 650 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Portage la Prairie 600 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shilo 650 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Winnipeg 850 500 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 550 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Burton 900 550 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Fredericton 900 550 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gagetown 900 550 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Moncton 750 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Saint John 900 550 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 500 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Gander 450 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
St John's 900 550 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 1000 650 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cape Breton 900 550 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Dartmouth 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
Greenwood 500 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Halifax 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
Pictou 750 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shearwater 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
Truro 750 400 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Yarmouth 550 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
Brampton 1700 1350 900 650 550 500 450 400 350 300 250 200 150 100 50 0 0 0 0 0
Brantford 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Brockville 1200 850 400 150 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Cambridge 1450 1100 650 400 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0
Cornwall 950 600 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Downsview 1850 1500 1050 800 700 650 600 550 500 450 400 350 300 250 200 150 50 0 0 0
Guelph 1650 1300 850 600 500 450 400 350 300 250 200 150 100 50 0 0 0 0 0 0
Hamilton 1500 1150 700 450 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0
Kenora 1100 750 300 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Kingston 1300 950 500 250 150 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0
Kitchener 1450 1100 650 400 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0
London 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Meaford 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
National Capital Region 1500 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
North Bay 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Oshawa 1700 1350 900 650 550 500 450 400 350 300 250 200 150 100 50 0 0 0 0 0
Owen Sound 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Petawawa 950 600 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sault Ste Marie 800 450 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
St Catharines 1450 1100 650 400 300 250 200 150 100 50 0 0 0 0 0 0 0 0 0 0
St. Thomas 1250 900 450 200 100 50 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sudbury 1000 650 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Thunder Bay 950 600 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Toronto 1850 1500 1050 800 700 650 600 550 500 450 400 350 300 250 200 150 50 0 0 0
Trenton 1000 650 200 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Willowdale 1850 1500 1050 800 700 650 600 550 500 450 400 350 300 250 200 150 50 0 0 0
Windsor 1050 700 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 1050 700 250 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Longue-Pointe 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
Mirabel 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
Montreal 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
Quebec City 650 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Rimouski 700 350 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Rouyn Noranda 550 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sept-Iles 450 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Shawinigan 500 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Sherbrooke 900 550 100 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
St-Hyacinthe 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
St-Jean-sur-Richelieu 1550 1200 750 500 400 350 300 250 200 150 100 50 0 0 0 0 0 0 0 0
Trois-Rivières 500 150 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Valcartier 650 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0

(TB 9 March 2023, effective 1 July 2023)

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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 650 300 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Regina 700 350 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 9 March 2023, effective 1 July 2023)

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