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 1^st, 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 2023)
2024 CFHD Rates (Effective 1 July 2024)

Current CFHD rates (Effective 1 July 2023)

Please note that the following rates Canadian Forces Housing Differential are currently in effect.

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

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

Place of Duty / Pay Level	1	2	3	4	5	6
Calgary	1250	900	450	200	100	50
Cold Lake	650	300	0	0	0	0
Edmonton	850	500	50	0	0	0
Lethbridge	700	400	0	0	0	0
Medicine Hat	550	200	0	0	0	0
Medley	650	300	0	0	0	0
Red Deer	700	350	0	0	0	0
Suffield	550	200	0	0	0	0
Wainwright	300	0	0	0	0	0

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

Place of Duty / Pay Level	1	2	3
Brandon	650	300	0
Portage la Prairie	600	250	0
Shilo	650	300	0
Winnipeg	850	500	50

Place of Duty / Pay Level	1	2	3
Bathurst	550	200	0
Burton	900	550	100
Fredericton	900	550	100
Gagetown	900	550	100
Moncton	750	400	0
Saint John	900	550	100

Place of Duty / Pay Level	1	2	3
Corner Brook	500	150	0
Gander	450	100	0
St John's	900	550	100

Place of Duty / Pay Level	1	2	3	4	5	6	7	8	9	10	11	12
Bridgewater	1000	650	200	0	0	0	0	0	0	0	0	0
Cape Breton	900	550	100	0	0	0	0	0	0	0	0	0
Dartmouth	1550	1200	750	500	400	350	300	250	200	150	100	50
Greenwood	500	150	0	0	0	0	0	0	0	0	0	0
Halifax	1550	1200	750	500	400	350	300	250	200	150	100	50
Pictou	750	400	0	0	0	0	0	0	0	0	0	0
Shearwater	1550	1200	750	500	400	350	300	250	200	150	100	50
Truro	750	400	0	0	0	0	0	0	0	0	0	0
Yarmouth	550	200	0	0	0	0	0	0	0	0	0	0

Place of Duty / Pay Level	1	2	3	4	5	6	7	8	9	10	11	12	13	14	15	16	17
Borden	1550	1200	750	500	400	350	300	250	200	150	100	50	0	0	0	0	0
Brampton	1700	1350	900	650	550	500	450	400	350	300	250	200	150	100	50	0	0
Brantford	1250	900	450	200	100	50	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
Cambridge	1450	1100	650	400	300	250	200	150	100	50	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
Downsview	1850	1500	1050	800	700	650	600	550	500	450	400	350	300	250	200	150	50
Guelph	1650	1300	850	600	500	450	400	350	300	250	200	150	100	50	0	0	0
Hamilton	1500	1150	700	450	350	300	250	200	150	100	50	0	0	0	0	0	0
Kenora	1100	750	300	50	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
Kitchener	1450	1100	650	400	300	250	200	150	100	50	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
Meaford	1250	900	450	200	100	50	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
North Bay	1250	900	450	200	100	50	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
Owen Sound	1250	900	450	200	100	50	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
Sault Ste Marie	800	450	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
St. Thomas	1250	900	450	200	100	50	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
Thunder Bay	950	600	100	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
Trenton	1000	650	200	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
Windsor	1050	700	250	0	0	0	0	0	0	0	0	0	0	0	0	0	0

Place of Duty / Pay Level	1	2	3	4	5	6	7	8	9	10	11	12
Bagotville	700	350	0	0	0	0	0	0	0	0	0	0
Longue-Pointe	1550	1200	750	500	400	350	300	250	200	150	100	50
Mirabel	1550	1200	750	500	400	350	300	250	200	150	100	50
Montreal	1550	1200	750	500	400	350	300	250	200	150	100	50
Quebec City	650	300	0	0	0	0	0	0	0	0	0	0
Rimouski	700	350	0	0	0	0	0	0	0	0	0	0
Rouyn Noranda	550	150	0	0	0	0	0	0	0	0	0	0
Sept-Iles	450	100	0	0	0	0	0	0	0	0	0	0
Shawinigan	500	150	0	0	0	0	0	0	0	0	0	0
Sherbrooke	900	550	100	0	0	0	0	0	0	0	0	0
St-Hyacinthe	1550	1200	750	500	400	350	300	250	200	150	100	50
St-Jean-sur-Richelieu	1550	1200	750	500	400	350	300	250	200	150	100	50
Trois-Rivières	500	150	0	0	0	0	0	0	0	0	0	0
Valcartier	650	300	0	0	0	0	0	0	0	0	0	0

Place of Duty / Pay Level	1	2
Dundurn	700	350
Moose Jaw	650	300
Regina	700	350
Saskatoon	700	350

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

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

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

Canadian Forces Housing Differential

Transcript

Canadian Forces Housing Differential Amounts

Current CFHD rates (Effective 1 July 2023)

Regular Force and Class C Reserve service

Class B Reserve service

British Columbia

2024 CFHD rates (effective 1 July 2024)

Regular Force and Class C Reserve service

Class B Reserve service

Alberta

British Columbia

Manitoba

Newfoundland and Labrador

New Brunswick

Nova Scotia

Ontario

Prince Edward Island

Quebec

Saskatchewan

Resources

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