Habitat for Humanity Halton-Mississauga-Dufferin
STAR RATINGCi's Star Rating is calculated based on the following independent metrics: |
✔+
FINANCIAL TRANSPARENCY
Audited financial statements for current and previous years available on the charity’s website.
A
RESULTS REPORTING
Grade based on the charity's public reporting of the work it does and the results it achieves.
n/r
DEMONSTRATED IMPACT
The demonstrated impact per dollar Ci calculates from available program information.
NEED FOR FUNDING
Charity's cash and investments (funding reserves) relative to how much it spends on programs in most recent year.
47%
CENTS TO THE CAUSE
For a dollar donated, after overhead costs of fundraising and admin/management (excluding surplus) 47 cents are available for programs.
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OVERVIEW
About Habitat for Humanity Halton-Mississauga-Dufferin:
Habitat for Humanity Halton-Mississauga-Dufferin is a 4-star charity. It has an A Results Reporting grade, which is above average. For every dollar donated, 47 cents are available to go to the cause, which is outside Ci's reasonable range.
Founded in 1999, Habitat for Humanity Halton-Mississauga-Dufferin (Habitat HFD) is one of Habitat for Humanity Canada’s 46 local affiliates. Habitat for Humanity Canada (HFHC) offers safe and affordable housing for low-income families living in unstable, overcrowded, unsafe, or substandard housing conditions. Habitat Builds is the charity’s keystone home ownership program. Through this program, Habitat HMD offers no-interest, no-profit home mortgages to families in need. The charity caps mortgages at 30% of total family income. In return for a Habitat home, partner families must complete 500 volunteer hours of ‘sweat equity’ with Habitat for Humanity – the charity treats the volunteer hours as the down payment for the Habitat home.
At the time of this update, Habitat HMD’s 2024 annual report was not yet available. While financial results refer to 2024, program results refer to 2023.
In 2023, Habitat for Humanity Halton-Mississauga-Dufferin added 23 affordable units to its developer pipeline. The charity reports that since 1999, it has built 68 family homes and 15 tiny homes.
In 2022, Habitat HMD began a Tiny Homes program. The charity partners with construction organizations and schools to build homes for Indigenous communities. In 2023, Habitat HMD completed five tiny homes and had five more in progress to be completed in 2024.
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Results and Impact
In March 2025, Deloitte conducted an impact analysis of Habitat for Humanity Canada (evaluating the impact of Habitat Homes, which are built by Habitat affiliates).
The report states that from 2006 to 2023, on average, families earned an additional $7.5k annually in real income since moving into their Habitat home. Since 2006, Habitat Canada’s Homeownership program has helped people earn an additional total $64.8 million in income relative to if they had continued renting. Deloitte states that going forward, Habitat’s existing homeowners are expected to lift Canada’s GDP by an addition $35.7 million each year.
The report surveyed families in Habitat’s Homeownership program across Canada. Since moving into their Habitat home:
73% of families report better physical health,
79% of families report better mental health,
51% of families report better financial security,
30% of individuals report having more time to earn income,
and 50% of parents report their children are doing better in school.
While Ci highlights these key results, they may not be a complete representation of Habitat for Humanity Halton-Mississauga-Dufferin’s results and impact.
This charity is not yet rated on impact. This shows as n/r and does not affect the star rating.
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Finances
Habitat for Humanity Halton-Mississauga-Dufferin’s audited financial statements use line-item costing, which is not a best practice. Ci allocated line-item expenses to their appropriate cost bucket as best fit.
Habitat for Humanity Halton-Mississauga-Dufferin received $1.4m in donations in 2024. The charity also received $842k in mortgage and rental payments, and $502k in ReStore revenue, net of expenses. The charity spent $2.4m on its programs and grants, which is 81% of revenue, and recorded a deficit of $589k.
HFHH spent $396k on fundraising, which is 28% of donations, and $744k on administration, which is 25% of revenue (excluding investment income). Total overhead spending is 53%. For every dollar donated, 47 cents are available to go to the cause, which is outside of Ci’s reasonable range.
HFHH has ($5.3m) in reserve funds, as the charity’s interest-bearing debts outweigh its cash and investments. This results in a negative program cost coverage ratio, which is within Ci’s reasonable range. The charity’s gross reserve funds (just cash and investments) can cover annual program costs for four months.
This charity report has been sent to Habitat for Humanity Halton-Mississauga-Dufferin for review.
Updated on August 26, 2025 by Liam Chapleau.
Financial Review
Fiscal year ending December
|
2024 | 2023 | 2022 |
|---|---|---|---|
| Administrative costs as % of revenues | 25.4% | 20.6% | 10.2% |
| Fundraising costs as % of donations | 27.9% | 45.6% | 42.2% |
| Total overhead spending | 53.3% | 66.2% | 52.3% |
| Program cost coverage (%) | (220.9%) | (228.7%) | (218.4%) |
Summary Financial StatementsAll figures in $s |
2024 | 2023 | 2022 |
|---|---|---|---|
| Donations | 1,421,770 | 936,769 | 1,128,307 |
| Goods in kind | 0 | 0 | 31,419 |
| Government funding | 157,919 | 126,409 | 133,187 |
| Fees for service | 842,044 | 735,435 | 727,367 |
| Business activities (net) | 502,398 | 1,428,984 | 2,202,588 |
| Investment income | 5,821 | 3,228 | 0 |
| Other income | 1,147 | 900 | 18,390 |
| Total revenues | 2,931,099 | 3,231,725 | 4,241,258 |
| Program costs | 2,376,358 | 2,046,215 | 2,172,946 |
| Grants | 3,300 | 14,605 | 8,184 |
| Donated goods exp | 0 | 0 | 31,419 |
| Administrative costs | 744,173 | 664,186 | 430,835 |
| Fundraising costs | 396,416 | 427,276 | 475,876 |
| Other costs | 0 | 0 | 5,686 |
| Total spending | 3,520,247 | 3,152,282 | 3,124,946 |
| Cash flow from operations | (589,148) | 79,443 | 1,116,312 |
| Capital spending | 282,814 | 127,087 | 278,231 |
| Funding reserves | (5,256,931) | (4,713,463) | (4,763,507) |
Note: 1. ReStore: Ci included ReStore expenses within business activities, affecting revenue and expenses by ($5.1m) in 2024, ($4.6m) in 2023, and ($4.2m) in 2022. 2. Repayments of Mortgages Receivable: Ci included repayments of mortgages receivable within fees for service, which affected revenue by $253k in 2024, $146k in 2023, and $218k in 2022. 3. Deferred Contributions: Ci included deferred contributions from partner families within fees for service, which affected revenue by $59k in 2024, $234k in 2023, and $167k in 2022. 4. Revenue Below the Line: Ci included investment income and government subsidies within revenue, which was reported below the line. 5. Properties in Progress and Held For Sale: Ci included the cost of properties in progress and held for sale, from the charity’s cash flow statement, within program costs. This affected expenses by $842k in 2024, $643k in 2023, and $1.0m in 2022.
Salary Information
$350k + |
0 |
$300k - $350k |
0 |
$250k - $300k |
0 |
$200k - $250k |
0 |
$160k - $200k |
1 |
$120k - $160k |
1 |
$80k - $120k |
1 |
$40k - $80k |
7 |
< $40k |
0 |
Information from most recent CRA Charities Directorate filings for F2023
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Comments & Contact
Comments added by the Charity:
Charity Contact
This email address is being protected from spambots. You need JavaScript enabled to view it. Tel: 905-637-4446