Rising housing costs pose challenges for Canadians trying to form independent households, particularly for those that wish to own their home rather than rent it. This is especially true for immigrants, who have had lower homeownership rates than the Canadian-born since the 1980s. This paper investigates the impacts of housing affordability and the three elements of the housing pathways framework—economic resources, family composition, and cultural variations—on household formation and homeownership differences between five racialized immigrant groups and the Canadian-born. Using Public Use Census data and a “difference in difference” analytical approach, we assess the housing progress of six groups (five foreign-born, one native-born) between 2006 and 2016. We find that housing affordability does not hinder immigrants in forming independent households, suggesting that many immigrants may be willing to earmark a greater share of their incomes to live independently in either rented or owned accommodations. Furthermore, we show that, even after controlling for a range of socioeconomic factors related to housing pathways, residential choices remain largely unexplained, both within and across groups.

不断上涨的住房成本给试图组建独立家庭的加拿大人带来了挑战，特别是对于那些希望拥有自己的房屋而不是租房的人。对于移民来说尤其如此，他们自 1980 年代以来的住房拥有率低于加拿大出生的人。本文调查了住房负担能力和住房途径框架的三个要素——经济资源、家庭组成和文化差异——对五个种族化移民群体与加拿大出生的家庭形成和房屋所有权差异的影响。使用公共使用普查数据和“差异差异”分析方法，我们评估了 2006 年至 2016 年间六组（5 组外国出生，1 组本地出生）的住房进展情况。我们发现，住房负担能力不会阻碍移民组建独立家庭，这表明许多移民可能愿意将其收入的更大份额指定用于在租用或拥有的住所中独立生活。此外，我们表明，即使在控制了一系列与住房途径相关的社会经济因素之后，无论是在群体内部还是群体之间，居住选择在很大程度上仍然无法解释。