{"id":88999,"date":"2024-08-21T13:15:08","date_gmt":"2024-08-21T17:15:08","guid":{"rendered":"https:\/\/www.rbcroyalbank.com\/en-ca\/?post_type=rbc_my_money_matter&#038;p=88999"},"modified":"2024-08-26T13:19:52","modified_gmt":"2024-08-26T17:19:52","slug":"how-to-convert-your-basement-into-a-legal-rental-apartment","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/home-building-and-renovations\/how-to-convert-your-basement-into-a-legal-rental-apartment\/","title":{"rendered":"How to convert your basement into a legal rental apartment"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/remodeling-your-home\/\">\n\t\t\t\t\t\t\t<span>Remodeling your Home<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">How to convert your basement into a legal rental apartment<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Royal Bank of Canada<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/HEF-CONSTRUCTION-MORTGAGE_STILL3_930620.jpg?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Illustration of the three levels in the house\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/HEF-CONSTRUCTION-MORTGAGE_STILL3_930620.jpg 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/HEF-CONSTRUCTION-MORTGAGE_STILL3_930620.jpg?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2024\/08\/HEF-CONSTRUCTION-MORTGAGE_STILL3_930620.jpg?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to convert your basement into a legal rental apartment &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/home-building-and-renovations\/how-to-convert-your-basement-into-a-legal-rental-apartment\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/home-building-and-renovations\/how-to-convert-your-basement-into-a-legal-rental-apartment\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published August 21, 2024 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-rbc-block drop-shadow pos-rel top-line-blue block-wpr  mar-b-hlf\">\n<div class=\"wp-block-rbc-rbc-block-inner-block block-inner\">\n<h4 class=\"wp-block-heading\" id=\"h-tldr\">TLDR<\/h4>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>A legal basement apartment in Canada must adhere to provincial building and fire codes, electric safety standards and municipal by-laws.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>All basement apartments must have at least two exits for fire safety \u2013 one of which can be a window.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Renting out an illegal basement apartment can result in hefty fines charged to the landlord so always check with your local municipality to ensure that you are compliant.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Basement apartments typically offer a 75% return on investment over time.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Obtain quotes and find a builder\/general contractor that you\u2019re comfortable working with \u2013 they can evaluate your space and advise you on the specific regulations of your municipality.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>As Canadians look for alternative housing options \u2013 and existing homeowners seek ways to balance the increased costs of ownership \u2013 basement apartments represent a practical solution. They can be more affordable for renters as well as relatively straightforward conversion projects for homeowners. However, creating a basement apartment involves more than putting down flooring and adding some plumbing.&nbsp; There are in fact several factors that make a basement apartment legal in Canada, and many considerations for homeowners to take into account as they think about converting their residence.<\/p>\n\n\n\n<p><strong>If you\u2019re considering converting your basement into a legal apartment, here are answers to six frequently asked questions.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What makes a basement apartment legal in Canada?<\/h3>\n\n\n\n<p>In Canada, building and fire codes are provincially regulated, so each province will have its own requirements that must be met to deem a basement apartment \u201clegal.\u201d In addition, municipalities may have separate and specific by-laws that must be complied with. For the most part, regulations will dictate the following specifications:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Minimum square footage and ceiling height<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Minimum size and number of windows<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Plumbing basics \u2013 such as hot and cold water, essential fixtures, sinks and access to laundry<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Heating and ventilation requirements<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Kitchen and bathroom specifications<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Proper fire separation, escape plans and the installation of smoke and carbon monoxide detectors<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Electrical safety, such as grounded electrical plugs, GFCI outlets, etc.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Proper exit pathways<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">What is an illegal basement apartment?<\/h3>\n\n\n\n<p>An illegal basement apartment is one that violates any of the required codes or hasn\u2019t been registered with your local municipality. If you have redeveloped your home to have a basement apartment in an area where it\u2019s not allowed, that would also be considered illegal.<\/p>\n\n\n\n<p>While there are surely illegal basement apartments across Canada, cutting corners is not worth the risk \u2013 to your tenants or to yourself. Keep in mind, regulations are in place to keep tenants safe, and prospective renters have a right to request documentation that confirms that the unit is in compliance with all relevant codes. If you\u2019re caught renting out an apartment that doesn\u2019t meet all the requirements, you could face steep fines.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Does a basement apartment need two exits?<\/h3>\n\n\n\n<p>Yes. Every basement apartment must provide a means of escape in the event of a fire. One could be a window, as long as it can be easily opened from the inside and is large enough for an adult to fit through. It is the landlord\u2019s responsibility to ensure all exits, including windows, are in full working order at all times.<\/p>\n\n\n\n<p>In some provinces, a basement apartment must have a separate entrance to the outside. In others, a common or shared exit is allowed, as long as there is a second exit that leads to an open space. Check with your local municipality on what is required for your property.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much does it cost to create a basement apartment?<\/h3>\n\n\n\n<p>The cost to build a basement apartment will vary considerably depending on the current state of your basement. If you already have plumbing, large enough windows and a sufficiently high ceiling, it will cost less to convert than a completely unfinished basement.<\/p>\n\n\n\n<p>Keep in mind, even if you have a finished basement, you may have a lot of work ahead to convert your space into a legal apartment. As you evaluate the costs and effort, consider that the apartment needs a full bathroom, kitchen, independent entrance and systems that adhere to building and fire codes.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How much does a basement apartment add to a home\u2019s value?<\/h3>\n\n\n\n<p>For many prospective homebuyers, buying a home with a finished basement is highly appealing. When the basement could be an opportunity to earn rental income or be used as a space to house aging parents or older children, the space can be even more attractive.<\/p>\n\n\n\n<p>While real estate experts suggest that homeowners may not recoup 100% of the costs put into a basement apartment conversion, a <a href=\"https:\/\/capablegroupinc.ca\/the-impact-of-a-finished-basement-adding-value\/#:~:text=The%20average%20cost%20of%20basement,around%2070%25%20to%2080%25.\" target=\"_blank\" data-dig-id=\"LP-88999-47f2b057\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"common sentiment\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">common sentiment<\/a> is that you could see a 75% return on investment. So, if you spent $50,000 on retrofitting your basement, you could expect to get $37,500 back upon the resale of your home. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Where do I start?<\/h3>\n\n\n\n<p>Building a basement apartment in your home can be a complex undertaking \u2013 so getting professional assistance is a must! Obtaining a few quotes and finding a builder\/general contractor that you\u2019re comfortable working with is an important first step \u2013 they can evaluate your space, advise you on the specific regulations of your province and municipality and help you get the permits you need to get started.<\/p>\n\n\n\n<p>Getting your financing in order is critical, and you should do this before you embark on your project (or sign any agreements). The <a href=\"http:\/\/www.rbc.com\/constructionmortgage\" data-dig-id=\"LP-88999-9c2532b0\" data-dig-category=\"LP\" data-dig-action=\"link click\" data-dig-label=\"RBC Construction Mortgage\" class=\"rbc-link-format\">RBC Construction Mortgage<\/a> program, which is designed to help homeowners add new housing units to their property, could be the perfect financing solution for you.\u00a0 An RBC Mortgage Specialist can also offer the support you need throughout your construction project.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-7424e709-b7b7-4270-b349-3aa9f506ae1e\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=How to convert your basement into a legal rental apartment &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/home-building-and-renovations\/how-to-convert-your-basement-into-a-legal-rental-apartment\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/goals-aspirations\/buying-a-home\/home-building-and-renovations\/how-to-convert-your-basement-into-a-legal-rental-apartment\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-2b57cdc4-fe6f-4f75-b7c7-a8f784abddad\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/home-ownership\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Home Ownership<\/a>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/remodeling-your-home\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Remodeling your Home<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl mar-t-0\" id=\"h-read-this-next\">Read This Next<\/h2>\n\n\n\t\t\t<div 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mob-mar-b-0 pad-l-0\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2072514095_fbde76.jpg?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Girl in raincoat and rubber boats\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2072514095_fbde76.jpg 3840w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2072514095_fbde76.jpg?resize=300,169 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2072514095_fbde76.jpg?resize=768,432 768w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2025\/02\/shutterstock_2072514095_fbde76.jpg?resize=1024,576 1024w, 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class=\"card-title h4 mar-t-0\">Actions to Help Protect Your Home from Extreme Weather Events [Infographics]<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<\/article>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n<\/section>\n<style class=\"advgb-styles-renderer\">\n\t\t.wp-block-tk-spacer.id-7424e709-b7b7-4270-b349-3aa9f506ae1e {\n\t\theight: 96px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-7424e709-b7b7-4270-b349-3aa9f506ae1e {\n\t\t\theight: 30px;\n\t\t}\n\t}\t\n\t\t.wp-block-tk-spacer.id-2b57cdc4-fe6f-4f75-b7c7-a8f784abddad {\n\t\theight: 60px;\n\t}\n\n\t@media ( max-width: 480px ) {\n\t\t.wp-block-tk-spacer.id-2b57cdc4-fe6f-4f75-b7c7-a8f784abddad {\n\t\t\theight: 30px;\n\t\t}\n\t}\t<\/style>","protected":false},"excerpt":{"rendered":"<p>As Canadians look for alternative housing options \u2013 and existing homeowners seek ways to balance the increased costs of ownership \u2013 basement 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