Methodology: Room rents reflect an average of values provided to the Globe by rental listings sites Roomies.ca and Rentals.ca. The price of a typical home reflects CREA's benchmark home price. We assumed a three per cent annual rate of inflation for both rent and home prices. The downpayment needed to buy a home represents a 10-per-cent down payment except in cities where the value of a typical home is $1 million or more, which requires a down payment of at least 20 per cent.