TorontoHouses built before 1970

Finishing the basement of an older Toronto house

Most Toronto houses built before 1970 can be finished, but four things get checked before any design is drawn: the ceiling height, the foundation, the wiring and the drains. Where the ceiling is too low, underpinning runs $60,000 to $120,000 and a bench footing is the cheaper way to gain height. Everything else is a line on the quote, not a reason to walk away.

The ceilingHeight decides the plan

The first thing we do in a Victorian semi or a 1950s bungalow is stand up straight and measure. The joists in a lot of central Toronto houses sit lower than a new build, and the ducts and beams underneath them lower again. The Ontario Building Code lets a basement second unit have a ceiling of 1.95 m over its required floor area, including the route to the exit, and that figure is the practical floor for any basement you want to use every day. Above it, we design around the beams and box in the ducts. Below it, the floor has to go down.

Two ways to do that. Underpinning digs beneath the existing footings in short sections and pours new concrete under them, so the whole basement floor drops and the walls stay flush. A bench footing pours a stepped concrete ledge inside the walls instead; it is faster and cheaper, and it costs you a bench of floor area along each wall. We draw both in 3D before you choose.

The permit drawings for either are prepared and stamped by a licensed structural engineer, and in Toronto the underpinning permit is priced per linear metre of wall. Read the full comparison on our bench footing versus underpinning page and the price detail on underpinning cost in Toronto.

The foundationRubble, block and water

Pre-war Toronto foundations are often rubble stone set in lime mortar, and the post-war ones concrete block. Both breathe. They let moisture through in a way a modern wall does not, and they shed mortar and parging when they are disturbed, which an underpinning crew will do.

We treat waterproofing as part of the finished basement, not a separate emergency. In an older house that means dealing with the walls before the studs go up: repointing where the mortar has gone, an interior membrane and drainage where water has shown up, a sump where the grade sends water toward the house. Then the framing goes in, wood studs with metal tracks held off the wall, insulated and vapour sealed, so the finished basement is dry because the wall behind it was dealt with, not because the drywall is hiding it. Our waterproofing guide walks through what each symptom usually means.

The wiringKnob and tube, sixty years on

Knob and tube wiring was used in houses from the early 1900s to the 1940s, and the Electrical Safety Authority notes that the current code is not retroactive, so plenty of it is still in service behind Toronto plaster. ESA's position is measured: the wiring can be safe when a Licensed Electrical Contractor has looked after it, and it lacks modern protections such as ground fault interrupters, and many insurers will not provide or renew coverage on a house that still has it. A finished basement changes the picture, because the new circuits for the pot lights, the bathroom and the bar have to connect to something.

Our electrical work is done by a Licensed Electrical Contractor, reported to ESA before it starts and inspected before the walls close, with the Certificate of Acceptance in your file. Where knob and tube runs through the basement ceiling, the quote shows the cost of replacing it as its own line, so you decide with the number in front of you rather than after the drywall is up.

The drainsClay pipe and the backwater valve

The sewer lateral under an older Toronto house is often vitrified clay laid in short sections, and the joints are where roots get in. A basement bathroom adds a fixture below grade, which is exactly where a surcharged city sewer pushes back during a storm. So the drains get looked at before the bathroom is placed in the 3D design, not after the tile is down.

The City requires a building permit to install a backwater valve and inspects it before it is covered, and it subsidizes the work. When a camera inspection shows a lateral that is failing, we tell you, and the repair or lining is priced as its own line. When it is sound, the bathroom goes where the plan wants it. Either way the basement bathroom is built once.

Finished basement hallway with a mirror and oak floors by Desire Basements
White basement TV wall with crown moulding and built ins by Desire Basements

What an older house adds to the quote

FigureLineWhat it covers
about $67,800Standard finish, 1,000 sq ftWith a three-piece bathroom, before HST, from the same quote sheet as every Desire basement. Permit drawings, 3D design, demolition and bin, ESA inspection and the lifetime workmanship warranty are included. Price your size.
$60,000 to $120,000UnderpinningLowering the floor under the existing footings to gain full ceiling height, engineered and permitted. The spread reflects the length of wall, the soil and the access.
Less than underpinningBench footingA stepped concrete ledge inside the walls instead of beneath them. Cheaper and faster, at the cost of floor area along each wall. Compared in full on the bench footing page.
Its own lineKnob and tube, drains, repointingEach is measured on the site visit and priced separately, so the quote for an older house reads like the quote for a new one with a few more rows, each one explained.

Ranges reflect Desire Basements quotes and published 2026 GTA market pricing. Municipal fees are the City's and are listed in the notes above.

An old house tells you the truth the day the plaster comes off. We would rather hear it on the first visit.

Desire Basements, since 2017

About older houses.

Can a basement in a pre 1970 Toronto house be finished at all?

Almost always. The four things that decide the plan are ceiling height, the foundation, the wiring and the drains. Each is checked on the site visit, drawn into the 3D design and priced as its own line, and only a ceiling that is too low changes the cost in a big way.

What ceiling height does a basement need in Ontario?

The Ontario Building Code permits a basement second unit to have a ceiling height of 1.95 m over its required floor area, including the route to the exit. We use that figure as the working minimum for any basement meant for daily use, and we design around beams and ducts above it.

How much does underpinning cost in Toronto?

$60,000 to $120,000 for a typical house, engineered and permitted, with Toronto's permit fee charged per linear metre of wall. A bench footing costs less and keeps the footings where they are. Both are drawn in 3D before you choose.

Do I have to replace knob and tube wiring to finish the basement?

The Electrical Safety Authority does not require replacement on its own, but many insurers will not provide or renew coverage while it remains, and the new basement circuits need a modern panel to land on. We price the replacement as its own line so the decision is made with the number in front of you.

Is there help with the cost of a backwater valve or sump pump?

Yes. The City of Toronto's Basement Flooding Protection Subsidy Program covers up to 80 percent of the invoiced cost, to a maximum of $1,600 per backwater valve (two devices) and $2,250 for a sump pump, up to $6,650 per property, for work completed on or after November 12, 2025. A building permit is required and the valve is inspected before it is covered.

Let us measure
the old one.

A free estimate at your home, a 3D design that works with the house you have, and a quote with every line on it within 24 to 48 hours.