Ontario rebates
$10,000+ in combined heat pump rebates
Federal and Ontario rebates combine for $10,000+. As of October 30, 2026, the main open program for GTA homeowners is Ontario's Home Renovation Savings Program: up to $7,500 for a cold-climate air-source heat pump in a home heated by electricity, oil, propane or wood, and up to $2,000 in a home heated by Enbridge natural gas. A new federal National Heat Pump Rebate ($2,000, or up to $10,000 for below-median-income households) was announced October 8, 2026 and is expected to open in early 2027. Toronto homeowners can also finance the rest through the City's HELP loan.
What's open right now
| Program | Status (Oct 30, 2026) | Heat pump amount | Who it's for |
|---|---|---|---|
| Ontario Home Renovation Savings (Enbridge Gas + Save on Energy) | Open, no published end date | Electric, oil, propane, wood: $1,250/ton, up to $7,500 air-source; up to $12,000 geothermal. Enbridge gas: $500/ton, up to $2,000 air-source; $3,000 geothermal | Ontario homeowners; detached, semi, townhome, row house |
| National Heat Pump Rebate (federal) | Announced; applications expected early 2027 | $2,000; up to $10,000 below median income | Eligible households installing an electric heat pump; can be combined with provincial programs |
| Toronto Home Energy Loan Program (HELP) | Open | Loan up to $125,000 or 10% of property value; 20-year term for heat pumps at 5.12% fixed (rates valid to Dec 31, 2026) | Toronto homeowners (postal code starting with M), low-rise homes |
| Save on Energy, Energy Affordability Program | Open, income-qualified | Free heat pump and insulation for eligible households | Lower-income Ontario households |
Programs that are closed (so you don't plan around them)
| Program | Closed |
|---|---|
| Canada Greener Homes Grant ($5,000) | February 2024 to new applicants |
| Canada Greener Homes Loan ($40,000 interest-free) | October 1, 2025 |
| Oil to Heat Pump Affordability (OHPA) direct intake | July 31, 2026 |
| Enbridge Home Efficiency Rebate Plus (HER+) | Replaced by Home Renovation Savings in January 2025 |
If a 2026 quote deducts the old $5,000 federal grant, ask the contractor to show you the program page.
The rules that cost people their rebate
- 01Pre-approval comes first. The heat pump must be pre-approved before it's installed. Installed first = no rebate.
- 02Your contractor must be on the program's participating list.
- 03The unit must be on Natural Resources Canada's qualified list as a cold-climate model.
- 04First heat pump only. Homes that already have a heat pump don't qualify for this rebate.
- 05One heat pump rebate per home, though up to three cold-climate units can count toward it.
- 06No new builds. The home must be occupied for at least six months.
- 07No energy audit needed for a heat-pump-only project.
- 08Rentals get less: a rented heat pump qualifies at $500/ton, up to $2,000.
Gas home or electric home? Why the number differs
Ontario pays more when a heat pump replaces electric resistance, oil, propane or wood, because the savings and emissions cut are larger. A typical 3-ton system works out like this:
| Your current heat | Ontario rebate (3-ton air-source) |
|---|---|
| Enbridge natural gas | $1,500 |
| Electric baseboard or furnace | $3,750 |
| Oil or propane | $3,750 |
A 6-ton or larger system in a non-gas home reaches the $7,500 cap. Most GTA houses need 2–4 tons.
The new federal rebate: what we know
On October 8, 2026, the federal government announced a $2 billion National Heat Pump Rebate. Eligible below-median-income households will get up to $10,000; other eligible households get $2,000. It works through an online portal, with approval promised within 24 hours and no energy audits before or after installation. It can be stacked with Ontario's program.
National Heat Pump Rebate at a glance
- Amount
- $2,000 for eligible households; up to $10,000 for eligible low- to median-income households
- Equipment
- Eligible cold-climate air-source heat pumps on the federal eligible products list
- Applications
- Open in early 2027 through an online portal; approval promised within 24 hours
- Retroactivity
- Qualifying installs from November 1, 2026 fall within the retroactivity period; eligibility rules still apply
- Energy audit
- Not required, before or after installation
- Stacking
- Can be combined with provincial programs, but each program's caps and rules decide the final total; maximums can't simply be added together
- Still pending
- Income thresholds, the final eligible model list and detailed rules (due November 1, 2026)
Installing this winter? You don't have to wait.
A qualifying heat pump installed on or after November 1, 2026 can count toward the federal rebate once applications open. You can still get Ontario's rebate now, as long as pre-approval comes first. For every install we keep what the federal portal is likely to ask for: matched indoor and outdoor model numbers, itemized invoices, receipts, commissioning records, photos and your Ontario pre-approval reference.
What we won't do
We won't deduct the federal rebate from your price as if it's guaranteed. Until the income thresholds and model list are final, your quote shows it as a separate, expected amount, and the federal administrator decides eligibility.
Toronto: pay the balance over 20 years
Toronto's HELP loan covers heat pumps, installation, required electrical upgrades and permits, repaid on your property tax bill. Heat-pump-only projects no longer need an EnerGuide assessment. Example: a $10,000 balance is about $45/month over 20 years (11 payments a year), per the City's published table. The loan stays with the property if you sell.
Source: City of Toronto HELPCheck your number
Rebate checker
Get my full quoteYour Ontario rebate estimate
$1,250–$1,750
Homes like yours usually qualify for $1,250–$1,750 from Ontario, plus the federal rebate when it opens.
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