Ontario Home Renovation Rebates & Incentives for Toronto Homeowners

The City expanded this program as of May 1, 2026, nearly doubling the previous maximum. Available to all Toronto homeowners — no income testing. Covers: backwater valve (up to $1,600), sump pump (up to $2,250), sump pump battery backup (up to $300), home plumbing assessment (up to $500, 80% of invoiced cost), and downspout disconnection and window well covers.

Work must be done by a licensed plumber and permits are required for the backwater valve and sump pump. The City reimburses after inspection and approval. The expanded subsidy amounts apply to eligible work completed on or after November 12, 2025.

A Property Assessed Clean Energy (PACE) financing program. You borrow money from the City for energy efficiency upgrades and repay it over 5–20 years as a charge on your property tax bill. The rate is competitive, and because repayment is tied to the property rather than the borrower, it can transfer to a future owner when you sell.

Eligible upgrades include insulation, air sealing, heat pumps, windows and doors, solar panels, EV charging, and more. Available to all Toronto homeowners regardless of income.

Toronto's flagship deep energy retrofit program. Connects homeowners with rebates, low-interest financing, and a concierge service that helps navigate the process end-to-end. The program is designed for comprehensive upgrades — think insulation, heat pumps, windows, and air sealing done together — rather than single measures.

A home energy audit is required as the starting point. The program then identifies which upgrades are recommended and what incentives you qualify for. It's also designed to stack with provincial and federal programs on the same project.

Available to residential, commercial, and institutional properties in Toronto. Green roofs — covered with plants and growing medium — receive $100 per square metre, up to a maximum of $100,000. Cool roofs, which use highly reflective materials to reduce heat absorption, receive $2–$5 per square metre depending on the surface type.

Both types reduce stormwater runoff, lower energy costs, and extend roof lifespan. The program requires pre-approval before installation and a post-installation inspection. Contact City of Toronto Environment & Climate Division to apply.

A forgivable loan program for low-to-moderate income homeowners and landlords. Funds can be used for emergency health and safety repairs, accessibility modifications (ramps, grab bars, stair lifts, widened doorways), and essential maintenance. If you remain in your home for the required period after receiving funds, the loan is fully forgiven — you don't repay it.

Eligibility is based on household income relative to the City's affordability thresholds. Administered by the City's Shelter, Support and Housing Administration division. Applications open in cycles — check the City's website for current intake windows.

The City of Toronto runs periodic rain barrel sales that allow homeowners to purchase rain barrels at a significant discount — typically $75 below retail — to reduce stormwater runoff into the City's combined sewer system. Barrels connect to your downspout and hold 200+ litres for garden use. Sales are held seasonally (spring and fall) through the City's Live Green Toronto program.

This is a smaller program than others on this list — worth noting for homeowners with gardens, but not a major renovation incentive. Check the City of Toronto's Live Green Toronto page at toronto.ca/livegreen for the next scheduled sale date.

Ontario's flagship home energy rebate program, launched in 2025 and extended through November 30, 2026. This is now the single most important program for Toronto homeowners making energy upgrades — and the one to register for first. It covers the widest range of improvements of any provincial program, with no income testing required.

Eligible upgrades and rebate amounts include: Cold-climate heat pumps (up to $12,000), insulation — attic, walls, basement (up to $7,700 combined), rooftop solar panels (up to $5,000), home battery storage (up to $5,000), ENERGY STAR windows and doors (~$100 per rough opening), ENERGY STAR appliances (up to $200 per appliance), smart thermostats, and air sealing.

A home energy audit by a NRCan-registered energy advisor is required before starting work. The audit cost is partially rebated. Rebates are paid after the upgrade is completed and verified by a post-retrofit assessment. Designed explicitly to stack with Toronto HELP financing and applicable federal programs on the same project.

HER+ was co-funded by Enbridge Gas and the Province of Ontario and offered rebates up to $10,000 for insulation, heat pumps, windows, doors, and air sealing for natural gas customers. This program has closed to new applicants and has been superseded by the Home Renovation Savings Program above.

If you applied to HER+ before it closed, your application may still be processing — contact Enbridge directly for status. New applicants should register for the Home Renovation Savings Program instead.

Administered by Ontario's Independent Electricity System Operator (IESO) and delivered through local electricity distributors (Toronto Hydro for most Toronto residents). The Home Assistance Program provides free energy-efficient upgrades — LED lighting, smart thermostats, insulation, draft-proofing, ENERGY STAR appliances — to low-income households.

For non-low-income homeowners, Save on Energy also offers rebates through business and commercial streams, and periodic residential rebate windows for smart thermostats and other measures. Check Toronto Hydro's website for current available rebates for your account type.

A provincially administered, CMHC-co-funded program providing forgivable loans to low-income homeowners for critical repairs, accessibility modifications, and energy efficiency improvements. In Toronto, this program is often delivered in tandem with the Toronto Renovates Program — homeowners may access both simultaneously if they qualify under each program's criteria.

Eligible work includes structural repairs, roof replacement, plumbing and electrical upgrades, accessibility modifications, and insulation. The loan is forgivable after a specified residency period (typically 10–20 years depending on the amount). Apply through the City of Toronto's housing programs office.

There is no active universal residential rebate for Level 2 home EV charger installation in Toronto as of June 2026. Toronto Hydro and the Province have run pilot residential rebate programs in previous years (offering $500–$1,000 toward charger and installation costs), but these have closed and no successor program has been confirmed.

If you are considering a home EV charger, check Toronto Hydro's website directly for any newly opened programs. New residential incentives appear periodically as EV adoption expands and are worth checking before you book installation.

A non-refundable federal tax credit for seniors (65+) and persons with disabilities — or anyone making renovations to a home where a qualifying individual lives. Covers a wide range of modifications: wheelchair ramps, stair lifts and elevators, grab bars and handrails, wider doorways, accessible bathrooms, non-slip flooring, and more.

Up to $20,000 in eligible expenses per year qualifies, generating up to $3,000 in tax savings. The credit is claimed on your personal income tax return (Schedule 12). Multiple qualifying family members living in the same home can each claim separately in some circumstances — consult your accountant.

Introduced in 2023, this refundable tax credit helps families add a secondary suite to accommodate a senior (65+) or adult with a disability. Unlike most renovation tax credits, it's refundable — meaning you can receive the money back even if your tax owing is zero.

The secondary suite must be a self-contained unit with its own kitchen, bathroom, and sleeping area. Eligible expenses include construction, renovations, permits, and certain professional fees. This credit stacks well with the CMHC Refinance Program (below) for families building in-law suites, basement apartments, or laneway suites for family members.

The CMHC Refinance Program replaced the cancelled Canada Secondary Suite Loan Program. It allows homeowners to refinance their existing mortgage to access equity for building a secondary suite — basement apartment, garden suite, coach house, or in-law suite. CMHC mortgage insurance enables borrowers to access up to 90% of the home's post-renovation appraised value (to a maximum of $2 million), with amortization periods up to 30 years.

Unlike the old fixed-rate loan, this program works through your mortgage lender at current mortgage rates, with CMHC insurance reducing lender risk. CMHC approval must be obtained before construction begins. When combined with the Multi-Generational Home Renovation Tax Credit, families adding a suite for a senior parent or person with a disability can receive up to $7,500 in refundable tax credits plus access to CMHC-insured refinancing at competitive rates.

Note: CMHC program terms — including LTV limits and maximum property values — are updated periodically. Verify current eligibility criteria directly at cmhc.ca before relying on any specific figures for your project planning.

For homeowners currently heating with oil or propane who switch to an air-source or ground-source heat pump. Important: this program is income-tested — your household income must be at or below the median after tax to qualify. New registrations close June 30, 2026, so if your home is oil or propane heated, time is limited to get in.

Low-income households can receive up to $15,000. While fewer Toronto homes rely on oil heating than rural Ontario properties, this program is worth checking if yours does. A qualifying heat pump installation can also generate Ontario Home Renovation Savings Program rebates on the same project.

If you undertake a "substantial renovation" — defined by CRA as renovating 90% or more of the interior of an existing home — you may be eligible to claim back a portion of the GST/HST paid on construction costs. This applies to major gut-and-rebuild renovation projects, not incremental upgrades.

The rebate applies to the tax paid on labour and materials. The exact rebate amount depends on the home's fair market value after renovation. This is a complex claim best handled with a tax professional, but it can represent tens of thousands of dollars for large-scale renovations in the Toronto market.