Ontario Home Renovation Rebates & Incentives for Toronto Homeowners

The City expanded this program effective May 1, 2026, roughly doubling the previous maximum of $3,400 to a total of up to $6,650 per property, with no income testing. It is available to eligible owners of Toronto single-family homes, duplexes, triplexes, and fourplexes, subject to the program's property and work requirements. Eligible measures include a home plumbing assessment, qualifying backwater valves and alarms, a sump pump with alarm and battery backup, and certain severance or capping work involving a storm-sewer or external weeping-tile connection. Per-item limits apply, so check the City's program page for current amounts.

Eligible plumbing work must be completed by appropriately licensed contractors, and permits are required where the City specifies. 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 from the City for energy efficiency upgrades and repay it through your property tax bill. Loans run from $5,000 up to the lesser of $125,000 or 10% of the property's current value assessment, and a 2% administrative charge applies. Terms of 5, 10, or 15 years are generally available, while 20-year terms are limited to qualifying projects such as heat pumps, solar, geothermal, or new windows. Because the HELP charge is tied to the property-tax account, the outstanding balance may remain with the property when it is sold, subject to the sale terms and the purchaser's lender requirements. A seller may also choose or be required to pay it out.

Eligible upgrades include insulation, air sealing, heat pumps, windows and doors, solar panels, EV charging, and more. HELP is not income-tested, but it is limited to qualifying Toronto low-rise residential properties (generally up to three storeys and six units). All owners must consent, the property must meet payment-history requirements, and mortgage-lender consent is required where applicable.

BetterHomesTO is the City's home-energy resource hub. It connects Toronto homeowners with HELP financing, home-energy assessments, heat-pump coaching, and available City, provincial, and federal incentives. Specific rebates and financing come through the individual programs listed on the City's site rather than through one universal BetterHomesTO rebate.

A home energy assessment is required for the bundled Home Renovation Savings stream and may be useful or required for certain other financing or retrofit pathways, and the hub can point you to the assessment and to the programs that fit your project. Identify the specific program you plan to use, since registration and pre-approval rules follow that program rather than BetterHomesTO as a whole.

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 $100,000 maximum, plus up to $1,000 toward a structural assessment. Cool roofs, which use reflective materials to reduce heat absorption, receive $5 per square metre for a new membrane or $2 per square metre for a coating over an existing roof, up to a $50,000 maximum. Confirm current rates on the City's program page.

Eco-roofs can reduce stormwater runoff and heat absorption and may lower cooling demand or extend the service life of the underlying roof assembly, depending on the design. The program requires pre-approval before installation and a post-installation inspection. Contact the City of Toronto Environment and Climate Division to apply.

Toronto administers income-qualified housing-repair and accessibility funding through local program streams when intake and funding are available. Provincial Ontario Renovates funding is commonly delivered locally through the City rather than as a separate benefit, so treat this as one local application path rather than two forgivable loans you can layer. Funds can support 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, the loan is typically forgiven.

Eligibility is based on household income relative to the City's affordability thresholds, and applications open in cycles. Confirm that homeowner intake is currently open and check current amounts and terms on the City's website before counting on it.

Toronto's 2026 Rain Barrel Savings Program offered deeply subsidized rain barrels (about $8.95 plus tax) and downspout diverters (about $1 plus tax), with free delivery and one package per eligible address, in limited rounds. Barrels connect to your downspout and hold 200 or more litres for garden use. Availability is inventory-dependent, so check the current City page before relying on the offer.

This is a smaller program than others on this list, worth noting for homeowners with gardens but not a major renovation incentive. Availability changes quickly, so check the current City page before relying on it.

Ontario's flagship home energy rebate program, launched in 2025 and currently running into 2026. It is a major program to check early for qualifying energy upgrades, with no income testing. Program terms and intake periods can change, so confirm current availability and the end date at saveonenergy.ca before you order equipment or sign a contract.

Two paths: Single-upgrade rebates can skip the home energy assessment, and currently include a cold-climate air-source heat pump (up to $7,500), a ground-source heat pump (up to $12,000), rooftop solar panels and battery storage (up to $10,000 combined, subject to equipment and capacity rules), attic insulation (about $1,250), a smart thermostat (about $100), and eligible appliances (up to $200). Bundled rebates require a pre-retrofit home energy assessment plus two or more upgrades, and cover insulation (up to $7,700 combined), ENERGY STAR windows and doors (about $100 per rough opening), air sealing (up to $250), and a heat pump water heater (about $500). Amounts are program maximums and depend on the measure, your home, and eligibility.

For the bundled path, a home energy assessment by a NRCan-registered energy advisor is required before starting work, and the program currently offers up to $600 for the assessment after the required upgrades and post-retrofit steps are completed. Heat pumps must be on Natural Resources Canada's qualified products list, and windows, doors, and water heaters must be ENERGY STAR certified. The program is designed to work alongside Toronto HELP financing and applicable federal programs.

HER+ was an Enbridge Gas and Ontario program that offered rebates for insulation, heat pumps, windows, doors, and air sealing. It is closed to new applicants. Homeowners considering new work should check the current Home Renovation Savings streams instead.

If you applied to HER+ before it closed, your application may still be processing, so contact Enbridge directly for status.

Ontario's income-based energy program (formerly the Home Assistance Program), administered by the Independent Electricity System Operator (IESO) through Save on Energy. It provides free energy-efficient upgrades or energy-saving kits, such as LED lighting, smart thermostats, insulation, draft-proofing, and ENERGY STAR appliances, to income-qualified homeowners, tenants, and some social-housing residents.

Delivery is handled by program agents by region, and Save on Energy currently lists CLEAResult as the delivery agent for postal codes beginning with M (most of Toronto). Check the Save on Energy website for current eligibility and how to apply.

No universal Toronto residential rebate for Level 2 home EV charger installation was identified as active at the review date. Toronto Hydro and the Province have run pilot residential rebate programs in previous years, but these have closed and no successor program has been confirmed.

If you are considering a home EV charger, check Toronto Hydro, the City, and Ontario sources before installation in case a new limited-intake program opens.

A non-refundable federal tax credit tied to a qualifying individual, meaning a senior (65+) or a person eligible for the Disability Tax Credit. It may be claimed by that individual or by an eligible family member who supports them, provided the dwelling and expense meet the CRA's ownership, occupancy, and eligibility rules. It 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. The actual credit is calculated using the lowest federal personal income-tax rate for the year, which is 14% for 2026 (so up to about $2,800; the 2025 maximum was about $2,900). The credit is claimed on your personal income tax return. Rules on how multiple family members can claim vary, so consult your accountant. The same expense cannot be claimed under more than one credit.

Introduced in 2023, this refundable tax credit helps families add a secondary suite to accommodate a senior (65+) or an adult with a disability. Up to $50,000 in qualifying expenses may be claimed, and the credit is calculated using the applicable federal rate for the year (14% for 2026, so up to about $7,000; the 2025 maximum was about $7,250). Because it is refundable, you can receive the credit even if your tax owing is zero. Eligible expenses must be reduced by any rebates or assistance received, and the same expense cannot be claimed under another credit such as the HATC.

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 can be relevant to families building in-law suites, basement apartments, or laneway suites for family members.

CMHC's mortgage-insurance rules for secondary suites let eligible homeowners refinance to access equity for building a secondary suite, such as a basement apartment, garden suite, coach house, or in-law suite. Current rules include up to 90% loan-to-value on the as-improved value, a maximum as-improved property value below $2 million, up to four units, and amortization up to 30 years. The property must satisfy CMHC's owner-occupancy and permitted-use requirements, the added unit cannot be used as a short-term rental, and approval is needed before or at an early stage of construction.

This works through your mortgage lender at current mortgage rates, with CMHC insurance reducing lender risk. Eligible homeowners may use the refinance proceeds to finance construction and separately claim eligible MGHRTC expenses, subject to each program's reimbursement and documentation rules.

Note: CMHC program terms are updated periodically. Verify the current eligibility criteria and figures directly at cmhc.ca before relying on any specific numbers for your project planning.

This program helped homeowners who heated with oil switch to a heat pump, with grants up to $10,000 and higher amounts for lower-income households, subject to income eligibility. Natural Resources Canada set July 31, 2026 as the last day to apply, so it is now closed to new applications. Per NRCan, supporting documents can be uploaded until January 31, 2027, and the program winds down by March 31, 2027.

If you did not apply in time, watch Natural Resources Canada (nrcan.gc.ca) for any successor program. A qualifying heat pump installation may still earn Ontario Home Renovation Savings Program rebates on the same project.

A qualifying owner-built or substantially renovated home may be eligible for a GST/HST new-housing rebate, but the rules are technical. Eligibility depends on who paid the tax, whether the home is owner-built or purchased, primary-place-of-residence conditions, fair-market-value thresholds, and filing deadlines. A "substantial renovation" generally requires renovation of substantially all of the interior of the existing home (broadly, at least 90%, with some structural elements excluded).

Completing a large gut renovation does not automatically create a rebate. Obtain tax advice before assuming your project qualifies. For large-scale projects in the Toronto market, the amount can be significant, which is why a tax professional is worth engaging early.