What Home Renovation Savings pays for insulation in Markham
We re-read the program's pages and both eligibility documents on October 3, 2026. There are two ways in: an attic-only stream with no assessment, and the assessment stream, where insulation, windows, air sealing and a heat pump water heater are bundled.
Attic, no assessment
The attic stream pays half of the after-tax cost, up to $1,250 for an attic from R-12 or less to R-50, $1,000 from R-25 or less and $800 from R-35 or less. A participating insulation contractor must do the work.
Attic, with assessment
In the assessment stream an attic brought to at least R-50 pays $1,500, $1,200 or $900 by starting R-value, pro-rated by the share of the roof you insulate (minimum 50%).
Cathedral ceiling or flat roof
$750 in the attic stream and $780 in the assessment stream. Any combination of attic, cathedral and flat roof counts as one measure, capped at $1,500 in the assessment stream.
Exterior walls
$1,200 for R-7.5 to R-12 added, $2,100 for more than R-12 to R-20 and $3,600 for more than R-20. Minimum 20% of wall area, pro-rated.
Basement walls, slab and headers
Walls up to $1,500, a slab $500 and a header $300. Wall plus slab is capped at $2,000, and all three at $2,300.
Crawl space and exposed floors
Crawl space walls $600 or $1,200, ceiling $1,200, header $300, combined up to $2,700. An exposed floor over a garage earns $300 at R-20 or more.
Semis and row homes
Semi-detached and end-unit row homes get 75% of the walls and basement maximums. Middle-unit rows get 50%.
Audit rebate and cap
The assessment stream returns $600 for the audits and caps insulation rebates at $7,700, inside an overall $10,000 limit, or $5,000 for Enbridge gas homes.
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Read everything we know so far Official page: canada.ca
Attic stream work must be finished by November 30, 2026 and entered in the system by December 31. In the assessment stream, the post-audit must be scheduled by November 30 and completed by December 31, 2026, or within 180 days of your first assessment.
A young stock with exceptions
The 2021 Census counts 12,100 owner-occupied detached houses built before 1981 in Markham. About 21% of households live in homes built since 2011. 77% live in an eligible house type, 82% own and 3.0% report needing major repairs. Older houses in the original village areas and the 1970s subdivisions are the candidates.
Starting R-value drives the amount
The attic rebate shrinks as the starting R-value rises: $1,500 from R-12 or less, $1,200 from R-12 to R-25 and $900 from R-25 to R-35 in the assessment stream, and $1,250, $1,000 and $800 in the attic stream. Above R-35 the tables do not apply. A house with R-30 in the attic gets at most $900 or $800 for topping up to R-50.
Semis and rows
Markham has 7,095 semi-detached and 16,100 row households. Semis and end-unit rows receive 75% of the wall and basement maximums, and middle-unit rows 50%. Stacked townhomes are excluded, and there are no rebates for walls shared with a neighbour.
Which stream for a small job
If only the attic needs work, the attic stream avoids the $600 assessment cost and the second upgrade. It pays half of the after-tax cost up to its maximum, so it can pay less than the assessment stream's pro-rated amount when the job is cheap. If you plan walls or basement too, the assessment stream is the only route.
How to claim in Markham
- Measure the current attic insulation and note the R-value.
- Choose a stream: pre-register for the attic stream, or book a home energy assessment for the full bundle.
- Get quotes that state the R-value you start with, the R-value you reach and the share of each surface you will insulate.
- Do not start any work until the in-home visit or first assessment has happened.
- Keep invoices and your property tax bill for the paperwork, and finish before the November 30 and December 31, 2026 dates.
Common questions
Is a newer Markham house eligible?
Only if its attic starts at R-35 or less.
Do I need an assessment for the attic?
No, the attic stream has its own in-home visit.
What do semis get?
75% of the wall and basement maximums.
What is the deadline for the attic stream?
Work done by November 30, 2026.
What to do next
See Markham window and door rebates and the Ontario rebate calculator.
By Sam Menard. Sources, last read October 3, 2026: Home Renovation Savings: assessment upgrades, Home Renovation Savings: attic insulation, Home Renovation Savings eligibility requirements (PDF), Attic stream requirements (PDF), Statistics Canada 2021 Census, table 98-10-0233-01. All Markham rebates → Every Home Renovation Savings rebate →
