What Home Renovation Savings pays for insulation in Mississauga
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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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.
The eligible group
The 2021 Census counts 30,140 owner-occupied detached houses built before 1981 in Mississauga, and 38% of households live in homes of that age. 37% live in a single detached house, 62% in an eligible house type and 70% own. Major repairs were reported by 4.8%. Houses from the 1960s and 1970s are the typical candidates for attic and basement work.
A worked example for a 1970s house
Take a detached house with R-12 in the attic, uninsulated basement walls and R-10 in the exterior walls. In the assessment stream, the attic could pay up to $1,500, a basement wall job up to $1,500 and a wall job up to $1,200 to $3,600 depending on the R-value added, each pro-rated by the share you do. The attic is the clear first choice because it pays the most per dollar of work. These are program maximums from the tables, not a quote.
The participating contractor rule
The attic stream requires an insulation contractor on the program's Participating Insulation Contractors List. Contractors in the assessment stream need to be professionals, but the list is a good first check for either. Ask any Mississauga contractor whether they are on the list and how they will document the R-value before and after.
Crawl spaces and exposed floors
Some Mississauga houses have rooms over a garage. An exposed floor of at least 11 square metres insulated to R-20 earns $300. Crawl spaces earn up to $1,200 for the walls and $1,200 for the ceiling, with a combined cap of $2,700. Basement and crawl space wall rebates share a $1,500 ceiling when both are present.
How to claim in Mississauga
- Check that your house is a detached, semi, row or townhome, not a condo.
- 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
Do Mississauga condos qualify?
No.
How much for an R-12 attic?
Up to $1,500 in the assessment stream and up to $1,250 in the attic stream.
Is an exposed floor over a garage covered?
Yes, $300 for at least 11 square metres at R-20 or more.
Is the work done by anyone?
A professional contractor, and a listed contractor for the attic stream.
What to do next
See Mississauga 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 Mississauga rebates → Every Home Renovation Savings rebate →
