Every Home Energy Rebate for Toronto Homeowners
Heat pumps, solar, battery storage, insulation, windows, water heaters, thermostats, appliances, and the City's $125,000 HELP loan — every category explained plainly, with how each one works.
Updated August 2026 · Sourced from the official Home Renovation Savings Program (homerenovationsavings.ca) and City of Toronto. Independent guide — we don't sell your info.
Planning a heat pump installation in Toronto, or just trying to make your home more energy efficient? This page covers every energy rebate in Toronto in one place.
Rebate categories in Toronto
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See my rebates →What Toronto homeowners can claim — no assessment needed
In 2026, a Toronto homeowner can claim up to $12,000 for a heat pump, $10,000 for solar + battery combined, up to $1,250 for attic insulation, $125 for a smart thermostat, and up to $200 per appliance — on top of a separate $7,700 assessment-required insulation/windows tier and the City's $125,000 HELP loan.
Toronto runs on Toronto Hydro electricity and Enbridge Gas. The province's Home Renovation Savings Program (HRSP) is the backbone here — and unlike BC, the heat pump amount depends on what fuel and system type you're switching from, not your household income. These five categories need no energy assessment — just an eligibility form and a participating contractor or retailer.
🔥 Heat Pump
Enbridge Gas customers switching from gas: up to $2,000 (air-source) or $3,000 (ground-source). Switching from electric, oil, propane, or wood: up to $7,500 (air-source) or up to $12,000 (ground-source).
☀️ Solar Panels
$1,000/kW, capped at 50% of total cost. Choose this rebate or net metering with your utility — not both.
🔋 Battery Storage
$300/kWh, capped at 50% of cost. Stacks with the solar rebate for up to $10,000 combined.
🌡️ Attic Insulation
Amount scales with your starting R-value: up to $1,250 from ≤R-12, $1,000 from R-12–25, $800 from R-25–35. Cathedral ceiling/flat roof up to $750.
🌡️ Smart Thermostat
Instant rebate before you buy, or mail-in after. Eligible brands: ecobee, Google Nest, Honeywell Home, Copeland Sensi, Mysa, and Sinopé. Compare the eligible brands →
📦 Appliances
Heat pump dryer $200, induction cooktop/range $150, washer $75, fridge $50, freezer $50, dishwasher $25. Submit your receipt within 60 days.
🚗 EV Charger
There's no direct HRSP cash rebate for a Level 2 home charger, but a Level 2 charger install is an eligible expense under the Toronto HELP loan below.
🏦 Toronto HELP Loan
City-run financing, repaid via your property tax bill over up to 20 years. Covers everything above plus windows, EV chargers, and more. How the HELP loan actually works →
Canada’s new heat pump rebate is worth up to $10,000. Get an email the day it opens
Planning a heat pump in Toronto? Ottawa says you can add this on top of provincial rebates.
- Up to $10,000
- if your household earns below the median income
- $2,000
- for other homeowners who qualify
Stack it with the Ontario rebate open today
Ottawa says you can combine them. Each program has its own rules. Amounts are the most you can get.
Applications open early 2027
Join the launch alert
- Launch-day email, with what to do first
- Who qualifies for the $10,000, once Ottawa says
- A short hello now, so you know it worked
Know someone with old heating? Send them this.
Only emails about this rebate. No spam, no sales calls. Unsubscribe anytime.
How Ottawa says it will work (plans, not final rules)
- Apply online when your heating breaks or gets old
- Approved in 24 hours no home energy audit needed
- Payment approved in 5 days sent by direct deposit after you upload receipts
Read everything we know so far Official page: canada.ca
- Green Heating and Air Inc. 5.0★ (181 reviews) · (416) 627-7724
- Superior Plumbing & Heating of Toronto 5.0★ (72 reviews) · (647) 370-6703
- SunCool HVAC of Toronto – Midtown 5.0★ (71 reviews) · (647) 496-2057
See all 5 vetted Toronto heat pump installers below, or browse the full installer directory →
- New Toronto Electric 5.0★ (90 reviews) · (647) 642-0534
- Goldwater Solar Services Ltd 4.9★ (65 reviews) · (416) 400-4747
These are solar specialists — we don't yet have a Toronto installer with a dedicated battery-storage specialty listed, so for battery-only projects browse the full installer directory →. See also: solar rebate vs. net metering, explained →
Honest math for Toronto
A typical household stacking a heat pump with solar or battery nets $4,000–$17,000 in direct rebates, before touching the assessment-required tier below or the HELP loan. The smart thermostat and appliance rebates are small but genuinely free money — worth claiming even if you're not doing a bigger retrofit. Cold winters don't stop a heat pump from working — see how heat pumps perform in Ontario winters →.
We could not confirm a hard expiry date for these programs on the official site as of this writing — treat any "deadline" you see elsewhere as unverified and check homerenovationsavings.ca directly before relying on it.
Assessment-required rebates — the deep-retrofit tier
These categories pay more, but you need a home energy assessment first (about $600, refunded as a rebate on completion), and you must complete at least two qualifying upgrades. Complete three or more and you get an extra $500 bonus.
🌡️ Exterior Wall
To at least R-20 across 100% of exterior wall area.
🌡️ Foundation / Basement Wall
Plus Basement Slab (up to $500) and Foundation Header (up to $300) as separate, smaller sub-categories.
🌡️ Crawlspace
Crawlspace wall up to $1,200, plus crawlspace ceiling up to $1,200 — two separate measures.
🌡️ Exposed Floor
🟫 Windows & Doors
Per rough opening replaced with an eligible ENERGY STAR window or door.
💧 Heat Pump Water Heater
Replaces a gas, electric, or oil tank.
🌬️ Air Sealing
Draftproofing your home's envelope, verified by the before/after assessment.
Attic insulation pays more if you bundle it here
Attic and cathedral-ceiling insulation are available on the no-assessment path above (up to $1,250 / $750), but the same work pays more if bundled into this assessment-required tier instead: up to $1,500 for attic (from a starting point of R-12 or less) and $780 for cathedral ceiling/flat roof. If you're already doing an assessment for other upgrades, do attic insulation here rather than through the standalone no-assessment path.
How the assessment path works
1. Book an initial assessment with a registered energy advisor ($600, refunded later).
2. Get a custom report recommending upgrades for your home.
3. Complete at least 2 of: insulation, windows/doors, heat pump water heater, air sealing.
4. Book a follow-up assessment with the same advisor to confirm the work.
5. Rebates (plus the $500 bonus for 3+ upgrades) arrive by mail within 60 days.
The Toronto HELP loan — stacks on top
The Home Energy Loan Program (HELP) isn't a rebate — it's low-interest financing tied to your property, not you personally, repaid through your property tax bill. It's how Toronto homeowners cover the cost that's left over after the HRSP rebates above.
Home Energy Loan Program (HELP)
up to $125,000Covers air-source heat pumps, window/door replacement, insulation, air sealing, geothermal, high-efficiency water heaters, furnaces/boilers/AC, tankless water heaters, drain-water heat recovery, toilets, solar hot water, rooftop solar PV, EV chargers (Level 2), and battery storage.
Before you apply, the City and Toronto Hydro also run BetterHomesTO — free energy coaching that walks you through your options and connects you with a heat pump installer, at no cost. Toronto's 2025 budget added an extra $20M toward HELP loans specifically for heat pump conversions, and a 2026 expansion is aimed at low-to-moderate-income households (no specific incentive amount has been published for that expansion yet). This coaching and financing layer is separate from the HRSP cash rebates above — it's how you pay for what HRSP doesn't cover.
Local context
Your utilities
Toronto Hydro (electricity) + Enbridge Gas (natural gas)
Typical heating
Mostly natural gas
Most Toronto homes heat with gas furnaces — which puts a heat pump switch in the lower HRSP tier, but the HELP loan can still cover most of the remaining cost.
Grid reliability
Reliable, dense urban grid
Occasional summer storm outages; a home battery is more about resilience than a necessity here.
Permitting & timeline
What to expect in Toronto:
Quote to installation: 6–10 weeks for solar, faster for a straight heat pump swap
Permits: City building permit + ESA electrical inspection where required
HELP loan approval: Apply before hiring a contractor — funding must be approved first
Rebate payout: Typically 30–60 days after your contractor or the assessment advisor submits documentation
Renting or living in a condo? Here's what actually applies to you
Most of the rebate figures above assume you own a detached or semi-detached home and control the whole building. That's not most of Toronto — condos and rentals make up a large share of the city's housing. Here's what changes if that's you:
If you rent
You can't claim the structural HRSP rebates (heat pump, insulation, windows, solar) — those go to whoever owns the property, and the HELP loan is tied to the property tax bill, not to a tenant. The smart thermostat rebate and small appliance rebates covered above may still be open to you if you're the one buying the appliance. For anything bigger, the ask has to go to your landlord — point them to this page.
If you own a condo unit
In-unit upgrades you control yourself — a smart thermostat, an in-suite appliance, sometimes an in-unit heat pump water heater — may qualify for the HRSP rebates above with your building's approval, usually required for anything touching shared systems or exterior walls. Get that approval in writing before applying. The HELP loan is registered against a property's tax roll, so check with your condo corporation whether it's structured to apply to an individual unit before assuming it's available to you the way it is to a freehold homeowner.
If it's a whole-building retrofit
Heat pumps, insulation, and solar for an entire condo building go through the condo board as a group decision rather than the single-family HRSP path or the individual HELP loan described on this page — the process and amounts differ, and your condo board or property manager applies, not individual owners. Given how much of Toronto's housing stock is mid- and high-rise, this is worth raising with your board directly rather than assuming the per-household numbers above apply at building scale.
Every Toronto rebate program, by category.
These are the real, published rebate amounts from this page, organized by category so you can jump straight to what you're planning. Filter below.
HRSP heat pump rebate
Depends what fuel you're switching from: gas customers get up to $2,000 (air-source) or $3,000 (ground-source); switching from electric, oil, propane, or wood gets up to $7,500 (air-source) or $12,000 (ground-source). Province-wide, same in every Ontario city.
HRSP solar rebate
$1,000/kW, capped at 50% of cost. Combined with battery, a typical Toronto household can net up to $10,000 for solar + battery together. You choose this or net metering, not both.
HRSP battery storage rebate
$300/kWh, capped at 50% of cost. Stacks with the solar rebate above.
Attic insulation (no-assessment path)
Scales with starting R-value: up to $1,250 from ≤R-12, $1,000 from R-12–25, $800 from R-25–35. Cathedral ceiling/flat roof up to $750.
Exterior wall / foundation / crawlspace (assessment-required)
Exterior wall to at least R-20, up to $3,600. Plus foundation/basement wall up to $1,500, crawlspace up to $2,400, and exposed floor $300 as separate measures — needs a before/after energy assessment ($600, refunded as a rebate) plus 2+ qualifying upgrades.
Heat pump water heater rebate
Replaces a gas, electric, or oil tank. Part of the assessment-required tier.
Windows & doors rebate
Per rough opening replaced with an eligible ENERGY STAR window or door. Part of the assessment-required tier.
No direct HRSP rebate — Toronto HELP loan instead
There's no HRSP cash rebate for a home EV charger. In Toronto, a Level 2 charger install is an eligible expense under the City's $125,000 HELP loan program instead.
Smart thermostat rebate
Instant or mail-in. Eligible brands include ecobee, Nest, Honeywell, Mysa, and Sinopé.
FAQ for Toronto residents
How much does a heat pump rebate cover in Toronto?
It depends on the heat pump type and your current fuel. Enbridge Gas customers switching from gas get up to $2,000 for an air-source unit or $3,000 for ground-source. Households switching from electricity, oil, propane, or wood get up to $7,500 for air-source or up to $12,000 for ground-source.
Can I get both a solar rebate and net metering?
No. The Home Renovation Savings Program pays up to $5,000 for solar, but you have to choose between that rebate or a net-metering agreement with your local utility — not both on the same system.
What is the Toronto HELP loan?
A City of Toronto loan of up to $125,000, repaid through your property tax bill over up to 20 years at a fixed rate. It covers heat pumps, insulation, windows, solar, battery storage, EV chargers and more, and stacks on top of the provincial rebates rather than replacing them.
Do I need a home energy assessment to get a rebate?
Only for some upgrades. Heat pumps, solar, battery storage, attic insulation, smart thermostats, and appliances don't require one. Wall/foundation insulation, windows and doors, heat pump water heaters, and air sealing do — you need at least two of those upgrades and a before/after assessment, which costs $600 but is refunded as a rebate.
Who is my utility in Toronto?
Most Toronto homes are on Toronto Hydro for electricity and Enbridge Gas for natural gas. Your rebate amount for a heat pump depends on which fuel you're switching from, not which company delivers your power.
Is there a separate subsidy for basement flooding protection?
Yes, but it's a City of Toronto water program, not an energy rebate, so it isn't part of the Home Renovation Savings Program totals above. The Basement Flooding Protection Subsidy Program covers up to $3,400 per property for things like a backwater valve, sump pump, and disconnecting your downspout from the sewer system. If you're already doing foundation or basement wall insulation work through HRSP, it's worth checking this program at the same time since the work often overlaps.
Application denied, or not sure why an amount came back lower than you expected? See common rejection mistakes to avoid → or what to do if your Ontario rebate gets rejected →.
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Go deeper on Toronto's rebates
A few guides that go further into topics on this page, for when you want more than the summary.
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What Toronto homeowners actually paid
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Share your cost →Learn more about Ontario rebates
Guides and deep-dives to help you make the right choice.
Guide • Foundations
Which Rebate Should I Claim First? Priority Guide 2026
The strategic order to claim rebates and maximize your total savings.
Guide • Stacking
What Is Rebate Stacking? How to Combine Multiple Rebates
Layer federal, provincial, utility, and local rebates for maximum benefit.
Guide • Decision
Heat Pump or Solar First? (Ontario Edition)
The optimal order to stack Ontario rebates and maximize your savings.
Guide • Heat Pumps
Ontario Heat Pump Rebate Tiers Explained
Why your rebate depends on your heating fuel and heat pump type.
Guide • Solar
Ontario Solar: Net Metering vs. Battery Storage
When you don't need a battery in Ontario, and when you do.
Guide • Troubleshooting
Why Your Ontario Rebate Got Rejected: Fixes & Prevention
Common mistakes and how to avoid them.
Update • Programs
Ontario: Federal Loan Closed. Here's What's Open in 2026
What changed with the federal home energy loan and your alternatives.
More for Toronto
Replacing a gas furnace? There is no Ontario rebate for a new furnace in 2026. See what a heat pump gets instead: $500 per ton for Enbridge gas homes, up to $7,500 for oil, propane and electric.
Statewide answer: see Ontario home EV charger rebates, with what is open, what has closed and the dates to watch.
Statewide answer: see Ontario HRV and ERV rebates, with what is open, what has closed and the dates to watch.
All Ontario programs in one place: see what Save on Energy pays, and what Enbridge gas customers get.