What Home Renovation Savings pays for insulation in Toronto
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.
Toronto HELP loan
A City loan for energy upgrades. Current rates were not re-verified.
Canada’s new heat pump rebate is worth up to $10,000. Get an email the day it opens
Planning a heat pump too? This one is on top of the rebates above, and we’ll email you the day it opens.
- 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
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- 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
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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.
Who in Toronto can claim
Only about 35% of Toronto's 1,160,895 households live in a house type the program accepts, and about 52% own. Apartments in buildings of five or more storeys make up 47% of households. The program excludes apartments, duplexes, triplexes and stacked townhomes, and it needs six months of occupancy. About 58% of households live in a home built before 1981, and 185,275 of those are owner-occupied detached houses, the pool where attic and wall rebates matter most.
The semi and row reduction
Toronto has 73,165 semi-detached households and 63,170 in row houses. A semi-detached house or an end-unit row house receives 75% of the maximum wall and basement rebates, and a middle-unit row house receives 50%. Walls shared with a neighbour earn nothing. For a Toronto middle-unit row house, a full exterior wall job at the top tier pays at most $1,800 before pro-rating, and the front and back walls are the only ones counted.
Basements are a Toronto-sized opportunity
Basement wall insulation pays $900 for R-10 to R-22 added and $1,500 above R-22, with at least 20% of the wall area insulated. Add the basement header ($300, at least 80% of the header area, R-20) and the slab ($500, at least 50% of the slab, R-3.5) and the combined total reaches $2,300. The header alone does not qualify, so it has to be done with the wall.
Paying for it
Toronto's Home Energy Loan Program (HELP) lets owners repay energy upgrades through the property tax bill. We have not re-verified the current interest rate, so check the City's page. A loan can cover the contractor while the rebate arrives after the post-audit.
Pro-rating in plain numbers
Rebates scale with the share of the surface you insulate. If you insulate 60% of an exterior wall area and add more than R-20, the rebate is 60% of $3,600, which is $2,160. For a semi-detached house at the same coverage, take 75% of $3,600 first, then 60% of that, which is $1,620. These figures are our arithmetic from the program's tables, not a quote.
How to claim in Toronto
- Confirm you own an eligible house type and that it has been occupied for six months.
- 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
Can a Toronto condo claim insulation rebates?
No. Apartments and condos are not eligible.
How much do Toronto semis get for walls?
75% of the maximum, and 50% for a middle-unit row house.
Do I need an assessment?
Not for the attic stream. Walls, basements and crawl spaces need the assessment stream.
What is the most I can get for insulation?
$7,700 in total in the assessment stream, inside the overall program cap.
What to do next
See Toronto 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), City of Toronto Home Energy Loan Program, Statistics Canada 2021 Census, table 98-10-0233-01. All Toronto rebates → Every Home Renovation Savings rebate →
