What St. Albert offers for a heat pump
We re-read the City of St. Albert's CEIP page and Natural Resources Canada's page on October 3, 2026. Sources are at the bottom.
St. Albert CEIP financing
Up to 100% of the cost, repaid on your property tax bill. The rate is variable but can't go above 3%. At capacity: pre-qualification is closed, and people already in line are served first come, first served.
St. Albert CEIP incentive
Taken off your CEIP balance when the project is done. One per project, while funds last. Projects must cost at least $3,000.
Oil to Heat Pump Affordability (federal)
July 31, 2026 was the last day for Alberta residents to apply.
Canada Greener Homes Grant
The grant has ended, and the loan approves no new applications.
How St. Albert compares
Edmonton's CEIP charges a fixed 6.00% and Calgary estimates 6.00% to 6.10%. St. Albert's rate is 1.62% today and capped at 3%. On a $20,000 project, the gap between 1.62% and 6% is real money over a long term. That is why it is worth getting in line when St. Albert reopens, rather than borrowing elsewhere.
What 'at capacity' means for you
The City says its CEIP is at capacity and has closed pre-qualification. If you already sent a pre-qualification, you are in the queue and will be handled first come, first served as space opens. If you haven't applied, you can't join right now.
The $1,400 incentive is also limited and first come, first served. We will update this page when the City reopens. You can also sign up for Alberta Municipalities' CEIP email updates.
St. Albert homes, by the numbers
St. Albert looks different from its big neighbour. The 2021 Census counted 25,940 households, and 70% live in single-detached houses. Some 83% own their home, compared with 64% in Edmonton. Only about 3% of homes were built before 1961; the biggest building decade was the 1970s: 6,335 households live in homes built from 1971 to 1980.
That means a lot of owned, detached homes that are now around 45 to 55 years old. When the furnace in one of those homes needs replacing, that is a good time to price a heat pump too.
Heat pumps in a St. Albert winter
St. Albert's average January low over the last ten years was about -14.4°C, and the coldest reading was -41.8°C. A cold-climate heat pump can do much of the heating, but plan backup heat for the coldest nights. Ask each installer for the lowest outdoor temperature the model is rated to run at, and what heat takes over below that.
A heat pump also cools. St. Albert's CEIP lists air conditioning among eligible upgrades, but if you are adding cooling anyway, a heat pump does both jobs.
What you can do while you wait
There is no cash rebate for a heat pump in St. Albert outside CEIP in 2026. In the meantime:
- Get two or three quotes, so you are ready when CEIP reopens. Use a CEIP Qualified Contractor.
- Don't start the work. The City says your CEI Agreement must be signed before any work begins, or it can't be financed.
- Plan for the $3,000 minimum. Small jobs don't qualify.
Top-rated installers in St. Albert
Ranked by Google reviews (minimum five). We don't take referral fees or paid placements. For CEIP, check the contractor is in the CEIP Qualified Contractor directory.
See all St. Albert installers →
How St. Albert CEIP works, start to finish
- Read the CEIP Terms and Conditions. Only the property owner can apply, not a contractor.
- Send a pre-qualification to Alberta Municipalities once St. Albert reopens.
- Book an EnerGuide home evaluation and get several quotes from CEIP Qualified Contractors.
- Sign your CEI Agreement with the City before any work starts.
- Install, finish the post-project evaluation, and the $1,400 incentive comes off your balance if funds remain.
Common questions
Is there a heat pump rebate in St. Albert?
The City's CEIP includes a $1,400 incentive on completed projects, but the program is at capacity and pre-qualification is closed. There is no provincial heat pump rebate, and the federal Oil to Heat Pump program closed for Alberta on July 31, 2026.
What is St. Albert's CEIP interest rate?
1.62% right now. It is variable, but the City says it won't go above 3%.
How much can I borrow through St. Albert CEIP?
Up to 100% of the cost, to a maximum of $50,000, with a $3,000 minimum project.
When will St. Albert CEIP reopen?
The City has not given a date. Pre-qualifications already in line are being processed first come, first served.
Can my contractor apply for me?
No. The City says CEIP applications must come from the property owner, not a third party.
What to do next
If you live near the boundary, note that Edmonton's CEIP only serves Edmonton properties. See all St. Albert rebates or every Alberta program we track.
By Sam Menard. Sources, last read October 3, 2026: City of St. Albert: Clean Energy Improvement Program, Alberta Municipalities: CEIP program locations, Natural Resources Canada: Canada Greener Homes Initiative, City of Edmonton: Clean Energy Improvement Program, Statistics Canada, 2021 Census table 98-10-0233-01. All St. Albert rebates → Every Alberta rebate and financing program →