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.
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Start your assessment →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, $100 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.
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).
$1,000/kW, capped at 50% of total cost. Choose this rebate or net metering with your utility — not both.
$300/kWh, capped at 50% of cost. Stacks with the solar rebate for up to $10,000 combined.
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.
Instant rebate before you buy, or mail-in after. Eligible brands: ecobee, Google Nest, Honeywell Home, Copeland Sensi, Mysa, and Sinopé.
Heat pump dryer $200, induction cooktop/range $150, washer $75, fridge $50, freezer $50, dishwasher $25. Submit your receipt within 60 days.
City-run financing, repaid via your property tax bill over up to 20 years. Covers everything above plus windows, EV chargers, and more.
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.
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.
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 up to $3,600, foundation/basement wall up to $1,500, exposed floor $300, crawlspace up to $1,200.
Per rough opening replaced with an eligible ENERGY STAR window or door.
Replaces a gas, electric, or oil tank.
Draftproofing your home's envelope, verified by the before/after assessment.
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 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.
Covers 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.
Toronto Hydro (electricity) + Enbridge Gas (natural gas)
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.
Reliable, dense urban grid
Occasional summer storm outages; a home battery is more about resilience than a necessity here.
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
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.
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.
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.
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.
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.
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