Heat pump rebates · Canada
Heat pump rebate stacking in Canada: what still combines in 2026
Until this year, heat pump support in Canada came in layers: a federal grant or interest-free loan at the bottom, a provincial rebate on top, sometimes a utility rebate above that. In 2026 the bottom layer went away. The Canada Greener Homes Loan has closed to new applications, and the Oil to Heat Pump Affordability program closed to applications on July 31, 2026. In most provinces what remains today is a single program, so the useful question for now is which one a home qualifies for. That changes in early 2027: on October 8, 2026, Ottawa announced the National Heat Pump Rebate, a new federal layer of up to $10,000 that combines with provincial programs. This guide goes province by province, with every amount taken from program data last checked 2026-10-09.
What changed in 2026
Three federal programs once sat under every provincial rebate. All three have closed to new applicants. A fourth, announced in October 2026, will restore a federal layer when it opens.
| Federal program | Status | What it means |
|---|---|---|
| Canada Greener Homes Grant | Closed | December 31, 2025 was the last day to submit documents. |
| Canada Greener Homes Loan | Closed | No new approvals. Loans already approved continue. |
| Oil to Heat Pump Affordability program | Closed | July 31, 2026 was the last day to apply. |
| National Heat Pump Rebate | Opens early 2027 | Up to $10,000 below the median income, $2,000 for others. Combines with provincial programs. Not open yet. |
| Canada Greener Homes Affordability Program | Open | No-cost upgrades for lower-income households, through provincial partners. |
The one federal program still open is not a rebate. The Affordability Program pays for the work outright, so there is nothing left for a rebate to reduce. It is open only to households under the income limits each participating province sets. It has its own section below. For everyone else, the provincial rebate is the whole subsidy until the federal rebate opens. The table shows the largest one each province offers a household at market income, valued at the largest home size (over 3,000 sq ft, counted as 4 tons). A smaller system earns less from the programs that pay by the ton.
| Province | Largest market-rate rebate | Programs |
|---|---|---|
| Ontario | $8,000 | Home Renovation Savings |
| British Columbia | $4,000 | Home Renovation Rebate (BC Hydro / CleanBC) |
| Nova Scotia | $2,400 | Efficiency NS Home Energy Assessment |
| Manitoba | $2,000 | Efficiency Manitoba |
| New Brunswick | $2,000 | NB Power Total Home Energy Savings |
| Alberta | None open | — |
| Saskatchewan | None open | — |
| Newfoundland and Labrador | Income-qualified only | takeCHARGE Oil to Electric |
| Prince Edward Island | None open | — |
Province by province
Each table lists the programs open to new applicants, what they pay, and the conditions that decide whether a home qualifies. Program names link to the source page.
Ontario
| Program | Pays | Conditions |
|---|---|---|
| Home Renovation Savings — cold-climate air-source heat pump | $1,250 per ton, up to $7,500 | For homes not heated by Enbridge natural gas; heat pump must be on NRCan’s qualified list |
| Home Renovation Savings — cold-climate air-source heat pump (gas-heated home) | $500 per ton, up to $2,000 | For Enbridge gas-heated homes; the furnace may stay as backup |
| Home Renovation Savings — ground-source heat pump | $2,000 per ton, up to $12,000 | For homes not heated by Enbridge natural gas |
| Home Renovation Savings — ground-source heat pump (gas-heated home) | up to $3,000 | Flat $3,000 for Enbridge gas-heated homes |
Ontario has one heat pump rebate program, Home Renovation Savings, run jointly by Enbridge Gas and Save on Energy. Older guides list an Enbridge rebate and a Save on Energy rebate as two layers. A home now claims one heat pump rebate, at either the gas-heated or the non-gas tier. Both tiers pay by the ton, so a typical 3-ton system in a home not heated by gas earns $3,750, not the headline maximum. Lower-income households can apply to Ontario's Energy Affordability Program, which installs upgrades at no cost.
Ontario heat pump rebates: eligibility and how to apply →
British Columbia
| Program | Pays | Conditions |
|---|---|---|
| Home Renovation Rebate (BC Hydro / CleanBC) — whole-home heat pump | up to $4,000 | Must replace primary all-electric heat and meet 100% of the load at −5 °C ($1,500 for a partial system); no gas, oil or propane backup; a single-head ductless system qualifies only in homes of 1,200 sq ft or less |
BC Hydro and CleanBC pay through one joint program, and only when the heat pump replaces electric heat as the home's main source and carries the whole load at −5°C with no gas, oil or propane backup. A gas-heated home in southern BC therefore has no market-rate heat pump rebate. Homes north of 100 Mile House that heat with oil, gas or propane have separate northern rebates. Lower-income households apply for no-cost upgrades through BC Hydro or FortisBC under the Affordability Program.
British Columbia heat pump rebates: eligibility and how to apply →
Alberta
No heat pump grant, rebate or financing program was open in Alberta when the data was last checked (2026-10-09).
Alberta has no provincial heat pump rebate. Calgary's Clean Energy Improvement Program is property-tax financing rather than a rebate, and its intake is closed until winter 2026/27. Edmonton lists no available rebates. Alberta is not one of the provinces in the Affordability Program.
Manitoba
| Program | Pays | Conditions |
|---|---|---|
| Efficiency Manitoba — air source heat pump rebate (ducted) | up to $2,000 | Centrally ducted cold-climate air-source heat pump supplementing or replacing electric, gas, oil or propane heat |
| Efficiency Manitoba — air source heat pump rebate (ductless) | up to $1,500 | Ductless cold-climate air-source heat pump |
| Efficiency Manitoba — ground source heat pump program | $75 a month for 15 years ($13,500 total) on projects up to $38,000 | Efficiency Manitoba pays the contractor up to $38,000 ($18,500 for a replacement system) and you repay $13,500 at $75 a month, interest-free, over 15 years; written approval needed before buying anything |
Efficiency Manitoba pays one air-source rebate per system, more for ducted than for ductless, whatever fuel the heat pump supplements or replaces. Ground-source systems go through a separate program built as interest-free monthly payments rather than a rebate. Lower-income households can apply to the Energy Efficiency Assistance Program, Manitoba's partner in the Affordability Program.
Saskatchewan
No heat pump grant, rebate or financing program was open in Saskatchewan when the data was last checked (2026-10-09).
Saskatchewan has nothing open. SaskPower ended its Home Efficiency Retrofit Rebate in April 2026, and SaskEnergy's equipment rebate covers furnaces and water heaters, not heat pumps. Saskatchewan is not one of the provinces in the Affordability Program.
Nova Scotia
| Program | Pays | Conditions |
|---|---|---|
| Efficiency NS Home Energy Assessment — centrally ducted heat pump | $500 per ton, up to $5,000 | $500 per ton of newly added capacity; pre- and post-assessment required ($199); not for replacement heat pumps; $5,000 program cap across all upgrades |
| Efficiency NS Home Energy Assessment — ductless mini-split | $300 per ton, up to $5,000 | $300 per ton of newly added capacity; ducted mini-splits excluded; $5,000 program cap across all upgrades |
| Efficiency NS Home Energy Assessment — ground-source heat pump | $600 per ton, up to $5,000 | $600 per ton, closed or open loop; $5,000 program cap across all upgrades |
Nova Scotia is the one province where stacking still matters, because of how its cap works. The heat pump rebate sits inside Efficiency Nova Scotia's Home Energy Assessment program, which pays per ton of newly added capacity and caps the total across every upgrade in the home. Insulation, air sealing and the heat pump all draw on that one cap, so a home doing several upgrades can reach it before the heat pump is counted in full. Replacement heat pumps do not qualify, and the program requires an assessment before and after the work. Efficiency Nova Scotia's oil-to-heat-pump and moderate-income streams have closed; lower-income households can apply to HomeWarming, which installs upgrades at no cost.
Nova Scotia heat pump rebates: eligibility and how to apply →
New Brunswick
| Program | Pays | Conditions |
|---|---|---|
| NB Power Total Home Energy Savings — central ducted air-source heat pump | up to $1,500 | Households earning over $70,000; Home Energy Evaluation required; unit on NRCan’s cold-climate list for New Brunswick and Nova Scotia, AHRI-matched |
| NB Power Total Home Energy Savings — furnace heat pump add-on | up to $1,000 | Heat pump added to an existing furnace |
| NB Power Total Home Energy Savings — mini-split | up to $400 | Per system |
| NB Power Total Home Energy Savings — multizone | up to $1,400 | $350 per indoor head (amount shown at 4 heads) |
| NB Power Total Home Energy Savings — geothermal | up to $2,000 | ENERGY STAR or on the former Greener Homes ground-source list |
NB Power's Total Home Energy Savings program pays by type of install: a central ducted system, a heat pump added to an existing furnace, a single mini-split, or a multi-zone system paid per indoor head. Each amount belongs to one kind of install, so they are alternatives for a home rather than layers. The program serves households above the income line in the conditions column; households below it go to NB Power's Enhanced Energy Savings program, which installs upgrades at no cost.
Newfoundland and Labrador
| Program | Pays | Conditions |
|---|---|---|
| takeCHARGE Oil to Electric — central heat pump (income-qualified) | up to $22,000, income-qualified | Whole-home conversion from oil or propane; participating installer; income limits by household size |
| takeCHARGE Oil to Electric — multi-split heat pump (income-qualified) | up to $18,000, income-qualified | Multi-split or several single-head mini-splits; whole-home conversion from oil or propane; participating installer; income limits by household size |
The takeCHARGE Oil to Electric program is limited to income-qualified households converting a whole home from oil or propane, with a participating installer. Its page does not describe a stream for households above the income limits, so this guide treats Newfoundland and Labrador as having no market-rate rebate. Lower-income households can apply to the TakeCharge Greener Homes Program, the province's part of the Affordability Program, which covers one mini-split heat pump per home at no cost.
Prince Edward Island
No heat pump grant, rebate or financing program was open in Prince Edward Island when the data was last checked (2026-10-09).
Prince Edward Island paused every heat pump rebate, including its free heat pump program, on April 15, 2026, and has not announced a restart. Its part of the Affordability Program covers insulation only.
Three worked examples: one provincial rebate today, a federal layer from 2027
Each example uses the same data as the cost calculator. Installed prices are national ranges; the rebate is the amount for that home's size and current fuel.
Ontario: oil furnace to a ducted heat pump
- Home size: 2,000–2,500 sq ft (3 tons)
- Installed: $12,800–$21,000
- Rebate: Home Renovation Savings — cold-climate air-source heat pump, $3,750
- After the rebate: $9,050–$17,250
- From early 2027: the federal rebate would take off another $2,000, or up to $10,000 for a household below the median income (not counted above)
- Possible extras, not included: $3,500–$7,500
Open this example in the calculator
Manitoba: heat pump added to a gas furnace
- Home size: 1,500–2,000 sq ft (2.5 tons)
- Installed: $5,300–$8,800
- Rebate: Efficiency Manitoba — air source heat pump rebate (ducted), $2,000
- After the rebate: $3,300–$6,800
- Possible extras, not included: $3,500–$7,500
Open this example in the calculator
Nova Scotia: oil furnace to a ducted heat pump
- Home size: 1,500–2,000 sq ft (2.5 tons)
- Installed: $11,400–$18,700
- Rebate: Efficiency NS Home Energy Assessment — centrally ducted heat pump, $1,250
- After the rebate: $10,150–$17,450
- From early 2027: the federal rebate would take off another $2,000, or up to $10,000 for a household below the median income (not counted above)
- Possible extras, not included: $3,500–$7,500
Open this example in the calculator
If the household qualifies on income
For lower-income households the order of steps reverses. The no-cost programs pay for the work outright and usually arrange the installer themselves, so checking eligibility before collecting quotes avoids paying for work a program would have covered. Income limits differ by province and household size; each program page lists them.
- British Columbia: no-cost upgrades through BC Hydro or FortisBC.
- Manitoba: the Energy Efficiency Assistance Program.
- Nova Scotia: HomeWarming.
- Ontario: the Energy Affordability Program, through Save on Energy.
- New Brunswick: NB Power's Enhanced Energy Savings program.
- Newfoundland and Labrador: the takeCHARGE Oil to Electric grant, for oil- and propane-heated homes.
The Loan closure guide explains how the federal Affordability Program is delivered in each participating province.
Financing what the rebate does not cover
With the Loan closed, nothing federal finances the gap between the rebate and the invoice. Municipal property-tax programs, Efficiency Manitoba's ground-source program and contractor financing are what remain, and the Loan closure guide compares them. Contractor financing in particular needs its interest rate and total repayment in writing before signing.
The order of steps now
- Check the income-qualified program first. A household that qualifies should apply there before getting quotes.
- Decide whether to wait for the federal rebate. It opens in early 2027 and covers eligible installs from November 1, 2026, so an install on or after that date can still be claimed once the portal opens. The National Heat Pump Rebate guide covers the decision.
- Read the rebate's conditions before signing. Nova Scotia requires an assessment before the work starts, New Brunswick's ducted rebate requires a Home Energy Evaluation, and Ontario's requires a unit on NRCan's qualified-product list.
- Get the model number and capacity in writing. Ontario and Nova Scotia pay by the ton, so the quote should state the system's tonnage and the rebate at that tonnage.
- Keep the paperwork until the rebate is paid: the invoice, model and serial numbers, and any assessment reports.
Quebec
This guide does not cover Quebec. Its heat pump programs, including Rénoclimat and Hydro-Québec's offers, are run in French by the provincial government and Hydro-Québec, and their own pages are the reliable source.
Where to go next
The cost calculator applies these rebates to a specific home by province, size, system and current fuel. The rebates page tracks program changes as they happen.
Sources
Provincial program data last checked 2026-10-09. Programs change without much notice; confirm on the program page before relying on an amount.