Guide · Updated June 2026
How to Stack Heat Pump Rebates in Ontario
Ontario has four separate layers of support for switching to a heat pump. Used together, and in the right order, they can cover most — sometimes nearly all — of the cost. Here is exactly what stacks with what.
A non-gas home going geothermal can reach
$12,000+
$12,000 HRS geothermal maximum — federal OHPA intake closed July 31, 2026; EAP path open for income-qualified
The four layers
HRS — Home Renovation Savings (provincial)
Ontario’s main rebate. Air-source heat pump: $2,000 for gas homes, up to $7,500 for electric/oil/propane/wood. Geothermal up to $12,000. Everyone eligible — no income test. Funding window reported through Nov 30, 2026 (terms allow earlier changes).
OHPA — Oil to Heat Pump Affordability (federal)
Federal direct intake CLOSED since July 31, 2026 (NRCan). Applications submitted in time still pay out — documents due January 31, 2027, program closes March 31, 2027. It offered up to $10,000 federally, stacked on top of HRS. ✓ Still open: Ontario's co-delivery via Save on Energy's Energy Affordability Program takes income-qualified oil-home applications (no-cost heat pump; above-ground tank; no published closing date — verified Aug 4, 2026).
CGHAP — Canada Greener Homes Affordability (federal)
Income-qualified households (and tenants). A no-cost, direct-install model rather than a cash rebate. NOT yet available in Ontario — Manitoba is live and QC/BC/NS/PEI were announced in June 2026, without Ontario. Until it arrives, the income-qualified path in Ontario is the Save on Energy Energy Affordability Program (free heat pump for electric- and, for a limited time, oil-heated homes).
Municipal loans (financing, not grants)
Toronto HELP and Ottawa’s Better Homes loan (up to $125,000, repaid via property tax), Kingston ($40,000 at 0%), Hamilton’s 3P loan, and others. These finance the balance you still owe after rebates.
HRS rebate amounts
$1,250/ton non-gas · $500/ton gas
$2,000/ton non-gas · $3,000 flat for gas homes
Depends on existing R-value · no assessment
Attic + walls + foundation · assessment required
Minimum 3 windows or 1 door
Up to $5,000 solar + $5,000 battery
Official Home Renovation Savings Program rates, verified August 2026. Exact amounts for ranges are confirmed during your application.
A worked example
A non-gas home (electric, oil, propane, or wood) installing a geothermal heat pump claims the HRS geothermal rebate — up to $12,000. An air-source switch earns up to $7,500 (HRS). The federal OHPA direct intake closed on July 31, 2026; households that applied in time still receive it on top. If the household is income-qualified and heats with oil or electricity, the Save on Energy Energy Affordability Program can instead install a heat pump at no cost (Ontario's OHPA co-delivery — no published closing date), and a municipal loan can finance any remaining balance. HRS itself publishes no application deadline; its funding window is reported to run to November 30, 2026.
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The rule that protects your money
Order matters. For any bundled or assessment-based path, do not start work before the required pre-approval or pre-retrofit assessment — starting early is the #1 reason rebates get rejected. Use an HRS-registered contractor, and confirm each program\u2019s rules before you sign.
Related guides
- OHPA — oil to heat pump (up to $10,000)
- CGHAP — no-cost retrofits for income-qualified homes
- What a heat pump actually costs in Ontario
- Ontario heat pump rebate — full guide
Common questions
Can I combine the Ontario HRS rebate with the federal OHPA program?
Only if you applied before July 31, 2026 — the federal direct intake is now closed. Applications submitted in time still stack with HRS (approved applicants upload documents by January 31, 2027). New projects rely on HRS: oil homes get the top non-gas rate, $1,250/ton up to $7,500. Income-qualified oil homes have a better option than stacking: a no-cost heat pump through Save on Energy's Energy Affordability Program (Ontario's OHPA co-delivery, still open).
Does CGHAP stack with HRS?
CGHAP is an income-qualified, no-cost direct-install program, so it works differently from a cash rebate — and it has not launched in Ontario yet (Manitoba is live; QC/BC/NS/PEI were announced in June 2026 without Ontario). Until it arrives, the income-qualified path in Ontario is the Save on Energy Energy Affordability Program.
Are municipal loans rebates?
No. Programs like Toronto HELP and Ottawa’s Better Homes loan are low-interest financing, not grants. They cover the cost you still owe after rebates, repaid over time (often through property tax).
What is the single most important rule when stacking?
Order and pre-approval. For any bundled/assessment path, do not start work before the required pre-approval or pre-retrofit assessment — starting early is the most common reason rebates get rejected.
Figures reflect the Ontario Home Renovation Savings Program and federal OHPA/CGHAP, verified July 29, 2026 (federal OHPA intake closed July 31, 2026; Ontario EAP co-delivery verified open August 4, 2026). Programs can change without notice — confirm current terms before you plan. ClaimRebate.ca is independent and not affiliated with any government.