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.
An oil home going geothermal can reach
$22,000+
$12,000 HRS (geothermal) + $10,000 OHPA, stacked
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. Active through November 2026.
OHPA — Oil to Heat Pump Affordability (federal)
Oil-heated homes only. Up to $10,000 federally; the income-qualified Ontario direct-install stream can reach about $25,000. Stacks on top of HRS.
CGHAP — Canada Greener Homes Affordability (federal)
Income-qualified households (and tenants). A no-cost, direct-install model rather than a cash rebate. Rolling out through Ontario — thresholds and application being finalized. Complementary to HRS/OHPA.
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 May 2026. Exact amounts for ranges are confirmed during your application.
A worked example
An oil-heated home installing a geothermal heat pump claims the HRS geothermal rebate (up to $12,000) and the federal OHPA grant (up to $10,000) — a stacked total of about $22,000. An air-source switch from oil is smaller but still strong: up to $7,500 (HRS) plus OHPA. If the household is income-qualified, CGHAP can cover much of what is left at no cost, and a municipal loan can finance any remaining balance.
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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?
Yes. HRS is a provincial program and OHPA is federal, so an oil-heated home can receive both — the HRS rebate ($1,250/ton up to $7,500) plus OHPA (up to $10,000), for a combined total that can exceed $17,000.
Does CGHAP stack with HRS?
CGHAP is an income-qualified, no-cost direct-install program, so it works differently from a cash rebate. It is complementary to HRS and OHPA, but exact stacking depends on Ontario’s delivery rules, which are still being finalized.
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 June 2026. Programs can change without notice — confirm current terms before you plan. ClaimRebate.ca is independent and not affiliated with any government.