The federal Greener Homes grant and loan are gone, and money for heat pumps and insulation now comes mostly from provinces and utilities, plus a new federal heat pump rebate. Programs change often and many need approval before the work starts, so check the program page before you sign a contract. Status checked on October 29, 2026; the federal heat pump rebate on November 1, 2026.
Federal
- National Heat Pump Rebate (new): $2,000, or up to $10,000 for households below the median income, with no energy audit before or after. It opens in early 2027 and covers installations from November 1, 2026. The rules published so far, still marked provisional, say: homeowners only (a rental property you own counts; tenants do not qualify), one rebate per household, and none at an address that already had federal heat pump funding; the heat pump must be a cold-climate model on Natural Resources Canada’s eligible list, heat the whole home, and be bought from and installed by an HVAC contractor; keep receipts with the model and AHRI number and apply within 6 months. The higher amount uses your household’s after-tax income from your 2025 tax return, against thresholds by province and household size (in Ontario, $46,981 for one person and $92,884 for two). The announcement said it can be combined with provincial programs; the current page does not yet say how. Source: Government of Canada.
- Canada Greener Homes Affordability Program: pays the full cost of recommended upgrades for low- to median-income owners and tenants, delivered through provincial programs in British Columbia, Manitoba, Newfoundland and Labrador, Nova Scotia, Prince Edward Island and Quebec. Source: Natural Resources Canada.
- Closed: the Canada Greener Homes Grant (final documents were due December 31, 2025), the Canada Greener Homes Loan (closed to new applications October 2, 2025), and the federal-only stream of the Oil to Heat Pump Affordability program (closed July 31, 2026).
Ontario
The Home Renovation Savings Program from Save on Energy and Enbridge Gas is open. Without an energy assessment, a cold-climate air-source heat pump in a home heated by electricity, oil, propane or wood can get up to $7,500, and a ground-source heat pump up to $12,000; gas-heated homes get less through Enbridge. Attic insulation gets up to $1,250 and a smart thermostat $125. Wall and basement insulation, windows and doors ($100 per opening) need a before-and-after assessment, which itself is rebated $600. Work needs pre-approval through a participating contractor. The income-qualified Energy Affordability Program installs upgrades, including a heat pump for oil-heated homes, for free. Sources: Home Renovation Savings and Save on Energy.
Quebec
LogisVert from Hydro-Québec is open: $50 per 1,000 BTU/h of heating capacity for a heat pump, or $120 per 1,000 BTU/h for a cold-climate model, plus $1,500 for roof insulation and caulking in an electrically heated home. Apply within nine months of installation. Rénoclimat has new rules since October 1, 2026 for insulation and windows (up to $300 a window) and a new flood-adaptation part; check its page for whether a pre-work evaluation is still required, since its own pages differ. Chauffez vert closed March 31, 2026. Sources: Hydro-Québec and Québec.ca.
British Columbia
CleanBC Better Homes lists a Home Renovation Rebate for any income (a heat pump in an electrically heated home up to $4,000, more in the north when replacing oil or gas, plus insulation, windows and doors) and an income-tested Energy Savings Program with heat pumps up to $13,000. BC Hydro and FortisBC’s Energy Conservation Assistance Program installs upgrades for free for lower incomes. The Better Homes site says it is not being updated during an election period, so confirm amounts before you rely on them. Sources: Better Homes BC and BC Hydro.
Atlantic provinces
- Nova Scotia: Efficiency Nova Scotia’s home energy assessment rebates pay up to $5,000 for any income, with up to $5,000 more for moderate-income homes not heated by electricity; HomeWarming is free for low-income homeowners. The oil-to-heat-pump stream closed July 2, 2026. Source: Efficiency Nova Scotia.
- New Brunswick: NB Power’s Total Home Energy Savings Program pays for heat pumps ($1,500 for a central ducted unit), insulation and air sealing, with an evaluation before and after; households under $70,000 can get free upgrades. Source: SaveEnergyNB.
- Newfoundland and Labrador: takeCHARGE’s Oil to Electric Incentive pays up to $22,000, depending on income and household size, while its budget lasts. Source: takeCHARGE.
Prairies
- Manitoba: Efficiency Manitoba pays insulation rebates by the square foot and R-value added, and its Energy Efficiency Assistance Program is free for lower incomes; Manitoba Hydro’s Home Energy Efficiency Loan lends up to $12,500 on your hydro bill. Source: Efficiency Manitoba.
- Saskatchewan: SaskPower’s retrofit rebate ended in April 2026; the provincial Home Renovation Tax Credit (up to $420, or $525 for seniors) applies to most renovations. Source: Government of Saskatchewan.
- Alberta: the Clean Energy Improvement Program lends up to the full cost, repaid on your property tax bill, in participating municipalities; Calgary’s intake is closed until winter 2026–27. Source: Alberta Municipalities.
Before you sign
- Get pre-approval if the program requires it; many do not pay for work started first.
- Book the energy evaluation first if one is required, and keep invoices, model numbers and photos.
- Use a contractor the program lists, and check whether federal and provincial rebates can be combined.
Compare what each system would cost to run with the home heating cost calculator, and see the tax credits for accessibility and multigenerational renovations in the renovation tax credits guide.
Try the home heating cost calculator →
Official source
Government of Canada · Home energy retrofits
This guide explains general rules. Confirm your figures with your lender, lawyer, or the official source before you act.