Ontario Heat Pump Rebates 2026: The Complete Guide
Megacity offers in-house rebates — ask at your quote. We don't file government rebate paperwork for customers. Some government programs, including the Home Renovation Savings heat-pump rebate, are submitted by a contractor registered with that program; others, like Save on Energy's Energy Affordability Program, you apply to yourself. The program details below are the program's own rules as of September 2026.
Toronto homeowners can also apply to the City's BetterHomesTO HELP low-interest loan, repaid through the property tax bill. Or skip the upfront cost with the Enbridge Sustain lease-to-own program.
Every rebate amount on this page is the Home Renovation Savings rate published by the program itself at homerenovationsavings.ca, as of September 2026. Amounts, tiers and eligibility change from time to time, so check the program's page before you budget around a figure.
We install across the GTA — see local pricing for Toronto, Scarborough, and North York.
Heat Pump Rebate Programs in Ontario
There are several programs Ontario homeowners can use to offset the cost of a heat pump installation, including rebates, low-interest financing, and lease-to-own options.
Home Renovation Savings Program
StackableOntario's main heat pump rebate program. The amount depends on your current primary heating source. As of September 2026 the program lists $500/ton up to $2,000 for natural-gas-heated homes (Enbridge Gas customers), or $1,250/ton up to $7,500 for homes heated with electricity, oil, propane, or wood. For ground-source (geothermal) systems it lists $3,000 flat for gas homes and $2,000/ton up to $12,000 for other fuels. No home energy assessment is required for a heat pump on its own. Only the program's participating contractors can offer the heat pump rebate, and new contractor registrations are currently paused.
BetterHomesTO HELP Loan
StackableToronto's Home Energy Loan Program (HELP) — a low-interest loan for energy-efficient home improvements, including air-source heat pumps, geothermal, insulation, air sealing, windows and doors, and rooftop solar. Repayment is tied to your property tax bill, with terms up to 20 years for heat pump, solar, geothermal, and window projects. The loan, interest, and admin charge are capped at the lesser of $125,000 or 10% of your property's current value assessment. Toronto homeowners only, and you apply to the City directly.
Enbridge Sustain Lease-to-Own
StackableLease-to-own a new heat pump (or any HVAC equipment) with zero upfront cost. Predictable monthly payments cover installation, annual maintenance, all repairs, and warranty. You own the equipment outright at the end of the 15-year term. Available across Enbridge's Ontario service area.
Energy Affordability Program (oil-heated homes)
The federal Oil to Heat Pump Affordability Program's direct intake closed July 31, 2026 in five provinces and territories: Alberta, Manitoba, the Northwest Territories, Quebec and Saskatchewan. Ontario is a participating province. Income-qualified Ontario homeowners who heat with oil can apply through Save on Energy's Energy Affordability Program for a cold-climate heat pump at no cost. Household income limits run from $48,220 for one person to $127,576 for seven or more, and the program is open with no deadline.
What Types of Heat Pumps Qualify?
Not all heat pump systems qualify for the same rebate amounts. Under the Home Renovation Savings program, rebates are calculated per ton of capacity. Ground source systems qualify for the highest amounts.
Cold-Climate ASHP (gas-heated home)
The program lists $500 per ton for Enbridge Gas customers, so a 4-ton unit reaches the $2,000 cap. The unit must be on NRCan's cold-climate qualified products list.
Cold-Climate ASHP (electric/oil/propane/wood home)
The program lists $1,250 per ton for these homes, 2.5 times the gas-tier rate. A 6-ton unit reaches the $7,500 cap.
Ductless Mini-Split Heat Pump
The program's heat pump rates apply to cold-climate air-source heat pumps on NRCan's qualified list, so check that your exact ductless model is listed. Ideal for homes without ductwork or for zoned heating/cooling.
Ground-Source (Geothermal) Heat Pump
The program's highest tier. Gas homes: $3,000 flat. Other fuels: $2,000/ton up to $12,000. Best for new builds, major renovations, or homes with available outdoor space for the loop field.
Eligibility Requirements
These are the programs' own criteria as of September 2026. Each program confirms eligibility when you apply.
Home Renovation Savings Requirements
- Must be an Enbridge Gas customer at the installation address (for gas customer rates)
- Heat pump rebate offered only through a participating contractor
- Equipment must meet minimum efficiency requirements
- Program lists lower caps for rentals: up to $2,000 air-source, $3,000 ground-source
- No home energy assessment for a single heat pump upgrade
BetterHomesTO HELP Loan Requirements
- Toronto low-rise home — detached, semi, row house, duplex, triplex, up to six units
- Postal code starting with M; all owners on title consent
- Low-interest loan up to $125,000 — fixed rates from 3.34% to 4.75% until September 30, 2026, plus a 2% admin charge
- Repaid through your property tax bill, up to 20 years for a heat pump project
- You apply to the City directly
- Contractor of your choice
How a Heat Pump Install Works With Us
As a certified Enbridge Sustain Trusted Partner, we install heat pumps and offer lease-to-own financing and in-house rebates. Here is what the process looks like when you work with Megacity HVAC.
Free Home Assessment
We visit your home, assess your current system, insulation, and layout, then recommend the best heat pump system for your needs and budget.
System Selection & Quote
We provide a detailed quote including equipment and installation, and go over the Enbridge Sustain lease-to-own program if you want to spread the cost. Ask about our in-house rebates at your quote.
Installation
Our TSSA-certified technicians install your heat pump system according to manufacturer specifications and local building codes. Installation typically takes 1-2 days.
Government Programs
We don't file government rebate paperwork for customers. Some government programs, including the Home Renovation Savings heat-pump rebate, are submitted by a contractor registered with that program. Others you apply to yourself. Only participating contractors can offer the Home Renovation Savings heat pump rebate, and Megacity is not currently registered with the program.
How Long Does the Process Take?
The installation itself is completed quickly. Government program processing is separate from the install: for the Home Renovation Savings heat pump rebate, the program says the cheque arrives by mail within 60 days of its post-installation approval.
Heat Pump Rebate FAQs
How much can I save with heat pump rebates in Ontario?
Do I need an EnerGuide audit for heat pump rebates?
Can I get rebates for a ductless mini-split heat pump?
How long does it take to receive my rebate?
Does Megacity HVAC file the Home Renovation Savings rebate?
Are heat pump rebates available in 2026?
Get a Free Heat Pump Estimate
Contact us for a free assessment. We'll recommend a system, give you a fixed price, and walk you through Enbridge Sustain financing. In-house rebates available — ask at your quote.
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