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Durham Region home energy rebates and loans

Durham Region homeowners can borrow up to $125,000 for a heat pump and other upgrades through the region’s Durham Greener Homes Loan Program. Most Durham Region homes heat with natural gas, so Ontario’s Home Renovation Savings Program pays up to $2,000 for an air-source heat pump (up to $7,500 if you heat with electricity, oil or propane). The federal National Heat Pump Rebate will add $2,000, or up to $10,000 below the median income, once it opens.

Durham Region runs from the lakeshore suburbs of Pickering, Ajax, Whitby and Oshawa to the farms and small towns of Brock, Scugog and Uxbridge. Most urban homes heat with natural gas, while rural homes off the gas line often use propane, oil or electric heat.

Programs last verified

A 1980s two-storey brick-and-siding house in a Durham Region suburb, with a heat pump beside the garage.

Durham Region at a glance

Durham Region’s own programs
1 current
Air-source heat pump, gas-heated home
$2,000$7,500 if heated by electricity, oil or propane
Heat pump financing
Up to $125,000
Current programs that apply here
11 local, Ont. and federal

Durham Region’s own programs

Only for homes inside the region (Ajax, Brock, Clarington, Oshawa, Pickering, Scugog, Uxbridge, Whitby).

  • OpenMunicipal

    Durham Greener Homes Loan Program

    Durham Region homeowners (outside Pickering) can borrow up to $125,000 at a fixed 2% over 15 years for energy retrofits, repaid on the property tax bill, along with free coaching and a free weather-readiness home assessment.

    $125,000

    max loan

    Loan
    Last verified October 12, 2026

How Durham Greener Homes works

Open

Durham Greener Homes is Durham Region's home retrofit hub. In May 2026 the Region launched a low-interest local improvement charge loan of up to $125,000 at 2%, repaid on the property tax bill over a fixed 15-year term. The loan stays with the property if you sell. At least 80% of the loan must go to energy-efficiency work such as insulation, windows and doors, air sealing, heat pumps, electric or heat pump water heaters, solar panels and batteries; up to 20% can go to other eligible items such as flood protection, electrical upgrades, EV chargers and EnerGuide evaluation costs. Properties in the City of Pickering are not eligible for the loan yet.

What it pays
Up to $125,000 · Loan
  • Low-interest retrofit loan (local improvement charge)Up to $125,000 at 2%
  • Whitby deep-retrofit incentiveAdditional $5,000
  • Coaching, Weather-ready Home Assessment, vHEATFree
Who qualifies
  • Residential property in Durham Region. Properties in Pickering are not currently eligible for the loan.
  • Only work approved after you enrol counts; appliances, cosmetic work, routine maintenance and completed upgrades are not financed.
  • Pre-retrofit EnerGuide evaluation (dated April 28, 2022 or later) and a post-retrofit evaluation are required.
  • You must agree to take part in case studies and share at least 24 months of energy and utility data before and after the retrofit.
Steps, in order
  1. Book a free consultation with a Durham Greener Homes Coach and complete the Eligibility Verification Form.
  2. Once approved, get a pre-retrofit EnerGuide evaluation and upload it with contractor quotes and the funding request.
  3. Sign the Property Owner Agreement and request up to 50% of the eligible funds.
  4. Complete the work, get a post-retrofit EnerGuide evaluation and submit the Project Completion Report to receive the rest.
  5. Repay through your property taxes, or pay off the balance at any time.
Energy assessment
Yes, before work starts
Run by
Regional Municipality of Durham
Official Durham Greener Homes page(opens in a new tab)Full details and sourcesVerified

What an air-source heat pump can get in Durham Region

Every rebate you could combine for an air-source heat pump in Durham Region, with the region’s programs counted, if you qualify for each. Each program has its own rules about equipment, contractors and pre-approval, so treat this as the most you could get, not a quote.

Heat pump rebates in Ontario

Heat pump · Durham Region

As of October 19, 2026

Heat pump rebates available in Durham Region, stacked
ProgramUp to
Provincial
Home Renovation Savings ProgramCold-climate air-source heat pump (home heated by electricity, oil, propane or wood)$7,500
Open today, up toProgram maximums for an air-source heat pump if you qualify for each. Loans are listed separately and never added.$7,500
When the National Heat Pump Rebate opens (not open yet)+ $2,000
Ground-source (geothermal) heat pump instead (open programs)up to $12,000

Financing

Repayable, never added to the total

Ontario and federal programs that also apply

These cover homes across Ontario or Canada, so they stack on top of the region’s own programs.

Federal programs

Run by the Government of Canada. These apply everywhere.

5 programs

  • OpenFederal

    Multigenerational Home Renovation Tax Credit

    A refundable federal tax credit worth up to $7,000 for 2026 ($7,250 for 2025) for building a self-contained secondary unit so a senior or an adult with a disability can live with a relative.

    $7,000

    max credit

    Tax credit
    Last verified October 12, 2026
  • OpenFederal

    Electric Vehicle Affordability Program

    A point-of-sale discount of up to $5,000 on a new battery-electric or fuel-cell vehicle (up to $2,500 for plug-in hybrids), applied by the dealer. Amounts drop starting in 2027.

    $5,000

    max discount

    Instant discount
    Last verified October 12, 2026
  • OpenFederal

    Home Accessibility Tax Credit

    A non-refundable federal tax credit on up to $20,000 a year of renovations that make a home safer or more accessible for a senior or a person with a disability, worth up to $2,800 for 2026 ($2,900 for 2025).

    $2,800

    max credit

    Tax credit
    Last verified October 12, 2026
  • OpenFederal

    Canada Greener Homes Affordability Program

    Federally funded, no-cost home energy upgrades for low- and median-income homeowners and tenants. You apply through your province's or utility's partner program, not through Ottawa.

    Free

    Free upgrade
    Last verified October 12, 2026
  • UpcomingFederal

    National Heat Pump Rebate

    A new federal rebate announced on October 8, 2026 that will pay $2,000 toward an eligible cold-climate air-source heat pump, or up to $10,000 for households below the median income. Applications are not open yet.

    $2,000

    max rebate

    Up to $10,000 if income-qualified

    Rebate
    Last verified October 12, 2026

Ontario programs

Run by the provincial or territorial government or its energy agency.

3 programs

  • OpenProvincial

    Home Renovation Savings Program

    Ontario's main home-retrofit rebate program. You can claim single upgrades such as a heat pump, attic insulation, solar with a battery, a smart thermostat or ENERGY STAR appliances without an energy assessment, or do an assessment and two or more upgrades for envelope rebates.

    $12,000

    max rebate

    Rebate
    Last verified October 12, 2026
  • OpenProvincial

    Peak Perks

    Get $75 for enrolling an eligible smart thermostat that controls central air or a heat pump, then $20 for each year you stay enrolled. On a few hot weekday afternoons, your cooling is adjusted slightly.

    $75

    max rebate

    Rebate
    Last verified October 12, 2026
  • OpenProvincial

    Energy Affordability Program

    Income-qualified Ontario electricity customers can get free energy upgrades. These range from free saving kits to a full home visit that can include new appliances, insulation, draft-proofing and, for electric or oil-heated homes, a cold-climate heat pump.

    Free

    Free upgrade
    Last verified October 12, 2026

Utility programs

Offered by electricity and gas utilities to their own customers.

2 programs

  • OpenUtility

    Home Winterproofing Program

    Income-qualified households heated by Enbridge natural gas can get a free home energy assessment, plus free insulation, draft-proofing and a smart thermostat where needed.

    Free

    Free upgrade
    Last verified October 12, 2026
  • Closing soonUtility

    myEnergy Rewards

    Hydro One customers in eligible postal codes can get a $100 prepaid card for enrolling a compatible smart thermostat in its demand-response program. The current offer ends November 30, 2026, or earlier if spots run out.

    $100

    max rebate

    Rebate
    Last verified October 12, 2026

Good to know in Durham Region

Who supplies energy here

  • Elexicon EnergyElectricity (Ajax, Pickering, Whitby and other towns)
  • Oshawa PowerElectricity (Oshawa)
  • Hydro OneElectricity (rural areas)
  • Enbridge GasNatural gas

Utility rebates only go to that utility’s customers. Check the name on your bill.

Pickering is excluded from the loan
Durham Greener Homes coaching is region-wide, but properties in Pickering can’t use the regional retrofit loan.
Start with the free coach
Sign up at durhamgreenerhomes.ca and book a Greener Homes Coach before you get quotes. The loan agreement has to be signed before work starts.

Rebates by upgrade in Durham Region

Totals include the region’s programs where they pay for that upgrade. Each link opens the full Ontario breakdown.

Durham Region rebate questions

Answers are generated from the programs above, so they change when the programs do.

Yes. As of October 19, 2026, the region’s Durham Greener Homes Loan Program offers low-interest financing of up to $125,000.

Up to $7,500 for an air-source heat pump today, through Home Renovation Savings Program, if your home and equipment qualify. If your home is heated by natural gas, Home Renovation Savings Program pays up to $2,000 instead. A ground-source (geothermal) system can reach $12,000. The National Heat Pump Rebate will add $2,000 (up to $10,000 below the median income) once it opens; it isn’t open yet. Financing is separate and never counted: Durham Greener Homes (up to $125,000).

The program lists Home Renovation Savings Program as programs it can be combined with. Each program sets its own rules for the same upgrade, so check them before you count on both.

Residential property in Durham Region. Properties in Pickering are not currently eligible for the loan. Only work approved after you enrol counts; appliances, cosmetic work, routine maintenance and completed upgrades are not financed. Pre-retrofit EnerGuide evaluation (dated April 28, 2022 or later) and a post-retrofit evaluation are required. Full rules are on the official program page.

Book a free consultation with a Durham Greener Homes Coach and complete the Eligibility Verification Form. Once approved, get a pre-retrofit EnerGuide evaluation and upload it with contractor quotes and the funding request. Sign the Property Owner Agreement and request up to 50% of the eligible funds. The program page lists the remaining steps.

Yes. Canada Greener Homes Affordability Program, Energy Affordability Program and Home Winterproofing Program offer free or enhanced support to income-qualified households. Income limits depend on household size.

Elexicon Energy: electricity (Ajax, Pickering, Whitby and other towns); Oshawa Power: electricity (Oshawa); Hydro One: electricity (rural areas); Enbridge Gas: natural gas. Utility programs only apply to that utility’s own customers, so check whose name is on your bill.

Other Ontario places with their own programs

See Ontario rebates

Get up to 3 quotes from installers in Durham Region

Tell us what you’re planning. We’ll send your request to up to 3 installers who work in Durham Region and know the Ontario rebate paperwork.

We’re independent. We never take rebate applications or charge you to apply; always apply through the official program.

Request quotes

Free, no obligation. We pass your request to up to 3 independent installers who serve your area and, where a program requires it, are registered with it.

  1. 1. Your project
  2. 2. Your contact details

Step 1 of 2: your project

What would you like quoted?

We use it to find installers who serve your area.

When would you like to start?
Do you own the home?
What kind of home is it?Optional
How do you heat it today?Optional
  • Installers checked against your program’s contractor list, where it has one
  • Installers pay us, never you
  • Sent to up to 3 installers who serve your area. We don't sell or rent lists.