Insulation rebates in Ontario
In Ontario, the Home Renovation Savings Program (HRSP) pays for insulation: up to $7,700 for insulation.
12 current programs cover insulation in Ontario, from the federal government, the province, a utility and 8 city and regional programs. Get pre-approval from HRSP before the installer starts. Checked October 19, 2026.
Insulation · Ontario
As of October 19, 2026
| Program | Up to |
|---|---|
| Provincial | |
| Home Renovation Savings ProgramInsulation (assessment track: attic, walls, foundation, crawlspace, exposed floor) | $7,700 |
| Open today, up toProgram maximums if you qualify for each. Loans and city-only programs aren’t added. | $7,700 |
Financing
Repayable, never added to the total
12 current programs for insulation
Insulation rebates in every province- Last verified October 12, 2026OpenFederalCanada-wide
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, 2026OpenProvincialOntario
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, 2026OpenProvincialOntario
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, 2026OpenUtilityOntario
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, 2026OpenMunicipalOttawa
Better Homes Ottawa Loan Program
Ottawa homeowners can borrow $10,000 to $125,000 at a fixed 4.33% over 20 years for energy retrofits, repaid on the property tax bill. The program also offers per-ton heat pump incentives and a limited-time $600 loan reduction for EnerGuide assessments.
$125,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalDurham Region
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, 2026OpenMunicipalToronto
Home Energy Loan Program
Toronto homeowners can borrow up to $125,000 at a fixed low rate for energy upgrades and repay it on the property tax bill over up to 20 years. Heat pump-only and solar-only projects no longer need an EnerGuide assessment.
$125,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalPeterborough
Better Homes Peterborough
Peterborough homeowners and landlords can finance energy retrofits with a City loan of $10,000 to $50,000 at 4.50% fixed over 15 years, or a Kawartha Credit Union loan, and earn performance incentives of up to $3,600 for large energy savings.
$50,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalLondon
BetterHomes London
London homeowners can borrow up to $40,000 at a fixed 2.5% rate for energy retrofits and repay it on the property tax bill over 10, 15 or 20 years. Households under the income limits can also get up to $10,000 in incentives that reduce what they repay.
$40,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalWaterloo Region, Cambridge, North Dumfries
RetrofitWR
GrandBridge Energy customers in Cambridge and North Dumfries can borrow up to $40,000 at 2.5% for home energy retrofits, repaid on their monthly hydro bill, plus heat pump and income-qualified incentives. Free energy coaching is open to homeowners across Waterloo Region.
$40,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalPeel Region, Mississauga, Brampton, Caledon
Energy Retrofit Assistance
Income-qualified households in Mississauga, Brampton and Caledon can get a free EnerGuide home energy audit and selected upgrades such as heat pumps and insulation at no cost. It's a pilot with limited space, and applicants are added to a waitlist once it fills.
Free
Free upgrade - Last verified October 12, 2026WaitlistMunicipalGuelph
Guelph Greener Homes
Guelph offers 0% interest loans of up to $50,000 for home energy upgrades, but loan funding is nearly used up and new applicants go on a waitlist. Low-income households can still apply for grants of up to $15,000 toward an air-source heat pump.
$50,000
max 0% loan
Interest-free loan
Closed programs for insulation6 programs no longer taking applications, with what replaced them
- Last verified October 12, 2026ClosedFederalCanada-wide
Canada Greener Homes Loan
An interest-free loan of $5,000 to $40,000 for energy retrofits that closed to new applicants on October 1, 2025. Homeowners already approved can still finish their projects.
$40,000
max 0% loan
Interest-free loan - Last verified October 12, 2026ClosedFederalCanada-wide
Canada Greener Homes Grant
The federal grant of up to $5,000 for home retrofits (plus up to $600 for EnerGuide evaluations) is fully closed. New applications stopped in February 2024 and the final payment deadline passed on December 31, 2025.
$5,600
max grant
Grant - Last verified October 12, 2026ClosedUtilitySarnia, Point Edward, Brights Grove
Sarnia Saves
A Sarnia-area pilot that offered up to $15,000 in free insulation, draft-proofing and other upgrades through approved contractors. It reached capacity and closed to new applications in spring 2026, though a smart-thermostat enrolment reward is still offered locally.
$15,000
max discount
Instant discount - Last verified October 12, 2026ClosedUtilityOntario
Home Efficiency Rebate Plus
Enbridge's former assessment-based rebate for insulation, windows, air sealing and heat pumps, delivered with the federal Canada Greener Homes Grant. It closed to new applicants in February 2024 and has been replaced by the Home Renovation Savings Program.
Closed
Rebate - Last verified October 12, 2026ClosedMunicipalKingston
Better Homes Kingston
Kingston's property-tax retrofit loan of up to $50,000, plus rebates for Utilities Kingston natural gas customers, came back in 2026 but is no longer taking applications. You can join the City's waitlist to hear about the next round.
$50,000
max loan
Loan - Last verified October 12, 2026ClosedMunicipalHamilton
Better Homes Hamilton Pilot Program
Hamilton's pilot offered 0% loans of up to $20,000 for insulation, air sealing and heat pumps, repaid through property taxes. It closed to applications on February 1, 2024.
$20,000
max 0% loan
Interest-free loan
If you were counting on a program that closed: what replaced Canada Greener Homes Loan, what replaced CGHG, what replaced HER+ and what replaced BHH.
Getting insulation right in Ontario
The first tip comes from the program’s own steps. Each program’s rules come first.
- How HRSP works in Ont.
- Go to homerenovationsavings.ca and choose the with-assessment or without-assessment path. Heat pumps and attic insulation: confirm eligibility online and hire a participating contractor, who submits the application. Heat pumps need pre-approval before installation.
- Start with the attic
- Attics are usually the cheapest place to add insulation and often have the fastest payback.
- Seal before you insulate
- Air-seal the attic floor, top plates and penetrations first. Insulation slows heat; it doesn't stop air leaks.
- Keep the paperwork
- Rebates are often based on the area and R-value added. Ask for invoices that list both, and photos before and after.
Other upgrades in Ontario
- Heat pumps13 current programsopen today, up to$7,500
- Windows & doors10 current programs
- Air sealing11 current programsopen today, up to$250
- Water heaters9 current programsopen today, up to$500
- Smart thermostats8 current programsopen today, up to$300
- Energy audits9 current programsopen today, up to$600
- Solar panels9 current programsopen today, up to$5,000
- Home batteries6 current programsopen today, up to$5,000
- EV chargers4 current programs
- Electric vehicles2 current programsopen today, up to$5,100
- Furnaces & boilers1 current program
- Appliances3 current programsopen today, up to$200
- Loans & financing8 current programs
- Free upgrades6 current programs
Get up to 3 insulation quotes in Ontario
Tell us about your home. We’ll send your request to up to 3 installers who know the Ontario rebate paperwork for insulation.
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. Your project
- 2. Your contact details
- 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.