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Multigenerational Home Renovation Tax Credit

Run by Canada Revenue Agency · Also called MHRTC

The Multigenerational Home Renovation Tax Credit gives homeowners a tax credit worth up to $7,000 for building a secondary unit for a senior or adult with a disability.

Up to

$7,000

for building a secondary unit for a senior or adult with a disability

Verified

At a glance

Key facts about Multigenerational Home Renovation Tax Credit
Maximum amount$7,000 CAD (2026)Up to $7,000 for 2026 (up to $7,250 for 2025)
Funding typeTax credit
StatusOpen
Who can applyHomeowners
Energy assessment requiredNo
Income-testedNo
DeadlineNo end date published
WhereCanada
LevelFederal
Run byCanada Revenue Agency
Official pagecanada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-45355-mhrtc.html
Last verified
Verified byRebate Researcher, RebateHub
ConfidenceHighEvery figure matches the official program pages.

Multigenerational Home Renovation Tax Credit. RebateHub.ca, https://rebatehub.ca/rebates/ca-multigenerational-home-renovation-tax-credit#key-facts. Last verified October 12, 2026. Official source: https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-45355-mhrtc.html

What you can get

What Multigenerational Home Renovation Tax Credit pays for each upgrade
UpgradeUp to
Building a secondary unit for a senior or adult with a disability14% of up to $50,000 in costs (2026)14.5% of up to $50,000, or $7,250, for renovations completed in 2025.$7,000

How it works

This credit helps families create a separate, self-contained living space, with its own private entrance, kitchen, bathroom and sleeping area, so that a senior aged 65 or older, or an adult eligible for the disability tax credit, can live with a relative.

You can claim up to $50,000 of qualifying costs for each qualifying renovation. The credit rate follows the lowest federal tax rate: 15% for 2023 and 2024 (up to $7,500), 14.5% for 2025 (up to $7,250) and 14% from 2026 (up to $7,000). Because it is refundable, you can receive it even if you owe no tax.

You claim it for the tax year the renovation is completed. Only one renovation can be claimed for each qualifying individual in their lifetime, and both the senior or adult with a disability and the relative must live in the home within 12 months after the work ends.

Who qualifies

  • The renovation creates a self-contained secondary unit (private entrance, kitchen, bathroom and sleeping area) in a home in Canada
  • The unit is for a qualifying individual: a senior (65+ at the end of the year) or an adult aged 18 to 64 eligible for the disability tax credit
  • The qualifying individual and a qualifying relative (18+; for example a parent, child, grandchild, sibling, aunt, uncle, niece or nephew) must live in the home within 12 months after the renovation ends
  • The home is owned by the qualifying individual or the qualifying relative
  • Only one renovation can be claimed for each qualifying individual in their lifetime

How to apply

  1. Step 1: Keep all invoices and proof of payment for the renovation

  2. Step 2: Calculate the credit on Schedule 12 when you file for the year the renovation was completed

  3. Step 3: Enter the result on line 45355 of your federal income tax return

  4. Step 4: Keep supporting documents in case the CRA asks for them

Apply on the official site

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Stacks with MHRTC

The program says these can be combined with it for the same home. Check each one’s rules for the same upgrade before you count on both.

  • OpenFederalCanada-wide

    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

Sources

Official program pagecanada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/line-45355-mhrtc.html

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