Insulation rebates in Canada
Every province and territory has at least one way to pay for insulation: 57 current programs including 1 federal program. Homeowners can stack the most in Québec ($12,500), the Northwest Territories ($8,000) and Ontario ($7,700) today. Pick your province for the rates that fit your home.
Insulation is one of the cheapest upgrades per dollar saved, and many provinces pay a large share of the cost, especially for attics. Some programs need a before-and-after energy assessment to measure the improvement. Here's where insulation rebates are open and what each one requires.
Programs last verified
Insulation rebates: the most you can get, by province
Program maximums you could stack if you qualify for each, from programs open today. Loans and city-only programs are not added.
Income-qualified households can get more; see each province.
Federal programs
Apply in every province and territory.
- 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
Provincial, utility and city programs
- Last verified October 12, 2026OpenUtilityBritish Columbia
Home Renovation Rebate Program
Rebates for B.C. households of any income for heat pumps in electrically heated homes, insulation, windows and doors, and heat pump water heaters, plus larger heat pump rebates for northern homes leaving oil, gas or propane.
$12,500
max rebate
Rebate - Last verified October 12, 2026OpenUtilityBritish Columbia
FortisBC Insulation Rebates
Rebates for adding insulation to attics, walls, basements and floors in homes heated by FortisBC natural gas or electricity.
$5,800
max rebate
Rebate - Last verified October 12, 2026OpenUtilityBritish Columbia
Energy Conservation Assistance Program
Free home energy evaluation and no-cost installation of upgrades such as heat pumps, insulation and draft-proofing for income-qualified B.C. households.
Free
Free upgrade - Last verified October 12, 2026OpenMunicipalNelson
Nelson Hydro On-Bill Financing (EcoSave Energy Retrofit Loan)
City of Nelson homeowners can borrow up to $16,000 for energy efficiency upgrades and repay it on their Nelson Hydro electric bill. The July 2026 terms show a 3.5% fixed rate over 2, 5 or 10 years.
$16,000
max loan
Loan - Last verified October 12, 2026OpenMunicipalNanaimo
Nanaimo Home Energy Retrofit Financing Program
Nanaimo homeowners can borrow up to $15,000 interest-free for heat pumps, insulation, windows and doors, solar and batteries, repaid over 10 years on the property tax bill. The current intake runs September 14 to October 31, 2026.
$15,000
max 0% loan
Interest-free loan - Last verified October 17, 2026OpenMunicipalVancouver
Heritage Multi-Unit Retrofit Grant
Owners of pre-1940 or heritage-listed Vancouver houses that have two or more units, or are being converted, can get up to $5,000 toward energy upgrades when switching from gas or oil to electric heating or hot water. Evaluations are covered too.
$5,000
max grant per building
Grant - Last verified October 12, 2026OpenMunicipalRegional District of Central Kootenay, Nelson, Castlegar, Creston, Kaslo, Nakusp, New Denver, Salmo, Silverton, Slocan
HomeSave Central Kootenays Retrofit Rebate and Loan Access
Homes anywhere in the Regional District of Central Kootenay can earn a $2,500 or $5,000 rebate for upgrades that cut energy use by at least 20% or 50%, plus free advice, subsidized EnerGuide evaluations and access to a credit union retrofit loan.
$5,000
max rebate
Rebate
- Last verified October 12, 2026OpenMunicipalBanff
Banff Deep Retrofit Program
Banff homeowners who cut their home's energy use deeply can earn a rebate of $125 for every gigajoule saved, rising to $250 per gigajoule beyond new-home performance, worth up to $20,000.
$20,000
max rebate
Rebate - Last verified October 12, 2026OpenMunicipalAirdrie, Banff, Beaumont, Calgary, Canmore, Cold Lake, Devon, Drayton Valley, Edmonton, Grande Prairie, Jasper, Lac La Biche County, Leduc, Lethbridge, Medicine Hat, Okotoks, Pincher Creek, Rocky Mountain House, Spruce Grove, St. Albert, Stettler, Stirling, Strathcona County, Sturgeon County, Taber, Westlock, Wetaskiwin
Clean Energy Improvement Program (Alberta)
Property-tax-based financing that can cover up to the full cost of energy efficiency and renewable energy upgrades in participating Alberta municipalities.
Varies
Loan - Last verified October 12, 2026WaitlistMunicipalEdmonton
City of Edmonton Residential Clean Energy Improvement Program
Edmonton's property-tax financing for home energy upgrades, from $3,000 up to $50,000 at a fixed 6% rate; new pre-qualifications are being waitlisted.
$50,000
max loan
Loan - Last verified October 12, 2026WaitlistMunicipalCalgary
Calgary Home Upgrades Program
Free home energy upgrades, such as insulation and efficient furnaces, for income-qualified Calgary homeowners and renters; the upgrades stream is taking waitlist applications.
Free
Free upgrade - Last verified October 12, 2026UpcomingMunicipalCalgary
City of Calgary Residential Clean Energy Improvement Program
Calgary's property-tax financing for home energy upgrades of up to $50,000; residential intake is closed until winter 2026/2027.
$50,000
max loan
Loan
- Last verified October 12, 2026OpenUtilitySaskatchewan
SaskEnergy Homes Beyond Code: Homeowner Rebate
Buyers of a new Saskatchewan home built to Tier 3, 4 or 5 of the National Building Code energy requirements can get a SaskEnergy rebate of $3,000, $5,000 or $9,000.
$9,000
max rebate per home
Rebate - Last verified October 12, 2026OpenMunicipalSaskatoon
Saskatoon Home Energy Loan Program
Low-interest loans of $1,000 to $40,000 (up to $60,000 for deep retrofits) for Saskatoon homeowners, repaid on the property tax bill, plus a $1,000 rebate toward EnerGuide evaluations.
$60,000
max loan
Loan
- Last verified October 12, 2026OpenProvincial
Efficiency Manitoba Energy Efficiency Assistance Program
Free insulation, free heat pumps for electrically heated homes, low-cost furnace upgrades and other help for income-qualified Manitoba homeowners and renters.
Free
Free upgrade - Last verified October 12, 2026OpenProvincial
Efficiency Manitoba Home Energy Retrofits
A performance-based rebate for deep home renovations in Manitoba: $75 for every gigajoule of annual energy saved up to typical new-home performance, and $150 per gigajoule beyond it.
Varies
Rebate - Last verified October 12, 2026OpenProvincial
Efficiency Manitoba Home Insulation Rebate
Rebates on insulation for attics, roofs, walls and foundations in Manitoba homes, based on area and R-value added, plus up to $1,000 extra for air sealing.
Varies
Rebate - Last verified October 12, 2026OpenUtility
Manitoba Hydro Home Energy Efficiency Loan
On-bill financing from Manitoba Hydro of up to $12,500 per home, or up to $20,000 when it includes a ground source heat pump or solar, at 6.20% for the first five years.
$20,000
max loan per home
Loan
- 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
- Last verified October 12, 2026OpenProvincialQuébec
Rénoclimat
Québec's home renovation grant was overhauled on October 1, 2026. It now pays fixed rates for insulation, windows and fixed home batteries without a mandatory energy evaluation, and adds a new flood-adaptation stream.
$31,000
max grant
Grant - Last verified October 12, 2026OpenProvincialQuébec
Novoclimat – Certified Energy-Efficient New Homes
Buyers of a new home built and certified to the Novoclimat standard get a $2,000 grant, or $4,000 if they are first-time buyers.
$4,000
max grant
Grant - Last verified October 12, 2026OpenUtilityQuébec
LogisVert Efficient Homes Program
Hydro-Québec's main home-efficiency program pays grants for heat pumps, geothermal systems, electric thermal storage, roof insulation with air sealing, and a few efficient appliances.
$22,000
max rebate
Rebate - Last verified October 12, 2026OpenMunicipalMontréal
Réno logement abordable – Affordable Housing Renovation Program (6+ Dwellings)
Montréal pays 30% to 40% of renovation costs, up to $14,000 per unit and $500,000 per building, for older rental buildings of 6 or more units that keep at least a third of their rents affordable. Any oil-fired boiler, furnace or water heater must be replaced as part of the work.
$575,000
max grant
Grant - Last verified October 12, 2026OpenMunicipalMontréal
RénoPlex – Renovation Subsidies for Buildings with 1 to 5 Dwellings
Montréal pays fixed amounts per item of renovation work, such as windows, doors, insulation, oil-heating replacement and envelope repairs, on modestly valued buildings of 1 to 5 units, plus a flood-protection stream.
$52,000
max grant
Grant - Last verified October 12, 2026OpenMunicipalLongueuil
Programme d'amélioration de l'isolation (PAI) – Rénoclimat Top-Up near the Saint-Hubert Airport
Longueuil adds 25% to the Rénoclimat grant, up to $3,000 per building, for owner-occupants in a zone around the Saint-Hubert airport. There is a $25 bonus for the blower-door test.
$3,000
max grant
Grant - Last verified October 12, 2026OpenMunicipalRepentigny
Bonification Rénoclimat, Chauffez vert et LogisVert – Energy Renovation Top-Ups
Repentigny adds 25% to the grant you received from Rénoclimat (up to $500) or Hydro-Québec's LogisVert (up to $200). Owners who got a Chauffez vert cheque in the past 12 months can also claim 25% up to $500.
$500
max grant
Grant
- Last verified October 12, 2026OpenUtility
Rental Owners Rebate Program
Owners of year-round residential rental properties in New Brunswick can receive up to $500,000 per project site, and up to $2 million per owner each fiscal year, toward pre-approved energy-efficient upgrades.
$500,000
max rebate per project
Rebate - Last verified October 12, 2026OpenUtility
New Home Energy Savings Program
People building a new home in New Brunswick can have their plans energy-modelled for $99 plus HST and receive up to $15,000 depending on how efficient the finished house is.
$15,000
max rebate
Rebate - Last verified October 12, 2026OpenUtility
Total Home Energy Savings Program
New Brunswick homeowners pay $99 plus HST for before-and-after energy evaluations, then receive rebates for recommended upgrades such as heat pumps, insulation, air sealing, windows and heat pump water heaters.
Varies
Rebate - Last verified October 12, 2026WaitlistUtility
Enhanced Energy Savings Program
New Brunswick homeowners with household income of $70,000 or less can get insulation, ventilation and, where suitable, a heat pump at no cost, but new registrations are on a waiting list that NB Power says could be up to two years.
Free
Free upgrade
- Last verified October 12, 2026OpenProvincialNova Scotia
Home Energy Assessment Program
Any Nova Scotia homeowner can book an EnerGuide home energy assessment and then claim up to $5,000 in rebates for the recommended upgrades they complete, regardless of income or heating fuel.
$5,000
max rebate
Rebate - Last verified October 12, 2026OpenProvincialNova Scotia
Moderate Income Rebate
Moderate-income homeowners who heat mainly with oil, propane or another non-electric fuel can get a free home energy assessment and up to $5,000 in extra rebates on top of the regular Home Energy Assessment rebates.
$5,000
max rebate, income-qualified
Rebate - Last verified October 12, 2026OpenProvincialNorth Preston, East Preston, Cherry Brook, Lake Loon, Sunnyville, Lincolnville, Upper Big Tracadie, Monastery, Mulgrave
African Nova Scotian Communities Retrofit Program
African Nova Scotian homeowners in Preston Township and Guysborough-area communities can get a free home energy assessment, and low- to moderate-income households can receive upgrades such as insulation, weatherproofing and a switch from oil to a heat pump, usually at no cost.
Free
Free upgrade - Last verified October 12, 2026OpenProvincialNova Scotia
HomeWarming
Lower-income Nova Scotia homeowners can get a free home energy assessment and free upgrades such as insulation, draft-proofing and heat pumps, installed by contractors that Efficiency Nova Scotia arranges.
Free
Free upgrade - Last verified October 12, 2026OpenMunicipalHalifax
HalifACT Home Energy Upgrade Program
Owners of oil-heated Halifax homes built before 2000 can finance heat pumps, insulation and electric water heaters at a fixed 4.75% over 10 years, if the upgrades cut the home's energy use by at least half.
Varies
Loan
- Last verified October 11, 2026OpenProvincial
Energy Efficiency Loan Program
Homeowners pre-approved under PEI's home insulation rebates can borrow up to $10,000 from Finance PEI to cover the upfront cost of envelope upgrades.
$10,000
max loan
Loan - Last verified October 11, 2026OpenProvincial
Free Home Insulation Program
Income-qualified Island homeowners can have insulation upgrades done at no cost, with materials, contractors and guidance covered by the province and the federal government.
Free
Free upgrade - Last verified October 12, 2026OpenProvincial
Home Insulation Rebates
Island homeowners and landlords who get a subsidized $99 EnerGuide assessment can claim rebates for insulation, air sealing and ENERGY STAR windows and doors, with higher rates for households earning $35,000 or less.
Varies
Rebate
- Last verified October 12, 2026OpenProvincial
Provincial Home Repair Program (including former Home Energy Savings Program)
Low-income Newfoundland and Labrador homeowners can get a forgivable loan of up to $10,000 ($13,000 in Labrador) for repairs, including the energy-efficiency work formerly covered by the Home Energy Savings Program.
$13,000
max grant, income-qualified
Grant - Last verified October 12, 2026OpenUtility
Utility On-Bill Financing
Newfoundland Power and NL Hydro customers who own their homes can finance heat pumps, insulation and other efficiency upgrades on their power bill; NL Hydro lends up to $10,000 over 60 months for heat pumps.
$10,000
max loan
Loan - Last verified October 12, 2026OpenUtility
takeCHARGE Insulation Rebates
Electrically heated homes can get 75% of attic and basement insulation costs back, up to $1,000 per area plus up to $500 per area for professional labour, for a total of up to $3,000.
$3,000
max rebate
Rebate - Last verified October 12, 2026OpenUtility
TakeCharge Greener Homes Program
A new income-tested program that pays for home energy assessments, a mini-split heat pump, an HRV, insulation and air sealing at no cost to eligible households, including tenants through their landlords.
Free
Free upgrade
- Last verified October 11, 2026OpenProvincial
Better Buildings Program
Yukon property owners can borrow up to $50,000 for home energy retrofits at a rate tied to the Bank of Canada rate and repay it through a local improvement charge on their property taxes.
$50,000
max loan
Loan - Last verified October 11, 2026OpenProvincial
Good Energy Home Insulation and Retrofit Rebates
Yukon homeowners can get Good Energy rebates for insulation, air sealing and window upgrades recommended in an energy advisor's report.
$10,000
max rebate
Rebate
- Last verified October 12, 2026OpenProvincial
Home Insulation Rebates
NWT homeowners can get up to $8,000 for exterior wall insulation, plus separate rebates for ceilings, basements, headers, crawlspaces and exposed floors.
$8,000
max rebate per item
Rebate
- Last verified October 12, 2026OpenProvincial
Home Renovation Program
Nunavummiut who own and live in their homes can get a forgivable loan of up to $100,000 for major repairs and renovations, including energy efficiency work, or a 50% rebate up to $20,000 for completed repairs.
$100,000
max loan, income-qualified
Loan
Closed programs for insulation15 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, 2026ClosedUtilitySaskatchewan
Home Efficiency Retrofit Rebate
Saskatchewan's utility rebate for insulation, windows, doors and air sealing ended in April 2026.
$2,000
max rebate
Rebate - Last verified October 12, 2026ClosedUtilitySaskatchewan
Energy Efficiency Discounts Program
Seasonal in-store discounts on smart thermostats, washers, dishwashers and other efficiency products; the 2026 round ended July 27, 2026.
$100
max discount per item
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, 2026ClosedMunicipalAmherst, Bridgewater, Cumberland County, East Hants, District of Lunenburg, Victoria County, District of Barrington, District of Chester, District of Digby, Inverness County, New Glasgow, District of Yarmouth
Clean Energy Financing
Clean Energy Financing, which let homeowners in 12 Nova Scotia municipalities repay energy upgrades through their property tax bill, is no longer accepting new applications.
$40,000
max loan
Loan - Last verified October 12, 2026ClosedMunicipalCharlottetown
Switch Charlottetown
Charlottetown's 0% property-linked financing for heat pumps, solar, insulation and other upgrades is fully subscribed and no longer accepting new projects.
$40,000
max 0% loan
Interest-free 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 - Last verified October 12, 2026ClosedMunicipalMedicine Hat
HAT Smart Existing Homes Incentive Program
Medicine Hat's 2026 rebate of up to $5,000 for insulation, windows, doors, tankless water heaters, HRV/ERV and solar is fully subscribed and no longer taking new requests.
$5,000
max rebate
Rebate - Last verified October 12, 2026ClosedMunicipalLethbridge
City of Lethbridge Clean Energy Improvement Program
Lethbridge’s property-tax financing covers up to 100% of home energy upgrades at a fixed 2.83% over up to 25 years, with a $1,350 rebate on completed projects. The program is at capacity and isn’t taking new pre-qualifications.
Varies
Loan - Last verified October 12, 2026ClosedMunicipalSt. Albert
City of St. Albert Clean Energy Improvement Program
St. Albert’s property-tax financing covers up to 100% of home energy upgrades at a low rate, with a $1,400 incentive on completed projects. Pre-qualification closed on October 1, 2026 because the program is at capacity.
Varies
Loan - Last verified October 12, 2026ClosedMunicipalEdmonton
Edmonton Home Energy Retrofit Accelerator
Edmonton's rebate program for EnerGuide-guided home retrofits is fully subscribed and no longer accepting enrolments or rebate applications.
Closed
Rebate - Last verified October 12, 2026ClosedMunicipalStrathcona County
Strathcona County Clean Energy Improvement Program
Strathcona County’s property-tax financing covers up to 100% of home energy upgrades at 2% over up to 20 years, with a 5% incentive on completed projects. The program is at capacity and closed to new pre-qualifications.
Varies
Loan
Getting insulation right
General advice. Each program’s own rules come first.
- 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.
- Check whether an assessment is needed
- Wall and basement insulation rebates often need before-and-after energy assessments, while attic-only rebates sometimes don't.
Get up to 3 insulation quotes
Tell us where you live and what you’re planning. We’ll send your request to up to 3 installers who know the local 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. 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.