National Heat Pump Rebate Ontario:
How to Stack It With Home Renovation Savings

By the Solar X Team. Published November 4, 2026. Last verified November 4, 2026. 12 min read.

Updated November 4, 2026. Program rules are still being finalized by the federal government and can change. Rebates and approvals are never guaranteed.

• Solar X installs heat pumps with our own crews
• Participating Home Renovation Savings heat pump contractor
• Heat pump, solar and battery planned in one assessment

What Is the National Heat Pump Rebate?

The National Heat Pump Rebate is a federal program that pays eligible homeowners back part of the cost of installing a heat pump. A heat pump is an electric system that moves heat into your home in winter and out of it in summer, so one unit heats and cools.

The Government of Canada is investing $2 billion to support up to 820,000 households, according to the official program page. The online portal is expected to open in early 2027 and close in March 2034. No energy audit is required before or after installation.

The Prime Minister's announcement says the program will confirm approval within 24 hours. Both emergency replacements and planned upgrades are accepted, and you do not need to prove your old system broke down.

How Much Can an Ontario Household Get?

The federal rebate has two levels, based on household income:

1. $2,000 for households above the median income for their province and household size.
2. Up to $10,000 for households at or below that median.

The actual amount also depends on the cost of the equipment you install.

Ontario income thresholds for the $10,000 level

Source: Government of Canada, National Heat Pump Rebate program page, based on Statistics Canada 2021 data adjusted for inflation. Checked November 4, 2026.

How to work out your after tax income

Take line 23600 (net income) on your 2025 tax return and subtract line 43500 (total taxes payable). Do the same for your spouse or common law partner and add the two together. When the portal opens, you apply for the higher level by giving your SIN, and the Canada Revenue Agency verifies your income.

Does It Stack With Ontario's Home Renovation Savings Rebate?

Based on what both programs have published so far, yes, if you qualify for both. Here is exactly what each side says.

The federal side. The Prime Minister's announcement states that "both rebates can be combined with existing provincial programs to bring the cost down even further." That is an announcement. The full federal program terms have not been published yet.

The Ontario side. Section 3.5 of the Home Renovation Savings heat pump Program Stream Requirements sets two rules. You cannot get the Ontario rebate on a heat pump that already received, or is expected to receive, an incentive from another Enbridge, Save on Energy or Government of Ontario program. Funding from any other source is allowed, as long as the combined total does not exceed 100% of the cost to supply and install the heat pump. A federal rebate is not on the excluded list, so it falls under the second rule.

What neither side has said yet. Neither program mentions the other by name, and the federal rules are still being finalized. Until both publish matching terms, treat the combined amount as likely, not certain.

Heat pump rebates in Ontario by heating fuel

Sources: Home Renovation Savings heat pump incentive table and Government of Canada program page, checked November 4, 2026. Combined figures are maximums, not typical amounts. They assume you qualify for both programs at the top level and that the total stays under 100% of your project cost.

The rented row means a heat pump you rent under a rental agreement instead of buying it, not a rental property. If you own a home you rent out, the owned rates for your heating fuel apply. The federal program says rented or leased heat pumps may be eligible once it launches, with details to come.

Home Renovation Savings also pays $2,000 per ton, up to $12,000, for ground source systems in homes heated by electricity, oil, propane or wood, and a flat $3,000 in Enbridge gas heated homes.

A worked example from the program itself

Home Renovation Savings bases the rebate on the heat pump's rated heating capacity at 8.3°C, without rounding. Using the program's own example, a cold climate heat pump rated at 3.2 tons earns $4,000 in a home heated with oil, propane, wood or electricity, and $1,600 in an Enbridge gas heated home.

Add the federal rebate and the same oil heated home could reach $6,000 above median income, or more for an eligible household at or below the median. Every home is different, and the final amount depends on your equipment, income and approval.

Can You Install Now and Still Get the Federal Rebate?

Possibly. November 1, 2026 started the retroactivity period. If you install an eligible heat pump between that date and the portal launch, you may apply once applications open.

Here is the catch, in plain terms:

1. No federal money is paid until the program launches and your application is approved.
2. The rules are still being finalized and can change.
3. Your eligibility will be judged on the rules in effect on your install date.

The timing trap if you want both rebates. The federal rebate looks backward, but the Ontario rebate does not. Home Renovation Savings requires your contractor to submit a pre-installation application and get written approval before the heat pump goes in. Install first and you can still try for the federal rebate, but the Ontario rebate is gone. Even in an emergency, get the Ontario pre-approval before the installation starts.

Our view: if your furnace or boiler is failing this winter, do not wait for a portal that is not open yet, but do not skip the Ontario pre-approval either. If your upgrade is planned, you can go ahead, but treat the federal rebate as possible, not guaranteed. Make the project worth doing on the Ontario rebate and your running costs alone, and count the federal rebate as a bonus if it is approved.

Who Qualifies for Each Program?

Federal National Heat Pump Rebate

These are the published rules for installs in the retroactivity period, from November 1, 2026 until the portal opens:

1. The heat pump is on the federal eligible product list, identified by its AHRI number.
2. It was purchased from and installed by an HVAC contractor.
3. You live in Canada and own the home. It does not need to be your primary residence.
4. No federal heat pump funding has already been paid at that address. If a past federal grant, such as the Canada Greener Homes Grant, helped pay for a heat pump there, check before you count on this one.
5. Only one rebate per household, even if you own several properties.
6. Your home can currently be heated by electricity, natural gas, oil, propane, diesel, coal or wood.

Ontario Home Renovation Savings (heat pump stream)

1. You are an Enbridge Gas customer heating mainly with a gas furnace or boiler, or you are on the Ontario electricity grid and heat with electricity, oil, propane or wood.
2. The home is a detached, semi detached, row house, townhome or mobile home on a permanent foundation, or a unit with its own heating system in a stacked townhome, duplex or triplex. New builds need at least six months of occupancy.
3. You own the home and pay for the heat pump. Where there are tenants, the owner applies.
4. It is your first space heating heat pump. Replacing an existing heat pump is not eligible.
5. The unit is on Natural Resources Canada's qualified products list as a cold climate air source or ground source heat pump.
6. Your contractor is registered on the Participating HVAC Contractor List before installation.
7. Your contractor's pre-installation application is approved in writing before the work starts.
8. For oil or propane homes, you sign a tank removal attestation. Oil homes must switch fully to the heat pump and have a TSSA registered contractor maintain, empty or remove the oil tank.

A backup heat source is allowed in most homes, such as a new or existing gas furnace, propane, wood or electric baseboards. Oil heated homes cannot keep oil as backup, though electric backup heat is allowed. Only the heat pump earns the rebate.

What Must Be on Your Heat Pump Receipt?

A missing detail on your invoice can cost you the federal rebate. The program requires receipts that show:

1. The name and address of the person applying.
2. The name of the company installing the heat pump.
3. The make, model and AHRI number of the equipment.
4. The number of heat pumps installed.
5. The total project cost, including directly related work such as ductwork and electrical upgrades.

Receipts must be submitted within 6 months. Before you pay a final invoice, check it against this list.

What Does a Heat Pump Cost in Ontario Before Rebates?

Ontario market ranges as of November 2026, not quotes. Your price depends on your home.

What moves the price:

1. Heating load. Bigger or draftier homes need more capacity. The federal program encourages you to confirm the system is sized to heat your whole home.
2. Ducts. Homes with good existing ductwork are usually simpler than homes that need ductless heads.
3. Electrical capacity. Some homes need panel or circuit work, which also counts toward the total project cost on your receipt.
4. Backup heat. Keeping a gas furnace for a hybrid setup changes the design and the controls.

For refrigerant and brand questions, see our guide to R32 heat pumps and brands in Ontario.

Will a Heat Pump Lower Your Energy Bill?

It depends on what you heat with today.

For homes heated with oil or electric baseboards, the Prime Minister's Office estimates heat pumps save an average of $1,400 a year. That is a government average, not a promise for your home.

For homes heated with natural gas, the Government of Canada warns that switching may not lower heating bills, depending on region, the system selected and other factors. The Ontario program says the same thing in its participant agreement: with the federal carbon charge gone since April 1, 2025, a heat pump in a gas heated home has the potential to increase overall energy bills. Gas homes can still be eligible, but the decision should rest on comfort, air conditioning, emissions and the rebates, not on a promised saving.

Electricity prices matter too. A heat pump moves part of your heating bill from fuel to electricity, so read what the November 2026 Ontario Electricity Rebate change means for your hydro bill before you run the numbers.

Should You Add Solar Panels With a Heat Pump?

This is where most guides stop, and where the order of steps matters most.

A heat pump adds electricity use, mostly in winter. Home Renovation Savings recommends finishing upgrades that raise your energy use, such as a heat pump, before you size solar panels. If you size solar on last year's bills, the system can end up too small for your new home.

There is a second decision. If you also take the Home Renovation Savings solar rebate, the system must run as load displacement, which means you use your solar power on site and do not export it for credits. You cannot also join net metering, now or later. Net metering means sending extra solar power to the grid in exchange for bill credits. Our HRS rebate versus net metering guide walks through which path fits your home.

Solar is not right for every home. Heavy shade, very low usage or a roof near the end of its life can make it a poor fit, and we will tell you if that is your situation. For the full picture, read how solar panels and heat pumps work together in Ontario.

How the Process Works With Solar X

Solar X is a Canadian residential solar, battery and heat pump installer serving Ontario. Here is what happens after you request a quote. We do not promise dates, because approvals and rebates are controlled by the programs, not by us.

1. Assessment. We review your current heating fuel, ducts, electrical panel and usage.
2. Design and sizing. We size the heat pump for your heating load and choose a model on the federal and Ontario qualified product lists.
3. Written quote. You see the equipment, the total project cost and each rebate shown separately, with the conditions attached to each.
4. Contract. You sign only once the scope and the rebate assumptions are in writing.
5. Ontario pre-approval. As a participating contractor, we submit the Home Renovation Savings pre-installation application. Installation waits for written approval.
6. Installation. Our own crews install the system.
7. Ontario rebate. We submit the Home Renovation Savings post installation application. Once it is approved, the program says the cheque should arrive by mail within 60 days.
8. Federal rebate. You receive a receipt with all five required details. You apply yourself when the federal portal opens, because the application uses your SIN.

How Do You Avoid Heat Pump Rebate Scams?

The program page carries its own scam warning. Environment and Climate Change Canada never goes door to door to inspect, sell or rent heating and cooling equipment, and it does not make marketing calls about heat pumps. If someone at your door claims to represent the rebate, treat it as a red flag.

Save on Energy and Enbridge Gas also say they never solicit residential customers by phone or door to door. Our rules for you:

1. Start the conversation yourself with an HVAC contractor you chose.
2. Never give your SIN to a salesperson. It goes only into the official portal.
3. Ask for the rebates in writing, with "subject to approval" stated clearly.
4. Report suspicious contact to Environment and Climate Change Canada, your local police and Consumer Protection Ontario.

Our checklist for vetting any contractor before you sign applies to heat pump contractors too.

When Is a Heat Pump the Wrong Choice?

A rebate does not fix a bad fit. Think twice if:

1. You already have a space heating heat pump. A replacement does not qualify for Home Renovation Savings.
2. You heat with natural gas and your only goal is a lower bill. Savings are not certain.
3. Your home is served by Cornwall Electric and you heat with electricity. You are not eligible for Home Renovation Savings unless you are an Enbridge gas customer.
4. You want the federal rebate but your household already received federal heat pump funding at that address.

Conclusion

Explore our heat pump installation service for system options.

Frequently Asked Questions

How We Checked This Guide

Every rebate amount and rule on this page was checked against the official program documents on November 4, 2026. Here is where each part comes from:

Installed cost ranges are Ontario market estimates and match our R32 heat pump guide. Federal program details are still being finalized, so we will update this page when the full program terms are published or the portal opens.

Sources

• Government of Canada, National Heat Pump Rebate program page (modified November 2, 2026): canada.ca, National Heat Pump Rebate
• Prime Minister of Canada, news release, October 8, 2026: pm.gc.ca
• Home Renovation Savings, Heat Pump Program Stream Requirements, section 3.5 Other Funding Sources (version date May 2025): Program Stream Requirements (PDF)
• Home Renovation Savings, Heat Pump Program Stream Participant Agreement (version date May 2025): Participant Agreement (PDF)
• Natural Resources Canada, cold climate heat pump qualified products list: spl-lpi.nrcan-rncan.gc.ca
• Home Renovation Savings, Help and support (heat pumps, solar and stacking rules): homerenovationsavings.ca/help-and-support