Home Energy Rebates in Ontario for 2027: Insulation, Windows and More

By Jatin Dua · Broker of Record, RE/MAX Quantum Realty · Updated 2 November 2026 · 11 min read — Every Ontario home energy rebate for 2027 in one place: insulation, windows, air sealing, thermostats, solar, free upgrades and the Toronto HELP loan.

This guide is for Ontario homeowners and landlords planning insulation, windows, air sealing or other energy upgrades in 2027 who want to know which rebates are real, what each one pays and which ones need an energy audit first. Amounts are as published in November 2026, and I flag what is changing.

What home energy rebates are available in Ontario for 2027?

Most of the money now runs through one provincial program, Home Renovation Savings, delivered by Enbridge Gas and Save on Energy with Ontario government support. Rebates are paid by cheque or e-Transfer after the work is approved, and amounts change from time to time, so always check the program site on the day you book.

The program has two tracks:

• Bundle track (assessment required): book a home energy assessment first, then do at least two upgrades such as wall or basement insulation, windows, air sealing or a heat pump water heater.
• Single-upgrade track (no assessment): heat pumps, solar panels and batteries, attic insulation, smart thermostats and some appliances.

On top of that you have free upgrades for income-qualified homes, the new federal heat pump rebate opening in early 2027, and in Toronto, a City loan repaid through your property tax bill. The big federal grant program of the past few years is closed.

Which Ontario energy rebates need a home energy assessment?

The bundle track pays the most for building-envelope work, the walls, roof and basement that keep heat in. You start with an assessment by a registered energy advisor, choose at least two upgrades from the report, have them done, then book a follow-up assessment with the same advisor.

Source: Home Renovation Savings, energy-assessment upgrades page and help centre, checked 10 November 2026. The program’s headline figure for all insulation is up to $7,700.

Two rules cost people money. First, the initial assessment must happen before any work starts; the help centre says if you already began, you are out of the bundle track. Second, a professional must install windows, insulation and heat pump water heaters. Only air sealing can be done yourself, and the program suggests leaving it as your third upgrade, because missing the air-tightness target can knock it out.

How much is the insulation rebate in Ontario?

It depends on which track you use. If attic insulation is the only job, the no-assessment attic stream pays up to $1,250 when you start at R-12 or less, $1,000 from above R-12 to R-25, and $800 from above R-25 to R-35, in each case for topping up to R-50. Cathedral ceilings and flat roofs get $650 or $750. The help centre says this rebate is 50% of the after-tax cost, up to those caps, and you must use a contractor from the program’s closed list.

Inside the bundle track, the attic amounts are higher ($900 to $1,500), and you can add wall and basement insulation for much larger totals. A house that needs the attic, the basement walls and new windows is usually better off booking the assessment. A house that only needs the attic topped up can skip it.

Stacked townhouses, and homes occupied for six months or less, are excluded from the attic stream. Condo apartments are not on the program’s list of eligible home types at all.

Can you get a rebate for new windows and doors in Ontario?

Yes, but only through the bundle track. The rebate is $100 per rough opening for ENERGY STAR certified windows, doors, skylights or sliding doors, and the minimum is three window openings or one door. All windows and doors together count as one upgrade, so you still need one more upgrade, such as attic insulation or air sealing, to qualify.

Be realistic about the math. On a typical house, windows earn a few hundred to a couple of thousand dollars in rebates, against a much larger replacement bill. Windows are often worth doing for comfort, noise and resale, but the rebate alone will not justify them.

Which energy upgrades get a rebate without an energy audit?

Source: Home Renovation Savings upgrade pages, checked 10 November 2026. Appliance rebates are limited to two per category per home.

The solar condition matters. If you take the program’s solar or battery rebate, you cannot also sign a net-metering agreement with your utility; the system has to be sized to cover your own use. I explain how solar affects a sale in solar panels and home value in Ontario. For heat pumps specifically, including the new federal rebate, see my guide to heat pumps in Toronto.

If you already have a smart thermostat and central air or a heat pump, Save on Energy’s Peak Perks program pays $75 when you enrol and $20 for each year you stay. In return, it can nudge your thermostat by up to two degrees for up to three hours on peak summer days, with notice and an opt-out.

Are there free energy upgrades for low-income homes in Ontario?

Yes. Enbridge Gas’s Home Winterproofing Program and Save on Energy’s Energy Affordability Program now share one application. Eligible households get a free home energy assessment and free upgrades such as insulation and draft proofing, and electrically heated homes can also get items like a smart thermostat, efficient appliances and, for electric- or oil-heated homes, a cold-climate heat pump.

Source: Save on Energy, Energy Affordability Program, checked 10 November 2026.

You can also qualify by having received certain benefits in the last 12 months, including the Guaranteed Income Supplement, ODSP, Ontario Works, the Ontario Electricity Support Program or the Low-Income Energy Assistance Program. Unlike the rebate programs, renters on the utility account can apply.

What federal home energy rebates are left in 2027?

Fewer than before. The Government of Canada says the Canada Greener Homes Grant is closed, with 31 December 2025 the last day to submit documents, and the Greener Homes Loan is not approving new applications. The Oil to Heat Pump Affordability Program has closed in several provinces; in Ontario, oil-heated, income-eligible households reach it through the Energy Affordability Program described above.

What is new is the National Heat Pump Rebate. Environment and Climate Change Canada says it opens through an online portal in early 2027, pays $2,000, or up to $10,000 for households below median income, and may cover cold-climate heat pumps installed from 1 November 2026. Its details are still being finalized. The federal government also lists a Canada Greener Homes Affordability Program for low-to-median-income households, delivered through provinces and territories; as of November 2026 the federal page does not say how it will work in Ontario.

How can Toronto homeowners pay for energy upgrades?

The City of Toronto’s Home Energy Loan Program (HELP) lends up to $125,000 for insulation, windows and doors, air sealing, heat pumps, high-efficiency furnaces and water heaters, solar and more. For most projects you need an EnerGuide assessment before and after, the same type the provincial bundle track uses, so one set of assessments can serve both.

Rates valid until 31 December 2026 run from 3.83% for a 5-year term to 5.12% for 20 years, plus a 2% administration charge. The total cannot exceed 10% of the property’s assessed value or $125,000, whichever is lower, and lender consent is needed if you have a mortgage. Repayment is through the property tax bill. The City says the loan stays with the property if you sell, so the buyer would take over the balance unless it is paid out.

Do energy upgrades raise your home’s value in the GTA?

Some do, mostly by removing reasons for a buyer to discount. In January to October 2026, median detached prices fell year over year in Mississauga (-5.8%), Brampton (-8.9%) and Markham (-6.5%), and average days on market rose (TRREB MLS data via REALM, municipality level). In a slower market, inspectors’ notes about thin attic insulation, drafty windows or an old furnace turn into price requests.

For the selling side, see the upgrades that add value in Toronto and how buyers negotiate after an inspection. Toronto owners should also look at the City’s basement flooding subsidy, explained in my basement flooding subsidy guide, since backwater valves often get done at the same time as basement insulation.

What to do next

1. List the upgrades you want and decide whether two or more of them fall in the bundle track.
2. If yes, book the initial home energy assessment through Home Renovation Savings before any contractor starts.
3. For single upgrades, use the program’s eligibility form and its participating contractor lists, and get written pre-approval where required.
4. Check the income limits for free upgrades if your household might qualify.
5. In Toronto, compare HELP’s rates with your own mortgage or line of credit before borrowing.

Frequently asked questions

Sources

• Home Renovation Savings — Upgrades that need a home energy assessment
• Home Renovation Savings — Attic insulation
• Home Renovation Savings — Help and support
• Home Renovation Savings — Solar panels and battery storage
• Home Renovation Savings — Appliances
• Save on Energy — Energy Affordability Program
• Government of Canada — Canada Greener Homes Initiative
• City of Toronto — Home Energy Loan Program (HELP)

Related reading

• Biggest Condo Developers in Toronto: Track Records Buyers Should Check
• Is It a Good Idea to Buy a Condo in Toronto in 2027?
• Buying a House in Ontario on a Work Permit (2027): What the Foreign Buyer Ban Allows
• Can You Buy a House With No Down Payment in Ontario?