The Stacking Table
This is the table to keep open while you collect quotes. "Stacks with" means the published rules do not bar combining the two; it does not mean the second program is guaranteed.
| Program and measure |
Typical amount (published) |
Stacks with |
Pre-approval before work? |
Who applies and who gets paid |
| HRS cold-climate air-source heat pump, electric, oil, propane or wood home |
$1,250 per rated ton, up to $7,500 (3 tons = $3,750) |
HRS envelope rebates on other measures; federal heat pump rebate not excluded by HRS's rule (federal terms unpublished) |
Yes, written, through a participating contractor |
Contractor files pre- and post-install; cheque to the owner within 60 days |
| HRS cold-climate air-source heat pump, Enbridge gas home |
$500 per rated ton, up to $2,000 (3 tons = $1,500) |
Same as above |
Yes |
Same as above |
| HRS ground-source heat pump |
$2,000 per ton up to $12,000; $3,000 flat in Enbridge gas homes |
Same as above |
Yes |
Same as above |
| HRS insulation, bundled path |
Attic $900 to $1,500; walls $1,200 to $3,600; basement wall $900 or $1,500; up to $7,700 combined |
Other HRS bundled measures; HRS single-path heat pump and solar |
Energy assessment must come first |
Energy advisor files after the follow-up assessment; payment in 60 days by cheque or 30 by e-Transfer |
| HRS attic insulation, single path |
Up to $1,250 (up to $750 cathedral or flat roof) |
HRS heat pump, solar, thermostat |
Participating contractor handles it |
Contractor files |
| HRS windows and doors |
$100 per rough opening (minimum three window openings, or one door, skylight or slider) |
Other bundled measures |
Assessment first |
Advisor files |
| HRS air sealing |
$200 at target, $250 at 10% better |
Other bundled measures |
Assessment first |
Advisor files |
| HRS heat pump water heater |
$500 |
Other bundled measures |
Assessment first |
Advisor files |
| HRS assessment rebate and bonus |
$600, plus $500 for three qualifying upgrades |
Comes with the bundled path |
Initial assessment before any work |
Paid after completion |
| HRS solar |
$1,000 per kW, up to 50% of cost, cap $5,000 |
HRS battery; not with net metering |
Yes, from HRS and your local utility |
Contractor submits; rebate to the owner |
| HRS battery (paired with new solar) |
$300 per kWh, up to 50% of cost, cap $5,000 |
HRS solar only |
Yes |
Same as solar |
| HRS smart thermostat |
$125 on homerenovationsavings.ca ($100 shown on saveonenergy.ca the same day) |
Once per address |
No; code at checkout or claim after purchase |
Owner claims |
| HRS appliances |
Up to $200 per eligible appliance |
Once per appliance |
No |
Owner claims |
| Energy Affordability Program |
Full cost of the upgrades it installs |
Not with HRS for the same measure (both are Save on Energy) |
You apply; a service provider calls within three business days |
Program contractors install; no cash to you |
| EAP oil stream (federal OHPA funding) |
Heat pump system valued up to $25,000, installed free, plus a $250 bonus |
Inside EAP |
Yes, sign-up and pre-approval |
No cash except the $250 bonus |
| National Heat Pump Rebate |
$2,000, or up to $10,000 below the Ontario income limits |
Federal page silent on provincial stacking |
No audit; apply once the portal opens; receipts within 6 months |
Household applies; one rebate per household |
Three rules sit behind that table, and they decide most outcomes.
Rule 1: Home Renovation Savings does not stack with itself or with other Ontario sources. The program's FAQ, as we recorded it on October 28, 2026, lets you stack with incentives from other funding organisations but not with other incentives from Enbridge Gas, Save on Energy or the Government of Ontario, and caps the total from all sources at 100% of the supply and install cost. The Energy Affordability Program is a Save on Energy program, so a household that gets a free heat pump from it cannot also take the Home Renovation Savings heat pump rebate on that unit.
Rule 2: the bundled path and the single path are separate claims. The bundled path (assessment first, at least two upgrades) covers wall, foundation and floor insulation, windows and doors, air sealing and heat pump water heaters. The single path covers heat pumps, solar, batteries, attic insulation, thermostats and appliances. A heat pump is only on the single path, so it does not count toward the two-upgrade minimum on the bundled side. Attic insulation appears on both, and pays more on the bundled path ($1,500 against $1,250 at the deepest tier), so do not claim it twice and do not book it as a single upgrade if you are also doing an assessment.
Rule 3: order matters more than eligibility. Heat pumps and solar need written pre-approval; envelope work needs the initial assessment first. A job done a week early is a job with no rebate. Our rebate documentation checklist lists the paper each claim needs.
Upgrade by Upgrade: Where the Money Comes From
Heat pumps
Three sources can touch a heat pump in Ontario: Home Renovation Savings, the Energy Affordability Program and the federal rebate. The provincial rebate is the one you can bank today, and it depends on your current heating fuel more than on the equipment.
| Your current primary heat |
HRS rate, air source |
Cap |
3-ton example |
| Electricity, oil, propane or wood |
$1,250 per ton |
$7,500 |
$3,750 |
| Enbridge natural gas |
$500 per ton |
$2,000 |
$1,500 |
| Rental heat pump (any eligible fuel) |
$500 per ton |
$2,000 |
$1,500 |
| Natural gas from a utility other than Enbridge |
Not covered by the gas path |
n/a |
n/a |
The tonnage is the unit's rated heating capacity at 8.3°C (47°F), not the nameplate cooling size, and the unit must be on Natural Resources Canada's qualified products list. A participating contractor files both applications. Our heat pump cost guide for Ontario prices the equipment and works the net cost by system type, and the quote comparison worksheet shows how to line up three bids.
The federal rebate adds a flat amount by income, not by size. For Ontario, the higher tier applies at or below these after-tax household incomes (2025 dollars, from your 2025 return):
| Household size |
1 |
2 |
3 |
4 |
5 or more |
| After-tax income limit, Ontario |
$46,981 |
$92,884 |
$119,850 |
$146,217 |
$158,202 |
Above those lines the federal amount is $2,000. Below them it is "up to" $10,000, and the federal page does not yet say how the amount inside that range is set. Our National Heat Pump Rebate page tracks the launch.
Insulation and air sealing
This is the largest pot most houses can reach, and it only opens through the energy assessment. The program's headline is "up to $7,700" for insulation. In practice an older Ontario house with an under-insulated attic and an unfinished basement usually lands between $2,400 and $3,000 on insulation alone at the top tiers: $1,500 for the attic to R-50 from R-12 or less, plus $900 or $1,500 for the basement walls depending on whether you add R-10 to R-22 or more than R-22. Exterior wall insulation ($1,200 to $3,600) is where the big numbers sit, but it means re-siding or dense-packing the walls, and few owners do it unless the cladding is coming off anyway.
Air sealing pays $200 if you hit the target in your upgrade report and $250 if you beat it by 10% or more. The program itself suggests making air sealing your third upgrade or later, because a missed airtightness target can leave you one qualifying upgrade short of the minimum. For the physics of why sealing comes before more insulation, see our air sealing guide; for whether the next R-value is worth buying, see insulation payback by climate.
Windows and doors
$100 per rough opening for ENERGY STAR certified units, on the bundled path only. The minimum is three window openings, or a single door, skylight or sliding door. Ten windows earn $1,000. Against a typical replacement window, that is a small share of the price, so windows rarely pay back on energy alone; buy them because the frames have failed, and collect the $100 per opening as a bonus. Our interior storm windows comparison covers the cheaper alternative, which this program does not rebate.
Smart thermostats
The two official pages disagreed on the day we checked. homerenovationsavings.ca showed $125, with the old $100 struck through. saveonenergy.ca showed $100, with $75 struck through. The program site is the one that processes claims, so expect $125, but confirm at checkout. It can be taken as a code at purchase or as a rebate afterwards, and it is once per address. Our smart thermostat savings by region estimates what one actually saves.
Water heaters
A heat pump water heater earns $500 on the bundled path, replacing a natural gas, electric, propane or oil tank. There is no single-path water heater rebate, so a household that only wants a new water heater gets nothing from this program unless it also books the assessment and a second upgrade. Our heat pump water heater installation cost guide covers what the install involves, including the space and condensate requirements.
Solar panels and batteries
Solar pays $1,000 per kW and a paired battery $300 per kWh, each capped at $5,000 and at 50% of that measure's cost. The 50% cap is the one people miss. A 6 kW array quoted at $9,000 earns $4,500, not $5,000, because half of $9,000 is $4,500. A 13.5 kWh battery quoted at $8,000 earns $4,000, not the $4,050 the per-kWh rate would give.
The real decision is net metering. Homes that take this rebate must design the system for load displacement and cannot sign a net-metering agreement with their utility. Exported surplus is simply not credited. That favours households that use most of their solar output as it is produced, or that add a battery to shift it, and penalises a large array on a house that is empty all day. The Ontario electricity rates explainer gives the per-kWh prices that output displaces, and our solar ROI timeline and home battery guide show how to test the trade.
Unlike heat pumps, there is no participating-contractor list for solar: you choose your own installer, but you still need written pre-approval from the program and from your local distribution company before anything is bought or installed. Cornwall Electric customers are on the Hydro-Québec grid and are not eligible.
EV chargers
Neither Home Renovation Savings nor any federal program on this page lists a home EV charger rebate as of November 13, 2026. If your plan includes a Level 2 charger, budget it at full cost; our EV charger installation cost breakdown shows where that money goes, and the panel question it raises often matters for a heat pump too.
Appliances
Up to $200 for an eligible ENERGY STAR Most Efficient appliance replacing an existing electric one, claimed by you with the receipt. These are small, but a heat pump dryer or induction range bought anyway should not leave the money on the table.
