The Short Answer
As of October 2026, Ottawa homeowners can get up to $7,500 from Ontario's Home Renovation Savings Program for an air-source heat pump that replaces electric, oil, propane or wood heat (up to $2,000 in natural-gas-heated homes; up to $12,000 for ground-source). Canada's new National Heat Pump Rebate — up to $10,000 for eligible lower-income households and $2,000 for others — was announced on October 8, 2026 and will stack on top once it opens. The Canada Greener Homes Grant and Loan and the OHPA grant are closed. For financing, the City's Better Homes Ottawa Loan offers long-term retrofit loans.
Heat pump rebates in Ottawa have changed more in the past year than in the five years before it. Federal programs that many homeowners counted on have closed, Ontario's provincial program has become the main source of support, and a brand-new federal rebate was announced in October 2026. This guide, updated on October 23, 2026, sets out exactly what's available today, what's coming, and how to make sure you actually receive the money.
Ottawa Heat Pump Rebates at a Glance (October 2026)
- Ontario Home Renovation Savings Program — OPEN. Up to $7,500 for air-source heat pumps in homes heated by electricity, oil, propane or wood; up to $2,000 in gas-heated homes; up to $12,000 for ground-source.
- Canada's National Heat Pump Rebate — ANNOUNCED, NOT YET OPEN. Up to $10,000 for eligible households below the median income; $2,000 for others. Stackable with provincial programs.
- Save on Energy Energy Affordability Program — OPEN. Free energy-efficiency upgrades for income-qualified households.
- Better Homes Ottawa Loan Program — OPEN. Long-term, fixed-rate retrofit financing from the City of Ottawa.
- Canada Greener Homes Grant, Canada Greener Homes Loan, Oil to Heat Pump Affordability (OHPA) — CLOSED to new applicants.
Ontario's Home Renovation Savings Program: Your Main Rebate Today
The Home Renovation Savings Program is delivered jointly by Enbridge Gas and Save on Energy, and it's the rebate most Ottawa homeowners will use right now. For air-source heat pumps, the amount is based on the size of the system and the fuel your home is heated with:
- Homes heated by electricity, oil, propane or wood: $1,250 per ton of heating capacity, up to $7,500.
- Homes heated by natural gas: $500 per ton, up to $2,000.
- Ground-source (geothermal) heat pumps: up to $12,000.
A stand-alone heat pump installation does not require an energy audit, which makes the process much simpler than the old federal grant. The system must be on the program's eligible equipment list and installed by a participating contractor, and some program streams require approval before the work begins — so always confirm eligibility first. The program's current funding window is reported to run to the end of November 2026; it can close earlier or be extended, so it's sensible to book your assessment early. Other upgrades — insulation, windows, smart thermostats — have their own rebates under the same program.
Canada's New National Heat Pump Rebate
On October 8, 2026, the federal government announced the National Heat Pump Rebate as part of a $2-billion plan to retrofit one million homes. It will offer up to $10,000 to eligible households below the median income and $2,000 to other eligible homeowners switching to an electric heat pump from oil, propane, diesel, electric baseboards or outdated furnaces. No energy audit is required, approvals are targeted within 24 hours through an online portal, and the rebate is designed to stack with provincial programs. The launch date, income thresholds and treatment of earlier installations haven't been published yet — our National Heat Pump Rebate guide covers what's known and whether to wait.
Help for Income-Qualified Households
Save on Energy's Energy Affordability Program provides free energy-saving upgrades to eligible lower-income Ontario households, and Enbridge Gas offers similar support for its customers. If your household income is modest, ask us to check these programs before you pay for anything out of pocket — and note that the new federal rebate's top tier ($10,000) is also aimed at households below the median income.
Financing the Rest: Better Homes Ottawa and Dtech Financing
Rebates rarely cover the full cost of a heat pump, so financing matters. The City of Ottawa's Better Homes Ottawa Loan Program offers retrofit loans at a fixed 4.33% over 20 years, from a minimum of $10,000 up to the lesser of $125,000 or 10% of your property's assessed value, with a 4% administration fee and a limited 0% option for income-qualified households. Loans are repaid through your property tax bill. Dtech also offers flexible financing through third-party lenders, with terms from 36 to 120 months and 0% promotional windows at certain times of year.
Programs That Have Closed
Many older articles still describe programs you can no longer apply for. The Canada Greener Homes Grant (up to $5,000) is closed to new applicants. The Canada Greener Homes Loan (up to $40,000 interest-free) stopped accepting applications on October 1, 2025. The federal Oil to Heat Pump Affordability (OHPA) grant accepted its last applications on July 31, 2026. Ontario's Home Efficiency Rebate Plus was replaced by the Home Renovation Savings Program. If a contractor quotes you a rebate under one of these programs, ask them to confirm it in writing.
How Much Can You Actually Save? A Worked Example
Consider an Ottawa homeowner replacing an aging oil furnace with a 4-ton ducted cold-climate heat pump. Suppose the installed cost is $16,000:
- Ontario Home Renovation Savings rebate (oil-heated home, 4 tons × $1,250): −$5,000
- Net cost today: about $11,000
- If the household later qualifies for the federal rebate and the installation is eligible: a further $2,000 to $10,000
Because the provincial rebate is calculated per ton, larger homes that need bigger systems receive more, up to the $7,500 cap at six tons. Add the government's estimate of roughly $1,400 a year in savings for homes leaving oil or baseboard heat, and the payback can be relatively short. For a natural-gas home the rebate is smaller (up to $2,000), so the decision rests more on comfort, cooling and long-term energy costs — our heat pump cost guide breaks down typical prices.
How to Qualify: Step by Step
- Confirm your current heating fuel — it sets your provincial rebate tier.
- Book an in-home assessment with a participating contractor. We complete a heat-loss calculation to size the system correctly.
- Choose eligible equipment from the program's qualifying list. We'll only quote models that qualify.
- Get pre-approval where required before installation begins.
- Install and document — invoices, model numbers and photos of the old system.
- Submit the claim. Dtech handles the paperwork and tracks it until payment arrives.
Common Mistakes That Cost Ottawa Homeowners Their Rebate
- Installing equipment that isn't on the eligible list.
- Hiring a contractor who isn't a program participant.
- Starting work before a required pre-approval.
- Relying on old information about closed programs such as Greener Homes or OHPA.
- Undersizing the heat pump to cut costs — which reduces the rebate (it's calculated per ton) and comfort in January.
Ready to Claim Your Heat Pump Rebate?
Dtech is a licensed, TSSA-certified participating contractor that installs cold-climate heat pumps across Ottawa — including Kanata, Barrhaven, Westboro and Alta Vista. We confirm your eligibility before installation, handle the paperwork, and will help you apply for the federal rebate once it opens. See our rebates page or call (343) 227-3610.
Frequently Asked Questions
How much is the heat pump rebate in Ottawa in 2026?
Ontario's Home Renovation Savings Program pays up to $7,500 for an air-source heat pump in a home heated by electricity, oil, propane or wood, up to $2,000 in natural-gas-heated homes, and up to $12,000 for ground-source systems.
Is the Canada Greener Homes Grant still available?
No. The Canada Greener Homes Grant is closed to new applicants, and the Canada Greener Homes Loan stopped accepting applications on October 1, 2025.
What is the National Heat Pump Rebate?
A new federal program announced on October 8, 2026 offering up to $10,000 to eligible households below the median income and $2,000 to other eligible homeowners who switch to an electric heat pump. It is stackable with provincial rebates but has not opened for applications yet.
Do I need an energy audit to get a heat pump rebate?
Not for a stand-alone heat pump under Ontario's Home Renovation Savings Program, and the new federal rebate has also been announced without an audit requirement.
Can I still get the Oil to Heat Pump Affordability grant?
No. The federal OHPA program accepted its final applications on July 31, 2026. Oil-heated homes can still receive up to $7,500 from Ontario and may qualify for the new federal rebate once it opens.
Can I stack heat pump rebates in Ottawa?
The new federal rebate is designed to stack with provincial programs such as Ontario's Home Renovation Savings Program. You can also combine rebates with financing such as the Better Homes Ottawa Loan or Dtech's 36- to 120-month financing.
Does Dtech handle the rebate paperwork?
Yes. As a participating contractor, Dtech confirms eligibility before installation, submits the application on your behalf and tracks it until the rebate is paid.
