Insulation Grant Ontario (2026 Update): What’s Still Available and How to Stack Rebates

If you’re searching for an insulation grant Ontario homeowners can still use in 2026, you’re not alone. Energy costs in Ontario remain high, and insulation upgrades are one of the fastest ways to cut heating and cooling bills. The catch: federal and provincial programs have changed since 2024, and some well-known grants are now closed or replaced with utility and municipal options.

This page is a 2026 hub. It focuses on what’s actually available now in Ontario, how much funding you can expect, and how to combine programs to lower your out-of-pocket cost.

Insulation Grants and Rebates Available in Ontario (2026)

There is no single, province-wide “free insulation grant” anymore. Instead, funding comes from utility programs, provincial rebates, and city financing. Here are the main options that matter in 2026.

Home Renovation Savings Program (Ontario-wide)

The Home Renovation Savings Program is Ontario’s main provincial rebate stream for energy-efficient upgrades, including insulation.

What it covers

Attic insulation upgrades
Wall insulation (interior or exterior)
Basement and foundation insulation
Air sealing when bundled with insulation

How much you can get

Rebates typically range from $500 to $5,000, depending on insulation type and scope of work
Higher rebates are available when insulation is combined with other upgrades like heat pumps

Key eligibility rules

Home must be in Ontario
Work must be completed by an eligible contractor
Rebates are paid after installation and verification

The program was refreshed in January 2025 and continues into 2026 with a focus on measured energy savings.

Enbridge HER+ Program (Natural Gas Customers)

If your home is heated with natural gas, the Enbridge Home Efficiency Rebate Plus (HER+) program remains one of the strongest insulation rebate options.

Eligible insulation upgrades

Attic and roof insulation
Exterior wall insulation
Basement and crawl space insulation

Rebate amounts

Up to $10,000 total when insulation is bundled with other energy upgrades
Insulation-only rebates are typically $1,000–$4,000, based on energy assessment results

Important requirements

You must complete a pre- and post-retrofit energy audit
Only available to Enbridge gas customers

This program effectively replaced the federal pathway many homeowners used under the Canada Greener Homes Grant.

Canada Greener Homes Grant: Status in 2026

Many people still search for the federal grant when looking for an insulation grant Ontario homeowners can rely on. Here’s the reality:

Canada Greener Homes Grant is closed to new applicants
Homeowners who were already approved may still complete upgrades and receive payment
No new insulation applications are being accepted

If you’re starting fresh in 2026, you’ll need to rely on provincial, utility, or municipal programs instead.

City of Toronto Home Energy Loan Program (HELP)

If you live in Toronto, the Home Energy Loan Program is a powerful complement to rebates.

How it works

Low-interest loans of up to $125,000
Repayment term up to 20 years
Loan is tied to the property, not the homeowner

Eligible insulation work

Attic, wall, basement, and foundation insulation
Air sealing and other energy-efficiency upgrades

HELP is not a grant, but it lets you finance insulation upgrades upfront and then apply provincial or utility rebates to reduce the balance.

Can You Stack Insulation Grants in Ontario?

Yes, in many cases.

You can often:

Combine Enbridge HER+ rebates with the Home Renovation Savings Program
Use City of Toronto HELP financing alongside provincial rebates
Bundle insulation with heat pumps to qualify for higher total rebates

Rules vary by program, so checking compatibility matters. Tools like GrantHub’s eligibility matcher can help you filter programs by province and upgrade type in seconds.

Common Mistakes to Avoid

Assuming the federal grant is still open
Many homeowners delay upgrades waiting for Canada Greener Homes to reopen. As of 2026, it’s closed to new applicants.

Skipping the energy audit
Programs like Enbridge HER+ require audits before and after the work. If you insulate first, you may lose eligibility.

Using non-approved contractors
Rebates can be denied if the installer or materials don’t meet program standards.

Not stacking programs
Applying to only one rebate can leave thousands of dollars on the table.

Frequently Asked Questions

Q: Is there a free insulation grant in Ontario?
No program offers completely free insulation in 2026. However, stacked rebates can cover a large portion of costs, especially for attics and basements.

Q: How much insulation rebate can I get in Ontario?
Most homeowners receive between $1,000 and $5,000, with higher amounts possible when bundling upgrades through Enbridge HER+.

Q: Do condos qualify for insulation grants in Ontario?
Some programs allow unit-level upgrades, but many rebates apply only to detached, semi-detached, or row homes. Condo boards may need to apply for building-wide incentives.

Q: Are rental properties eligible?
Eligibility depends on the program. Some utility rebates allow rentals, while others require owner-occupied homes.

Q: Can I apply after the work is done?
Most programs require approval before installation. Always check first to avoid losing the rebate.

If you’re exploring funding beyond insulation, these guides may help:

Funding Opportunities Ontario
Green Ontario Fund
Money from Ontario Government 2025

Next Steps

Finding the right insulation grant Ontario homeowners qualify for in 2026 takes more than a quick Google search. Programs change, stack differently, and often depend on your utility, city, and home type.

GrantHub tracks 2,500+ active grant programs across Canada — check which ones match your business or household profile so you can plan upgrades with real numbers, not outdated information.

Insulation Grant Ontario (2026 Update): What’s Still Available and How to Stack Rebates