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Insulation rebates in Canada: what each province pays in 2026
Insulation is the upgrade almost every province still pays for. The any-income rebates run from a few hundred dollars to $12,000 for walls in the Yukon, and six provinces insulate lower-income homes free. How the money is counted differs more than the amounts: some programs pay a flat cap, some a rate per square foot for each point of R-value you add, some only what a second energy assessment measures. Alberta and Saskatchewan have no provincial insulation rebate, though Medicine Hat pays its own utility customers up to $2,500. Here is every one, read off each administrator’s own page.
Updated . Every province and territory; each figure links to the program’s own page.
The short version
The biggest cheques are in the North
The Yukon pays up to $12,000 for above-ground walls, $10,000 for basement walls and $5,000 for air sealing. The Northwest Territories pays $8,000 for exterior walls. Further south, B.C. pays up to $5,500 for the whole home, Quebec up to $3,750 for walls, and Ontario’s bundled stream up to $3,600 for walls and $2,300 for the foundation.
source: Insulation and air sealing rebates · verified 23 September 2026
source: Rénoclimat · verified 27 September 2026
source: Home Renovation Savings Program · verified 27 September 2026
Free below an income line, in six provinces
B.C. ($94,900 for four), Ontario ($96,439, electricity- or oil-heated homes), Manitoba ($85,968), New Brunswick (under $70,000), Nova Scotia ($57,075 for two to four people) and Prince Edward Island (under $55,000) install insulation at no cost. Nothing is paid to you; a contractor is sent.
source: Energy Conservation Assistance Program · verified 23 September 2026
source: Energy Affordability Program · verified 27 September 2026
source: Energy Efficiency Assistance Program · verified 23 September 2026
Only what you add counts
Manitoba, New Brunswick and Prince Edward Island pay per square foot for each point of R-value added. Quebec pays by the area covered and the improvement, Nova Scotia by the share of the area brought up to its target. Topping up an attic from R-20 is paid on the difference, and replacing old insulation earns nothing for what was already there.
source · verified 23 September 2026
Every province and territory, side by side
Any-income rebates, what lower-income households get, and the catch. Amounts in Canadian dollars.
| Where | At any income | Lower incomes | The catch |
|---|---|---|---|
| British Columbia | Home Renovation Rebate: up to $5,500 per home | Energy Conservation Assistance: free ($94,900 for four); FortisBC: up to $2,000 per area | The cap is for the whole home; FortisBC’s is instead of CleanBC; PNG matches CleanBC in the north |
| Alberta | No provincial rebate. Medicine Hat: walls $1,500 to $2,250, attic $200 to $1,200, up to $2,500 | Home Upgrades Program: free in Calgary and Canmore; Calgary’s is a waitlist | Medicine Hat utility customers only; CEIP loans elsewhere |
| Saskatchewan | None since April 2026 | None | Saskatoon’s loan covers insulation |
| Manitoba | Home Insulation Rebate: $0.03 to $0.15 per sq ft per R added; air sealing up to $1,000 | Energy Efficiency Assistance: free ($85,968 for four) | Never more than the material cost; approval before you buy |
| Ontario | Home Renovation Savings: attic $1,250 alone; bundled, walls $3,600, foundation $2,300, attic $1,500 | Energy Affordability: free for electricity- or oil-heated homes ($96,439 for four) | Bundled stream: assessment first, two or more upgrades |
| Quebec | Rénoclimat: walls $450 to $3,750, roof $50 to $1,500, basement $250 to $2,500; LogisVert: roof and caulking $1,500 | Éconologis: light work only; closed to registration | Paid on the measured improvement |
| New Brunswick | Total Home Energy Savings: $0.40 to $3.00 per sq ft by R added | Enhanced Energy Savings: free under $70,000 | $99 evaluation first; nine months to finish |
| Nova Scotia | Home Energy Assessment: walls $300 to $1,500, basement $240 to $1,200, attic $150 to $750 | Moderate Income Rebate adds walls $200 to $1,000; HomeWarming: free | $5,000 per household, $10,000 with the Moderate Income Rebate |
| Prince Edward Island | Home Insulation Rebates: $3.50 per 100 sq ft per R added in the attic, $50.00 on refinished walls | Nearly double under $35,000; Free Home Insulation under $55,000 | Audit before and after; the auditor files the claim |
| Newfoundland and Labrador | takeCHARGE: 75% of attic or basement insulation, up to $1,500 each | None | Electrically heated homes only |
| Yukon | Insulation and air sealing: walls $12,000, basement $10,000, attic $2,500, floors $2,000 | None | $50 assessments before and after |
| Northwest Territories | Energy Efficiency Incentive: walls $8,000, basement $2,500, crawlspace $2,000, ceiling $1,500 | None | Apply within three months |
| Nunavut | Home Renovation Program: forgivable loan up to $100,000 | Scaled by income | Nothing forgiven in the first five years |
Each figure is from the program’s own page; the dated source lines below give the date it was read.
Province by province
Who pays, how it is counted, and what has to happen first.
British Columbia
The CleanBC Home Renovation Rebate pays up to $5,500 for insulation at any income. The cap is per home, across the whole upgrade, not per attic, wall or crawlspace, and most measures need a program-registered contractor. Apply to BC Hydro or FortisBC, whichever supplies your electricity, within six months of finishing. Under the income line ($94,900 for four), the Energy Conservation Assistance Program installs insulation and draftproofing free, for owners and renters. Under the same line, households that buy their electricity from FortisBC or from Grand Forks, Penticton, Summerland or Nelson Hydro can take FortisBC’s own income-qualified rebates instead: a rate per square foot for each point of R-value added, up to $2,000 each for the attic, walls, basement and exposed floors. They cannot be combined with CleanBC. Pacific Northern Gas matches CleanBC’s insulation rebate for its customers in the north, up to $900 for an attic and $1,200 for walls.
source: CleanBC Home Renovation Rebate Program · verified 27 September 2026
source: Energy Conservation Assistance Program · verified 23 September 2026
source: FortisBC income-qualified rebates · verified 27 September 2026
source: Pacific Northern Gas rebates · verified 27 September 2026
Alberta
No provincial insulation rebate, but Medicine Hat, whose city-owned utility funds its own, pays customers through HAT Smart: $200 to $1,200 for an attic raised to R-50, depending on where it starts, $1,500 to $2,250 for exterior walls raised to R-21, $500 for basement walls and $200 to $400 for exposed floors, up to $2,500 for insulation within $5,000 a home. Only upgrades in an EnerGuide report count, an evaluation after the work is required from 2026, and receipts must be dated by 15 December 2026. In Calgary and Canmore, the Home Upgrades Program installs insulation and air sealing free for income-qualified households in homes built before 1998; Calgary’s is a waitlist for now. Elsewhere, the Clean Energy Improvement Program lends for energy retrofits through the property tax bill in 26 municipalities, at rates from 1.62% to 6%; in September 2026 only Banff, Medicine Hat, Stirling, Taber and Westlock were taking new applications without a waitlist.
source: HAT Smart · verified 27 September 2026
source: Home Upgrades Program · verified 27 September 2026
source: Clean Energy Improvement Program · verified 23 September 2026
Saskatchewan
The Home Efficiency Retrofit Rebate, SaskPower and SaskEnergy’s joint rebate for insulation and air sealing, ended in April 2026, and nothing replaced it. In Saskatoon, the Home Energy Loan Program finances insulation on the property tax bill.
source: Home Efficiency Retrofit Rebate · verified 23 September 2026
source: Home Energy Loan Program (Saskatoon) · verified 23 September 2026
Manitoba
Efficiency Manitoba’s Home Insulation Rebate pays per square foot for each point of R-value added: $0.03 in attics and roofs, $0.06 in wall cavities and foundation walls, $0.15 for exterior walls insulated while re-siding, never more than the material cost. Its own example: an attic taken from R-20 to R-50 over 1,000 square feet pays $900. Air sealing measured before and after adds up to $1,000. Get approval before buying materials. Under the Energy Efficiency Assistance Program’s line ($85,968 for four), insulation is installed free.
source: Home Insulation Rebate · verified 23 September 2026
source: Energy Efficiency Assistance Program · verified 23 September 2026
Ontario
The Home Renovation Savings Program has two streams. Without an assessment, one upgrade: up to $1,250 for attic insulation or $750 for a cathedral ceiling or flat roof. With an assessment first and at least two upgrades: attic $1,500, exterior walls $3,600, foundation $2,300, crawl space $1,200, exposed floor $300, roof $780 and air sealing $250, plus a $500 bonus for three or more upgrades. Whether every insulation cap can be claimed on one home is not stated. Under the Energy Affordability Program’s line ($96,439 for four), attic or basement insulation and draft proofing are installed free in homes heated by electricity or oil; gas-heated homes are routed to Enbridge’s Home Winterproofing Program through the same application.
source: Home Renovation Savings Program · verified 27 September 2026
source: Energy Affordability Program · verified 27 September 2026
Quebec
Rénoclimat pays by the area insulated and the improvement between two energy evaluations: roof $50 to $1,500, exterior walls $450 to $3,750, basement walls $250 to $2,500, crawl space walls $200 to $2,000, and $400 to $800 for air sealing. Semi-detached and corner row houses get 75% of the wall and basement amounts, mid-terrace houses 50%. Hydro-Québec’s LogisVert pays up to $1,500 for roof insulation and caulking as one measure. Quebec says in writing that the two combine, as long as each pays for different work. Éconologis, the free program, does light work only and has closed registration for 2026-2027.
source: Rénoclimat · verified 27 September 2026
source: LogisVert · verified 23 September 2026
New Brunswick
NB Power’s Total Home Energy Savings Program pays per square foot by the R-value added, from $0.40 (attic, the minimum R-15 added) to $3.00 (a basement header with R-40 added), and $250 to $550 for measured air sealing. Any income, any heating fuel; $99 evaluation first. Under $70,000 of household income, the Enhanced Energy Savings Program insulates basements, attics and walls free, first come, first served.
source: Total Home Energy Savings Program · verified 23 September 2026
source: Enhanced Energy Savings Program · verified 23 September 2026
Nova Scotia
The Home Energy Assessment rebates pay by area: attic $150 to $750, exterior walls $300 to $1,500, basement walls $240 to $1,200, crawlspace walls $960, air sealing $200, up to $5,000 per household. Homes not heated by electricity, under the Moderate Income Rebate’s line ($120,750 for four), get a second rebate on top (walls $200 to $1,000, basement $150 to $750), up to $10,000 in all. Apply for that one before booking the assessment. Under $57,075 for two to four people, HomeWarming does the draft-proofing and insulation free.
source: Home Energy Assessment · verified 23 September 2026
source: Moderate Income Rebate · verified 23 September 2026
source: HomeWarming · verified 23 September 2026
Prince Edward Island
efficiencyPEI’s Home Insulation Rebates pay per 100 square feet for each point of R-value added: $3.50 in the attic, $50.00 on walls with a new finish, $21.00 below grade, and $150 to $575 for air sealing. Under $35,000 of net family income a separate, higher price list applies ($5.50 in the attic, up to $1,000 for air sealing). Under $55,000, with a home assessed at $300,000 or less, Free Home Insulation does the work at no cost.
source: Home Insulation Rebates · verified 23 September 2026
source: Free Home Insulation · verified 23 September 2026
Newfoundland and Labrador
takeCHARGE pays 75% of the cost of attic or basement insulation plus up to $500 of labour, up to $1,500 each, and $200 to $750 for air sealing, which needs a heat recovery ventilator or air exchanger in the home. The catch: all of it is for homes heated by electricity. An oil-heated home gets only the ventilator rebate here until it switches.
source · verified 23 September 2026
Yukon
The Yukon’s insulation and air sealing rebates are large: above-ground walls up to $12,000, basement walls $10,000, attic $2,500, floors $2,000, and $5,000 for sealing a leaky house to 1.5 air changes an hour with a heat recovery ventilator, up to $31,500 on a house that meets every target. Walls and basements are paid in proportion to the share insulated. A $50 assessment comes first; the home must be at least five years old.
source · verified 23 September 2026
Northwest Territories and Nunavut
The Arctic Energy Alliance pays any-income rebates for exterior walls (up to $8,000), basement walls ($2,500), crawlspaces ($2,000), ceilings ($1,500), basement headers ($625) and exposed floors ($500); apply within three months. In Nunavut, the Home Renovation Program lends up to $100,000, forgivable after year five, for repairs and energy work.
source: Energy Efficiency Incentive Program · verified 23 September 2026
source: Home Renovation Program · verified 23 September 2026
Loans that cover insulation
Where there is no rebate, or to pay the contractor before the rebate arrives.
| Lender | Terms | Where |
|---|---|---|
| Manitoba Hydro Home Energy Efficiency Loan | Up to $7,500 for insulation and $7,500 for air sealing over 5 years, 6.20% fixed for five years | Manitoba |
| PEI Energy Efficiency Loan | Up to $10,000 at 5% over 7 years; your rebate pays it down | Prince Edward Island |
| Home Energy Loan Program | $1,000 to $40,000 at 3.24% to 4.83% in 2026, on the property tax bill | Saskatoon |
| Toronto Home Energy Loan Program | Up to $125,000 at 3.34% to 4.75% plus a 2% charge, on the property tax account; the published rates expired 30 September 2026, with none newer by 2 October | Toronto |
| Nanaimo Home Energy Retrofit Financing | Up to $15,000 at 0% over 10 years, on the property tax bill; applications close 31 October 2026 | Nanaimo |
| HalifACT Home Energy Upgrade | 4.75% fixed over 10 years, for oil-heated homes built before 2000; the work has to halve the home’s modelled energy use | Halifax |
| Clean Energy Improvement Program | Up to 100% of an energy retrofit, on the property tax bill; most municipalities at capacity | 26 Alberta municipalities |
| CMHC Eco Improvement | Not a loan: 25% of your mortgage insurance premium back after $20,000 of energy renovations, envelope included, within two years of buying | Anywhere, with a CMHC-insured mortgage |
Ottawa, Durham Region, London, Peterborough and Cambridge also lend for home energy retrofits; the Ontario page compares their terms.
source: Home Energy Efficiency Loan · verified 23 September 2026
source: Energy Efficiency Loan Program · verified 23 September 2026
source: CMHC Eco Improvement · verified 23 September 2026
source: Home Energy Loan Program (HELP) · verified 2 October 2026
source: Home Energy Retrofit Financing · verified 27 September 2026
source: HalifACT Home Energy Upgrade · verified 27 September 2026
Worth knowing before you commit
Air sealing often needs a ventilator
Every takeCHARGE air sealing pathway in Newfoundland and Labrador needs a heat recovery ventilator or air exchanger in the home, and the Yukon’s air sealing rebate needs a heat recovery ventilator installed. A tighter house needs fresh air brought in.
Semi-detached and row houses get less
Quebec and Nova Scotia pay 75% of the wall and basement amounts for a semi-detached or end-unit row house and 50% for a middle unit, and nothing for insulating a shared wall. Medicine Hat applies the same 75% and 50% to all its insulation amounts.
Check the fuel rules first
Newfoundland and Labrador pays only electrically heated homes; Ontario’s free insulation is for homes heated by electricity or oil; Nova Scotia’s Moderate Income Rebate is only for homes not heated by electricity. The same attic can qualify in one province and not the next.
One program per measure, usually
Manitoba’s Home Energy Retrofits rebate replaces its insulation rebate rather than adding to it, and New Brunswick pays each measure through one NB Power program only, and FortisBC’s income-qualified rebates in B.C. cannot be combined with any government-funded rebate, CleanBC’s included. Quebec and Nova Scotia are the exceptions that say in writing their two programs combine.
In the United States
American insulation rebates come mostly from electric and gas utilities, and differ from one utility to the next inside the same state. Each state page lists them by utility: California, Texas, Florida, New York, Pennsylvania, Illinois, Ohio, Georgia, North Carolina, Michigan, New Jersey, Virginia, Washington, Arizona, Tennessee, Massachusetts, Indiana, Missouri, Maryland, Colorado, Wisconsin. The United States page has the federal picture: the two federal tax credits that paid toward this work ended with 2025.
Questions people ask about insulation rebates
Are there government grants for insulation in Canada in 2026?
Yes, from every province except Alberta and Saskatchewan, and from the Yukon and the Northwest Territories; in Alberta, Medicine Hat pays its own utility customers up to $2,500. The federal Canada Greener Homes Grant closed on 31 December 2025, so what is left is mostly provincial or territorial. Any-income rebates include B.C.’s $5,500 per home, Ontario’s Home Renovation Savings Program (up to $3,600 for exterior walls), Quebec’s Rénoclimat, New Brunswick’s and Prince Edward Island’s per-square-foot rates, and the Yukon’s $12,000 for walls. Six provinces also insulate lower-income homes free.
How much is the insulation rebate in B.C.?
Up to $5,500 per home through the CleanBC Home Renovation Rebate, at any income. The cap covers the whole insulation upgrade, not each attic, wall or crawlspace. Households under the Energy Conservation Assistance Program’s income line ($94,900 for four) can have insulation installed free instead. In FortisBC’s electricity area, FortisBC’s own rebate for the same households pays up to $2,000 each for the attic, walls, basement and floors, but not on top of CleanBC. Pacific Northern Gas matches CleanBC’s insulation rebate for its customers in the north.
What does Ontario pay for insulation?
The Home Renovation Savings Program pays in two ways. Without an assessment, a single upgrade: up to $1,250 for attic insulation or $750 for a cathedral ceiling or flat roof. With an assessment and at least two upgrades: up to $1,500 for the attic, $3,600 for exterior walls, $2,300 for the foundation, $1,200 for a crawl space and $300 for exposed floors, plus $250 for air sealing. Homes heated by electricity or oil under the Energy Affordability Program’s income line get insulation free.
Can I get free insulation?
In six provinces, if your income is under the line. B.C.’s Energy Conservation Assistance Program ($94,900 for four), Ontario’s Energy Affordability Program ($96,439 for four, electricity- or oil-heated homes; gas-heated homes go to the Home Winterproofing Program), Manitoba’s Energy Efficiency Assistance Program ($85,968 for four), New Brunswick’s Enhanced Energy Savings Program (under $70,000), Nova Scotia’s HomeWarming ($57,075 for two to four people) and Prince Edward Island’s Free Home Insulation (under $55,000, and a home assessed at $300,000 or less). In Alberta, the Home Upgrades Program insulates income-qualified homes free in Calgary and Canmore; Calgary’s is a waitlist for now.
Do I need an energy audit before insulating?
Usually. Quebec, New Brunswick, Nova Scotia, Prince Edward Island, the Yukon and Ontario’s bundled stream all pay only through an assessment done before the work, and Manitoba wants approval before you buy materials. B.C.’s rebate and Ontario’s single attic upgrade need no assessment, but most B.C. measures need a program-registered contractor.