Every Heat Pump Rebate in Canada, Stacked: The Master Table by Province

The National Heat Pump Rebate made the headlines — up to $10,000 from Ottawa, opening early 2027. But the federal cheque is designed to land on top of a provincial one, and the provincial layer is where the totals quietly become five figures almost everywhere in the country.

This is the master table: every provincial heat pump program, what it pays, and the best case stack in each province. If you only read one section, make it the fine print — the difference between the headline total and the real one is always in the rules.

How stacking works

1. The federal layer is the same everywhere. Up to $10,000 if your household earns below the median income in your province, $2,000 otherwise. The exact income thresholds arrive with the early 2027 launch.
2. The provincial layer depends on where you live and what you install. Ducted systems generally pay more than ductless. Income qualified tiers generally pay more than standard ones — sometimes much more.
3. The stack is the total. Add the two layers. There is no rule that taking one disqualifies you from the other — stacking is the stated design of the federal program.

The master table

Provincial amounts below are the program maximums or typical amounts as published in October 2026. Stacks show the best case: the top provincial amount plus each federal tier.

The Newfoundland note: the takeCHARGE oil to electric amounts are the largest in the country, and the program has historically blended provincial and federal funding. Whether the new federal rebate stacks on top of it, or is partly inside it, has not been clarified yet. Treat $22,000 as the number to plan around in that province until Ottawa and the province say otherwise — it is a very good number either way.

The ground source note: Ontario’s program pays up to $12,000 for ground source (geothermal) systems, and PEI up to $4,000 ($7,500 lower income). Ground source costs far more to install, but if you are pricing it anyway, the Ontario stack reaches $22,000.

The fine print that decides your real total

Maximums are not averages. Every figure above is a ceiling. Your actual amount depends on the equipment class, the size of the system, your income tier, and your current heating fuel. Switching away from oil, propane, or electric resistance heat is rewarded almost everywhere; swapping a working gas furnace is rewarded least.

Some provinces pay before, some after, some only with paperwork first. New Brunswick’s best amounts run through a home energy evaluation path. Nova Scotia has both an assessment path and a post purchase rebate path, with different amounts. Read your province’s rules before the installer arrives — a rebate that required pre approval cannot be claimed after the fact.

Equipment lists rule everything. Every program has a qualifying product list. The federal list alone is said to cover more than 100,000 cold climate models, but “the brand qualifies” is not enough — the exact model number has to be on the list.

Alberta and Saskatchewan are federal only, for now. No provincial heat pump rebate exists in either province as of October 2026. The federal rebate still applies in full, and some Alberta cities offer Clean Energy Improvement Program financing — a loan repaid on the property tax bill, not a rebate, but worth knowing about.

The five best stacks in the country

1. Newfoundland & Labrador, oil heated home: up to $22,000 provincially, the runaway leader
2. Ontario, ground source: up to $12,000 provincial + up to $10,000 federal = $22,000
3. Ontario, cold climate air source: up to $17,500 stacked
4. British Columbia, income qualified: up to $15,000 stacked
5. Manitoba, ducted: up to $12,000 stacked, on top of some of the cheapest electricity in Canada to run the thing

What to do next

Start with the federal guide if you have not read it — it covers eligibility, timing, and what is still unknown. Manitoba readers should go straight to the Efficiency Manitoba guide. And before any of it, get a written quote that prices the heat pump option, and keep every receipt. When the federal portal opens in early 2027, this table becomes the checklist.