Spray Foam Insulation Rebates Ontario 2026 — Current Programs & Maximum Amounts
Ontario homeowners who install spray foam insulation in 2026 can access up to $51,250 in combined grants, rebates, and interest-free loans — yet roughly 70% of eligible households never claim a dollar. This guide consolidates every active program: Enbridge HER+, Home Renovation Savings (HRS), Canada Greener Homes Affordability Program (CGHAP), and the Toronto Home Energy Loan Program (HELP). We cover eligibility, amounts, audit requirements, stacking potential, and exactly how Spray Foam Kings handles the documentation so you don’t have to.
Important 2026 update: The Canada Greener Homes Grant closed permanently on December 31, 2025. The replacement — the Canada Greener Homes Affordability Program (CGHAP) — launched in early 2026 and offers up to $40,000 in interest-free loans. All grant references in older contractor quotes are now outdated. See our attic rebate breakdown for application-specific details.
| Program | Type | Maximum Amount | Audit Required? | Spray Foam Eligible? | Status |
|---|---|---|---|---|---|
| Enbridge HER+ (Home Efficiency Rebate Plus) | Rebate | $10,000 | Yes — pre & post EnerGuide | Yes (attic, walls, basement) | ✅ Active |
| Home Renovation Savings (HRS) — Attic-Only | Rebate | $1,250 | No | Yes — closed-cell attic upgrades | ✅ Active through Nov 2026 |
| Home Renovation Savings (HRS) — Multi-Measure | Rebate | $5,000 | No | Yes — part of bundled upgrade | ✅ Active through Nov 2026 |
| Canada Greener Homes Affordability Program (CGHAP) | 0% Interest Loan | $40,000 | Yes — EnerGuide pre-assessment | Yes (registered contractor required) | ✅ Active — 2026 launch |
| Toronto Home Energy Loan Program (HELP) | Low-interest Loan (property tax) | $125,000 | No | Yes — any insulation upgrade | ✅ Active (Toronto only) |
| Canada Greener Homes Grant | Grant | $10,600 | Yes | Yes | ❌ CLOSED Dec 31, 2025 |
Program Comparison Matrix: HRS vs. CGHAP vs. HER+ vs. Toronto HELP
The four live programs serve different homeowner situations. Here’s how they stack up across the six factors that matter most to GTA homeowners making a decision right now:
| Attribute | Enbridge HER+ | HRS Attic-Only | HRS Multi-Measure | CGHAP Loan | Toronto HELP |
|---|---|---|---|---|---|
| Max Amount | $10,000 | $1,250 | $5,000 | $40,000 | $125,000 |
| Energy Audit Required | Yes — pre & post EnerGuide | No | No | Yes — pre EnerGuide | No |
| Eligibility | Enbridge natural gas customer | Ontario homeowner, pre-1990 home | Ontario homeowner, 2+ measures | Canadian homeowner, primary residence | Toronto property owner |
| Typical Timeline | 8–16 weeks after submission | 4–8 weeks | 6–10 weeks | 6–12 weeks | 4–6 weeks |
| GTA Coverage | All Enbridge service areas | All Ontario | All Ontario | All Canada | City of Toronto only |
| Stackable With Other Programs? | Yes — stacks with CGHAP loan | Yes — stacks with CGHAP loan | Yes — stacks with HER+ and CGHAP | Yes — stacks with HRS + HER+ | Yes — stacks with CGHAP, HRS |
Spray Foam Kings is a registered contractor for HRS and a CGHAP-participating installer. We prepare all pre- and post-installation documentation for Enbridge HER+ applications, so you have a single point of contact across every program. Call 647-641-6881 to confirm your eligibility before booking.
Insulation Type Comparison: Spray Foam vs. Fibreglass vs. Cellulose for Rebate Qualification
Not all insulation qualifies equally across rebate programs. Closed-cell spray foam consistently achieves the minimum R-values required in fewer inches than batt alternatives — critical when attic joist depth limits your upgrade options.
| Attribute | Closed-Cell Spray Foam | Open-Cell Spray Foam | Fibreglass Batt | Blown Cellulose |
|---|---|---|---|---|
| R-Value per Inch | R-6.0–6.5 | R-3.5–3.8 | R-3.0–3.7 | R-3.2–3.8 |
| Typical Installed Cost (CAD/sqft) | $2.50–$5.00 | $1.50–$3.50 | $0.50–$1.50 | $0.80–$2.00 |
| Vapour Barrier | Built-in (Class II) | Permeable — separate VB needed | None — separate VB required | None — separate VB required |
| Air Sealing | Excellent — seals all gaps | Good — seals well | Poor — gaps common | Fair — settling over time |
| HER+ Eligible? | Yes — highest rebate tier | Yes | Yes | Yes |
| OBC SB-12 Compliance Path | Prescriptive & performance | Performance path | Prescriptive path only | Prescriptive path only |
For rebate purposes, closed-cell spray foam at 3 inches (R-19+) in attic rafter bays, or open-cell at 5.5 inches (R-20+), both satisfy the Ontario SB-12 minimum for most rebate tiers. Our team confirms the correct thickness for your specific application during the free assessment — see our attic insulation service page for application details, or use the 2026 cost calculator to estimate your project cost before rebates.
Eligibility Checklist — Do You Qualify for Ontario Spray Foam Rebates in 2026?
Run through this checklist before booking your assessment. Each “Yes” increases the rebate value you can unlock:
- ✅ Primary residence in Ontario (all 5 programs require owner-occupied or rental properties)
- ✅ Enbridge natural gas customer (required for HER+ — covers most of Toronto, Vaughan, Mississauga, Markham, Brampton, North York, Scarborough, Etobicoke)
- ✅ Home built before 1990 (HRS Attic-Only stream preference; older homes typically below minimum R-values)
- ✅ Current attic insulation below R-22 (HRS threshold; most pre-1980 Toronto homes measure R-8 to R-14)
- ✅ Upgrading 2+ energy measures (unlocks HRS Multi-Measure up to $5,000)
- ✅ Toronto property owner (adds Toronto HELP loan eligibility on top of provincial/federal programs)
- ✅ Using a CGHAP-registered contractor (mandatory for the $40,000 interest-free loan — Spray Foam Kings qualifies)
Even if you check only two or three boxes above, you can typically combine $1,250 (HRS attic) + up to $40,000 (CGHAP loan) — enough to finance a full attic, basement, and rim joist project with zero interest for 10 years. For basement spray foam insulation, check our service page for minimum thickness requirements by program.
How to Stack Rebates — Combining Programs for Maximum Savings in 2026
Stacking is legal and encouraged. The key rule: you cannot double-dip on the same dollar of spend with two cash rebates, but a rebate plus a loan on the same project is always allowed.
Scenario A — Standard Attic Upgrade (Most Common GTA Homeowner)
- Project: 1,200 sqft attic, closed-cell spray foam at 3 inches, Toronto
- Installed cost: ~$6,000 (at $5.00/sqft closed-cell)
- HRS Attic-Only rebate: $1,250 (no audit needed)
- CGHAP 0% loan on remaining balance: $4,750 at 0% for up to 10 years = $39.58/month with no interest
- Net out-of-pocket at completion: $0 if loan covers full balance; $1,250 returned within 4–8 weeks
Scenario B — Full Envelope Upgrade (Maximum Stacking)
- Project: Attic + basement + rim joist, open + closed cell, Mississauga
- Installed cost: ~$14,000
- Enbridge HER+ rebate (pre + post audit): up to $10,000
- HRS Multi-Measure rebate: up to $5,000 (HER+ and HRS can stack if measures are distinct)
- CGHAP loan on remaining balance after rebates: up to $40,000 available
- Effective cost after all rebates: as low as $0 on a $14,000 project if audit confirms maximum tier
Scenario C — Toronto Homeowner (HELP + Provincial)
- Project: Deep energy retrofit, all zones, Toronto detached
- Installed cost: ~$22,000
- HRS Multi-Measure: $5,000 cash rebate
- Enbridge HER+: up to $10,000 cash rebate
- Toronto HELP loan: covers remaining $7,000 at low rate via property tax bill
- CGHAP loan: additional $40,000 available if needed for other measures
Stacking requires precise sequencing: rebate applications must be submitted in the correct order (HRS before CGHAP draw, HER+ audit before work completion). Spray Foam Kings manages this sequencing on your behalf — it’s part of what makes us the right contractor to call first, not last. See our spray foam insulation service overview for what’s included in a full project scope.
Application Timeline & Documentation — Step by Step
The single biggest reason homeowners miss rebates: they start the paperwork after the work is done. Every program requires at least one pre-installation step. Here’s the correct workflow:
- Free Rebate Assessment with SFK — We confirm which programs you qualify for, what documentation is needed, and the sequencing. Takes 20 minutes by phone or on-site.
- Pre-Installation Energy Audit (required for HER+, CGHAP) — Hire a Natural Resources Canada–registered energy advisor. Typical cost: $300–$500 CAD; some programs partially reimburse this.
- Eligibility Pre-Approval — Submit pre-approval forms to Enbridge and/or federal portal before work starts. SFK provides contractor registration numbers and spec sheets.
- Spray Foam Installation — SFK crew installs to spec, documenting thickness, R-value, and product data sheets required for rebate submission.
- Post-Installation Energy Audit (required for HER+) — Energy advisor returns after installation to verify upgrades and issue final EnerGuide label.
- Rebate Submission — SFK prepares the contractor portion of every submission. You submit or we co-submit depending on the program portal.
- Payment — HRS: 4–8 weeks by cheque or direct deposit. HER+: 8–16 weeks. CGHAP loan: disbursed directly to contractor at project completion.
Total time from first call to rebate cheque in hand: typically 10–20 weeks depending on audit wait times. We recommend starting the process before booking your installation date so audit scheduling doesn’t delay your project. Call 647-641-6881 and we’ll walk through your timeline in detail.
GTA-Specific Rebate Availability — All 10 Cities
Program availability varies by municipality and utility provider. This table covers the GTA cities we service in 2026:
| City | Enbridge HER+ | HRS (Provincial) | CGHAP Loan | Toronto HELP | Notes |
|---|---|---|---|---|---|
| Toronto | ✅ | ✅ | ✅ | ✅ | Maximum stacking city — all 4 programs active |
| Scarborough | ✅ | ✅ | ✅ | ✅ (part of Toronto) | Toronto HELP covers Scarborough postal codes |
| North York | ✅ | ✅ | ✅ | ✅ (part of Toronto) | High density of pre-1970 homes — strong HRS candidates |
| Etobicoke | ✅ | ✅ | ✅ | ✅ (part of Toronto) | Many bungalows with under-insulated attics |
| Mississauga | ✅ | ✅ | ✅ | ❌ (Peel Region) | HER+ + HRS + CGHAP available; check Peel Region programs |
| Vaughan | ✅ | ✅ | ✅ | ❌ | HER+ strong coverage; York Region pilots may add local top-up |
| Markham | ✅ | ✅ | ✅ | ❌ | High proportion of 1990–2005 homes near HRS thresholds |
| Brampton | ✅ | ✅ | ✅ | ❌ | Peel Region; strong Enbridge coverage |
| Oakville | ✅ | ✅ | ✅ | ❌ | Halton Region; CGHAP + HRS both strong options |
| Hamilton | ✅ (most areas) | ✅ | ✅ | ❌ | Some Hamilton areas have Union Gas/EGD coverage — verify utility |
Ontario Building Code & R-Value Minimums for Rebate Qualification
Ontario Building Code SB-12 (2024 edition) sets the minimum thermal performance for insulation upgrades. Rebate programs reference these minimums as eligibility floors. Here’s what you need for the most common applications:
- Attic / roof assembly: Minimum RSI-6.91 (R-39) for new construction; HRS requires upgrading to at least R-31 for existing homes built before 1990.
- Basement walls: Minimum RSI-2.11 (R-12) effective. Closed-cell spray foam at 2 inches (R-12) achieves this in one pass.
- Rim joists: R-10 minimum; closed-cell at 1.5 inches meets and exceeds this threshold.
- Above-grade walls (new construction): RSI-3.08 (R-17.5) effective — typically requires continuous insulation or high-R spray foam to avoid thermal bridging.
Spray Foam Kings designs every install to meet or exceed SB-12 prescriptive minimums. All our closed-cell work uses HFO-blown foam (GWP <1) meeting the latest health and environmental standards, and we issue R-value certificates with every project for rebate documentation. Our closed-cell spray foam service page details product specs by application.
Why Choose Spray Foam Kings for Your Rebate Project
Any licensed contractor can install spray foam. Not every contractor understands the rebate ecosystem well enough to protect your eligibility. Here’s what makes us different:
- CUFCA Certified + BPI Member: The two industry credentials rebate programs actually check. Our certification numbers are on file with Enbridge and the CGHAP portal.
- Enbridge Registered Contractor: We’re on the official Enbridge HER+ contractor list. Jobs installed by non-registered contractors cannot access HER+ rebates — full stop.
- $5M Liability + WSIB: Required for CGHAP disbursement. Some contractors lose client rebates because their insurance lapses mid-project.
- Rebate Documentation Included: We provide product data sheets, installed thickness records, R-value certificates, and completed contractor sections of every rebate form at no extra charge.
- 15+ Years, 2,000+ GTA Projects: We’ve navigated four iterations of the Greener Homes program and the HRS rollout. We know what auditors look for and we install to pass the post-assessment on first inspection.
“We were overwhelmed trying to figure out which rebate programs applied to our Vaughan home. The SFK team not only installed the foam perfectly but walked us through the HER+ and HRS applications step by step. We got $6,200 back on a $9,800 project — we couldn’t have done that without them.”
— Maria T., Vaughan, ON — closed-cell attic + basement, March 2026
Frequently Asked Questions — Ontario Spray Foam Insulation Rebates 2026
How much total rebate can I get for spray foam insulation in Ontario in 2026?
The maximum combined incentive for a single Ontario homeowner in 2026 is approximately $51,250 — made up of up to $10,000 (Enbridge HER+), $5,000 (HRS Multi-Measure), and $40,000 (CGHAP 0% loan). Toronto homeowners can layer in the HELP loan on top. Few projects hit the absolute maximum; most GTA attic upgrades yield $1,250–$6,000 in direct rebates plus access to the interest-free loan for the remainder.
Is the Canada Greener Homes Grant still available in 2026?
No. The Canada Greener Homes Grant permanently closed on December 31, 2025. Any contractor still advertising this grant is quoting outdated information. The federal replacement is the Canada Greener Homes Affordability Program (CGHAP), which offers up to $40,000 as a 0% interest loan — not a grant — repaid over up to 10 years. The loan is paid directly to the registered contractor at project completion.
What is the Enbridge HER+ rebate for spray foam insulation and how much can I get?
Enbridge HER+ (Home Efficiency Rebate Plus) provides cash rebates of up to $10,000 for natural gas customers who complete eligible insulation upgrades. The exact amount depends on the EnerGuide improvement measured in your pre- and post-installation energy audits. Attic spray foam upgrades typically yield $1,500–$4,500 in HER+ rebates depending on the pre-upgrade R-value and post-upgrade improvement. Spray Foam Kings is an Enbridge registered contractor.
Do I need an energy audit to qualify for spray foam rebates in Ontario?
It depends on the program. The Home Renovation Savings (HRS) Attic-Only stream requires no energy audit — you submit contractor invoices and product specs only. Enbridge HER+ and the CGHAP loan both require a pre-installation EnerGuide assessment by a registered energy advisor (cost: $300–$500 CAD). We help coordinate audit scheduling and provide all contractor documentation the advisor needs.
Can I stack the Home Renovation Savings rebate with the Canada Greener Homes Affordability Program loan?
Yes — this is the most common stacking scenario for GTA homeowners in 2026. The HRS $1,250 attic rebate is a provincial cash rebate; the CGHAP $40,000 is a federal loan. Combining them is permitted and encouraged. Example: $6,000 attic project → $1,250 HRS cash back + $4,750 CGHAP loan at 0% for 10 years → effective monthly payment of $39.58 with no interest cost.
What R-value does my attic spray foam need to qualify for Ontario rebate programs?
The HRS Attic-Only stream requires upgrading your attic to a minimum of R-31 (RSI-5.46) if your home was built before 1990. Enbridge HER+ measures improvement in EnerGuide rating points, but attic insulation upgrades to R-40+ consistently achieve the higher rebate tiers. Closed-cell spray foam reaches R-31 at just 5 inches; open-cell at 9 inches. OBC SB-12 prescriptive minimum for attic insulation in new construction is R-39 — upgrades should target this level to future-proof the home.
How long does the spray foam rebate application take in Ontario?
Timeline from project completion to rebate payment in 2026: HRS: 4–8 weeks; Enbridge HER+: 8–16 weeks; CGHAP loan disbursement: 6–12 weeks. The CGHAP loan is paid to the contractor, not the homeowner, so you see the benefit immediately as a reduced invoice. The longest wait is the HER+ post-assessment — we recommend booking the post-audit appointment the same day as installation so you don’t lose 3–4 weeks to scheduling.
Is spray foam insulation eligible for the Toronto Home Energy Loan Program (HELP)?
Yes. The Toronto HELP loan is available to all Toronto (including Scarborough, North York, Etobicoke) property owners for any eligible energy-saving upgrade, including spray foam insulation to attic, basement, or walls. Loan amounts up to $125,000 are repaid through property tax installments over a term of up to 20 years. No audit is required. This makes it an excellent complement to CGHAP for larger whole-home projects in Toronto.
Does the Home Renovation Savings program cover spray foam insulation in the GTA?
Yes. The Ontario Home Renovation Savings (HRS) program covers closed-cell and open-cell spray foam insulation in the attic (Attic-Only stream, up to $1,250) and as part of a multi-measure upgrade (Multi-Measure stream, up to $5,000). The program has been extended through November 2026. Applications must be submitted within 90 days of project completion; retroactive applications are not accepted for projects completed before program launch.
What is the Canada Greener Homes Affordability Program and how does it differ from the old grant?
The CGHAP is the federal government’s 2026 replacement for the Canada Greener Homes Grant. The key difference: the old grant was free money (up to $10,600 back); the CGHAP is an interest-free loan up to $40,000 repaid over up to 10 years. For most GTA homeowners, the loan is actually more useful — it covers the entire project cost upfront, requires no out-of-pocket spend at installation, and the 0% interest means the real cost is unchanged from paying cash. The contractor must be CGHAP-registered for funds to be disbursed.
Can I get a rebate on spray foam insulation for a rental property in Ontario?
HRS and CGHAP both allow landlord participation for rental properties, provided the property is in Ontario and the owner applies directly. The Enbridge HER+ program is designed for owner-occupied homes as the primary applicant but has provisions for small landlords. Toronto HELP is available to any property owner, including rental properties, within Toronto city limits. Spray Foam Kings regularly works on rental property upgrades — contact us to confirm eligibility for your specific situation.
How do I find out if my home qualifies before spending money on an audit?
Call Spray Foam Kings at 647-641-6881 for a free 20-minute rebate eligibility assessment. We review your home’s year of construction, current insulation level, utility provider, and project scope to identify which programs apply before you spend anything. We’ve completed over 2,000 GTA spray foam projects and can typically give you a rebate estimate in one call.
Get Your Free Rebate Assessment Today
Stop leaving Ontario spray foam rebates on the table. Spray Foam Kings identifies every program you qualify for, handles the documentation, and installs to the exact specifications rebate auditors check. In 2026, GTA homeowners can access up to $51,250 in combined rebates and interest-free financing — but only if the paperwork is done in the right order, before the work starts.
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Call: 647-641-6881
We serve Toronto, Scarborough, North York, Etobicoke, Vaughan, Mississauga, Markham, and Brampton. CUFCA Certified · Enbridge Registered · $5M Liability · WSIB · OBC SB-12 Compliant.