Heat Pump Toronto
Ducted heat pumpWhole-home heating and cooling through your ducts.Rebate eligibleDuctless heat pumpRoom-by-room comfort. No ducts needed.Rebate eligibleFurnaceGas heat through your ducts. Heating only.Heating onlyAir conditionerCentral cooling through your ducts. Cooling only.Cooling only

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Heat pumps in Toronto

Toronto homeowners can look at Ontario and federal rebates, and the City has its own loan for the rest of the cost. We check what your home may qualify for and arrange the installation.

Winter design temperature
−18 to −20 °C
Heating degree days
3,520–3,800
Electricity distributor
Toronto Hydro

What a Toronto winter means for your heat pump

The building code uses −18 °C at City Hall, near the lake, and −20 °C in Etobicoke, North York and Scarborough. A home away from the lake has a little more heating to do, so the sizing should use the right figure for your address.

Climate figures: Ontario Building Code, SB-1 (2024).

Toronto’s Home Energy Loan Program

The City’s Home Energy Loan Program lends up to $125,000, within limits based on your property value, for upgrades that include air-source heat pumps. You repay it through your property tax bill, and heat pump-only projects no longer need EnerGuide assessments. See the City’s page for current rates and rules.

Rebates for Toronto homeowners

A qualifying home may get the federal rebate of $2,000, or up to $10,000 at or below the median income, for installs from November 1, 2026. The Ontario rebate needs pre-approval before work starts. Read the full rebate guide.

How we help

Tell us about your home and we estimate your rebate. We arrange the installation with our partner installer and help with the rebate paperwork.

Common questions

Who can use Toronto’s Home Energy Loan Program?

The City limits it to low-rise homes in Toronto, up to three storeys and six units, with a postal code starting with M. All owners on title have to agree, and a mortgage lender has to consent in writing.

Are North York, Scarborough and Etobicoke covered?

Yes. They are part of the City of Toronto and part of our service area. The code’s design temperature there is −20 °C, two degrees colder than at City Hall.

Are heat pump rebates different in Toronto?

No. The Ontario and federal programs are not set city by city. What changes the amount is your home, your equipment and, for the federal rebate, your household income.

Other areas we serve

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