GST Rebate Calculator for First-Time Home Buyers in Ontario

Ontario First-Time Home Buyer GST Rebate Calculator
  • First-Time Buyer
  • Up to $50k Savings
  • Ontario Rebates

Ontario First-Time Home Buyer GST Rebate Calculator

Calculate your potential savings with the new 2025 First-Time Home Buyers’ GST Rebate. This powerful incentive can save you up to $50,000 on new homes up to $1.5M, plus Ontario’s provincial HST rebate.

The calculator combines the federal First-Time Home Buyers’ GST Rebate (effective May 27, 2025) with Ontario’s existing provincial rebate to give you a complete picture of your potential savings.

Quick eligibility requirements:
  • First-Time Buyer: Neither you nor your spouse have owned a home in the past 4 years.
  • New Home: Must be a new or substantially renovated home.
  • Primary Residence: You must intend to live in the home as your primary residence.
  • Purchase Date: Must close on or after May 27, 2025 for the federal rebate.
Jump to Calculator
New for 2025:
The First-Time Home Buyers’ GST Rebate is a game-changer for new home buyers. On a $1M home, you could save up to $50,000 in GST alone, plus additional Ontario provincial rebates.

GST Rebate Calculator

Enter your home details below to calculate your potential GST and HST rebate savings.

The First-Time Home Buyers’ GST Rebate applies to purchases on or after May 27, 2025.
I am a first-time home buyer (neither I nor my spouse have owned a home in the past 4 years)
This is a new or substantially renovated home
This will be my primary residence
💡 How It Works
The First-Time Home Buyers’ GST Rebate provides up to 100% of the GST on homes up to $1M, gradually phasing out to $1.5M. Combined with Ontario’s provincial rebate, these savings can significantly reduce your closing costs.
🎯 First-Time Home Buyers’ GST Rebate
Must meet ALL of these criteria:
Canadian Citizen/PR 18+ years old First-time buyer Primary residence New home After May 27, 2025
🏛️ Ontario Provincial Rebate
Requirements:
New/renovated home Primary residence Located in Ontario
💰 Maximum Savings
On a $1M home, you could save up to $50,000 in GST rebates plus up to $24,000 in Ontario provincial rebates — that’s $74,000 in total savings!

Important rebate information

The First-Time Home Buyers’ GST Rebate is one of the most significant incentives for new home buyers in recent years. Make sure you understand the requirements and timing to maximize your savings.

Remember: these rebates are applied at closing, reducing the amount you need to bring to the table.

Quick Facts

  • On May 27, 2025, the federal government proposed eliminating the full federal portion of the HST on qualifying newly built and substantially renovated homes valued up to $1 million for first-time home buyers.
  • Details of Ontario’s proposed new rebate are based on the federal government’s proposal as announced on May 27, 2025. Implementation of the new Ontario rebate is subject to passage of federal legislation and requires federal regulatory changes. Ontario will continue to monitor the status of the federal proposal as it progresses through the federal legislative process.
  • Ontario will work with the federal government to propose that the new Ontario rebate be available if the agreement of purchase and sale for the home is entered into with the builder on or after May 27, 2025, and before 2031. Construction of the home must begin before 2031, and the home must be substantially completed before 2036. 
  • Other eligibility criteria for the new Ontario rebate would follow those set by the federal government, including that the individual must be acquiring the new home for use as their primary place of residence.
  • The Protect Ontario by Building Faster and Smarter Act, 2025, helps speed up the construction of new homes and infrastructure by streamlining development processes and reducing costs, in partnership with municipalities.