Updated June 2026 Federal FTHB Rebate now law (Mar 12, 2026) Ontario HST 13%

First-Time Home Buyer GST Rebate Calculator – Ontario 2026

Estimate the federal First-Time Home Buyers’ GST Rebate (up to $50,000) plus your Ontario rebate – and see whether Ontario’s new enhanced HST rebate of up to $130,000 gets you even more.

Calculate your rebate

Which rules apply to your purchase?

Home Purchase Price ($)

Enter the price you’re paying for the home (the number on your Agreement of Purchase and Sale). We’ll estimate your HST rebate from it.

Your rebate breakdown

–

Total Rebate

Federal + Ontario combined

Home Price (Pre-HST)

Value HST is based on

Total HST (13%)

Before any rebate

HST After Rebate

What you actually pay

Federal GST Rebate

5% portion

Ontario Rebate

8% portion

Yes – that’s real money, and it’s the law.

This isn’t too good to be true. The rebate is set out in Ontario’s Bill 114 (Royal Assent May 12, 2026) and the federal First-Time Home Buyers’ GST Rebate (Bill C-4), and the CRA pays it straight to you. The only catch is the paperwork – which is exactly where most people leave money on the table.

You could get back thousands. Two ways to actually claim it:

The money is yours either way – the only question is who fills out the forms.

Option A – Do it yourself

in fees

You fill out the CRA paperwork yourself (GST190 and the Ontario RC7191-ON)
One wrong box or a missing signature and the CRA can delay or deny the whole claim
You hunt down every invoice, statement of adjustments and closing document
Miss an eligible amount and you quietly leave money on the table
You file, then wait 4-10 weeks – and argue it yourself if they push back
If you are ever audited, untangling it is entirely on you

Free to do – but one small slip can cost you thousands.

What most people do

Option B – Let us file it for you

A small %

of your rebate – and it is there only so we recover every dollar you are owed

A licensed Ontario rebate team with 10+ years and thousands of filings handles it all
They comb every invoice so you claim the maximum you are legally owed – not a dollar less
They deal with the CRA, the follow-ups and any audit questions for you
No upfront fee – they only get paid when your cheque arrives, so they are fully on your side
You sign once, then do nothing but cash the cheque

You pocket the rest – zero hassle, zero risk, nothing out of pocket.

Free review – No upfront cost – We only get paid when you do – Licensed Ontario specialists

Prefer to talk it through? Call 705-533-1633

Just here for the tools? Build Cost Calculator – Development Charges

How the two rebates work

Which rebate applies depends on when you signed your Agreement of Purchase and Sale.

1. Ontario Enhanced HST Rebate – up to $130,000 (Apr 1, 2026 – Mar 31, 2027)

This temporary program rebates both the 8% Ontario portion and the 5% federal portion of the HST. It applies to all buyers – not just first-time buyers – for a home used as a primary residence or a qualifying long-term rental. The agreement must be signed after March 31, 2026 and before April 1, 2027, construction must begin before January 1, 2029, and the home must be substantially completed before January 1, 2032.

2. Federal First-Time Home Buyers’ GST Rebate – up to $50,000

For agreements signed on or after March 20, 2025 and before 2031, a first-time buyer can recover 100% of the federal GST (the 5% portion) on a new home, up to $50,000:

Home valued at or below $1,000,000: full rebate, up to $50,000
Home valued $1.0M-$1.5M: rebate reduced on a straight line (a $1.25M home gets 50% of $50,000 = $25,000)
Home valued at or above $1.5M: no federal first-time buyer rebate

To qualify you must be 18+, a Canadian citizen or permanent resident, buying your first home as your primary residence, and you (or your spouse/common-law partner) must not have owned and lived in a home in the current calendar year or the previous four. Construction must begin before 2031 and be substantially completed before 2036. This rebate stacks with the existing Ontario New Housing Rebate (75% of the 8% provincial portion, up to $24,000) – so a first-time buyer of a $1M home outside the enhanced window can still save up to about $74,000.

Scenario	Home Value	Federal	Ontario	Max Total
Enhanced (Apr 2026-Mar 2027)	Up to $1.0M	Full 5%	Full 8%	$130,000
Enhanced (Apr 2026-Mar 2027)	$1.0M-$1.5M	included	included	$130,000 max
Enhanced (Apr 2026-Mar 2027)	$1.5M-$1.85M	declining	declining	$130K to $24K
First-time buyer (standard)	Up to $1.0M	Up to $50,000	Up to $24,000	$74,000
First-time buyer (standard)	$1.25M	$25,000	$24,000	$49,000
Not first-time (standard)	Over $450K	$0 federal	Up to $24,000	$24,000

Don’t fancy CRA forms? Hand it off.

A specialist files your rebate for you – no upfront fee, paid only when your cheque arrives. Free review, no obligation.

No upfront fee – We only get paid when you do – Or call 705-533-1633

Frequently asked questions

Can I claim both the $50,000 federal rebate and the $130,000 Ontario rebate?

Not stacked on the same home. If your agreement falls in the enhanced window (Apr 1, 2026 to Mar 31, 2027), Ontario’s enhanced rebate already covers the full 13% HST (both the 5% federal and 8% provincial), up to $130,000 – that’s the one to use. The federal First-Time Home Buyers’ GST Rebate is for agreements signed before April 1, 2026 (back to March 20, 2025), where it stacks with the standard Ontario rebate of up to $24,000.

Do I have to be a first-time buyer for the $130,000 Ontario rebate?

No. Ontario’s enhanced rebate applies to all buyers of a qualifying new home used as a primary residence or a qualifying long-term rental. The first-time buyer requirement only applies to the separate federal $50,000 GST rebate.

What date makes me eligible for the federal first-time buyer rebate?

Per the Canada Revenue Agency, the agreement of purchase and sale must be entered into on or after March 20, 2025 and before 2031 (for owner-built homes, construction must begin on or after March 20, 2025). The home must be substantially completed before 2036 and be your primary residence.

Does the rebate apply to ICF homes?

Yes – the construction method has no effect on HST rebate eligibility. An ICF home at the same value receives exactly the same rebate as a wood-frame home, and then keeps saving you money on energy for decades. See our ICF 25-Year Energy Savings Calculator.

Ready to claim your rebate?

Get a free review from a licensed Ontario rebate specialist. We only get paid when you do – no upfront fee, no obligation.

No upfront fee – We only get paid when you do – Or call 705-533-1633

Disclaimer: This calculator reflects the federal First-Time Home Buyers’ GST/HST Rebate (Bill C-4, Royal Assent March 12, 2026) and Ontario’s enhanced HST rebate (Bill 114, Royal Assent May 12, 2026), based on the Canada Revenue Agency and Ontario Ministry of Finance guidance available in June 2026. Final federal regulations and rebate forms for the Ontario enhancement were still being released at that time, and rules, thresholds and eligibility can change. Results are estimates for planning only and are not tax advice. Always confirm with the Canada Revenue Agency and a qualified tax professional before making financial decisions. BuildersOntario.com accepts no liability for decisions made based on these calculations.

Related Ontario HST rebate calculators

New-home HST rebate calculator - Buying a newly built home? See your rebate (up to $130,000).
How to calculate HST on an Ontario home - The full breakdown of HST and rebates on a home purchase.
Major renovation HST rebate calculator - Renovating or rebuilding? Estimate your owner-built rebate.

Buying or building new in Simcoe County or Georgian Bay?

New-home buyers get the rebate - and if you build with us, an ICF home that keeps saving on energy for decades. We have designed and built across the region for 45 years, HCRA-licensed and Tarion-backed, working across Collingwood, Wasaga Beach, the Blue Mountains, Stayner, Barrie, Springwater, Oro-Medonte, Midland, and nearby communities. Pick the path that matches where you are right now.

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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.

GST Rebate Calculator for First-Time Home Buyers in Ontario