New Home HST Rebate Calculator – Ontario
🏡 New Home HST Rebate Calculator — Ontario 2026
Calculate your Ontario HST rebate for a new home purchase. Covers both the existing CRA rules AND the new temporary rules announced March 25, 2026 for purchase agreements signed April 1, 2026 – March 31, 2027.
💰 Calculate Your HST Rebate
🚨 Major Change: Ontario’s Temporary Full HST Removal (2026–2027)
On March 25, 2026, Premier Ford announced that Ontario and the federal government will temporarily remove the full 13% HST on new homes for purchase agreements signed between April 1, 2026 and March 31, 2027. This is the most significant change to new home HST rules in Ontario’s history.
Existing CRA Rules (Purchase Agreements Before April 1, 2026)
For agreements signed before April 1, 2026, the existing New Housing Rebate rules continue to apply. The rebate amount depends on the home’s base price and phases out on the federal side above $450,000.
The Four Price Bands (Existing Rules)
| Rules | Home Price | Federal Rebate | Ontario Rebate | Max Total |
|---|---|---|---|---|
| Existing (pre Apr 2026) | Under ~$485K SPNR | Up to $6,300 | Up to $24,000 | $30,300 |
| Existing (pre Apr 2026) | Over ~$485K SPNR | $0 | Up to $24,000 | $24,000 |
| New Proposed (Apr 2026–Mar 2027) | Under $1M | Full 5% (up to $50K) | Full 8% (up to $80K) | $130,000 |
| New Proposed (Apr 2026–Mar 2027) | $1M–$1.5M | Partial (federal portion) | Partial (provincial) | $130,000 flat |
| New Proposed (Apr 2026–Mar 2027) | $1.5M–$1.85M | Declining | Declining | $130K → $24K |
| New Proposed (Apr 2026–Mar 2027) | Over $1.85M | $0 | $24,000 | $24,000 |
Who Qualifies — New Rules
Under the new proposed rules, eligibility requires:
- Purchase agreement signed with a builder between April 1, 2026 and March 31, 2027
- Home used as primary residence or residential rental property
- Construction begins on or before December 31, 2028
- Construction substantially completed on or before December 31, 2031
Unlike the earlier first-time buyer program, the new one-year expansion applies to all eligible buyers — not just first-time buyers.
Frequently Asked Questions
My agreement is already signed before April 1 — can I get the new rebate?
No. The new proposed rules explicitly apply to agreements of purchase and sale signed on or after April 1, 2026. Agreements signed before that date continue under the existing CRA rules. If you’re close to signing and can wait until April 1, the potential savings are enormous — up to $130,000 on a $1 million home vs. $24,000 under the current rules.
Is the new $130,000 rebate definitely happening?
It was announced by Premier Ford on March 25, 2026, and the Ontario government has confirmed the federal government has “approximately agreed” to cover the federal portion. However, it requires amendments to the federal Excise Tax Act, which have not yet received Royal Assent. The changes are expected to be confirmed through the Ontario 2026 Budget process. Monitor Ontario.ca/budget for confirmation. Do not make binding financial decisions based solely on the announced rules — consult a tax professional.
Does the rebate apply to ICF homes?
Yes — construction method doesn’t affect HST rebate eligibility under either the old or new rules. An ICF home at the same purchase price receives exactly the same rebate as a wood frame home. See our ICF 25-Year Energy Savings Calculator to model the long-term energy savings an ICF home delivers on top of the HST rebate.
What about investment properties under the new rules?
The new rules also extend to residential rental properties (not just owner-occupied). For rental property purchases, construction must have begun before March 31, 2026, the purchase agreement must be signed in the April 2026–March 2027 window, and the home must be substantially completed by December 31, 2029.
Are development charges subject to HST?
Development charges paid directly to a municipality are not subject to HST. Building permit fees are also generally exempt. However, if these costs are bundled into your builder’s purchase price, HST applies to the full amount. Always ask your builder to clearly itemize what’s included in your purchase price.
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building a new ICF home over the next year how to I apply for the tax rebate?
I never applied for my HST/GST rebate when we built in 2005. Can i still apply today??
According to the rebate chart, to maximize the amount of the rebate, you should only report that the build is $350K, since the fair market value is only a guess. The rebate is reduced if the total amount of the build is more than $350K.
Recently tore down old run down house on old family owned property that my wife became sole owner of when her grandfather passed. There is still some work to be completed in the spring/summer and some of costs I incurred not added in but the pre-tax estimate is about $400,000. When calculating rebate amounts and eligibility do we take into account only the portion paid for (the dwelling itself) or full market value for the entire property. And if it is the entire market value of the property which would clearly drive the cost up considerably are we still entitled to the full Ontario Provincial rebate portion of $24,000?
Anyone else think its all little absurd that we have pay tax on a house that was built from supplies and services that were taxed?