A reference guide to federal, Québec, Hydro-Québec and municipal programs to buy, renovate or improve a property in Québec.
Verified on 11 October 2026
Key updates
First-time buyers: up to $5,875 in welcome tax refundedSince January 1, 2026, Quebec refunds up to $5,875 in property transfer duties to first-time buyers. To receive an advance payment for a 2026 purchase, you must apply in My Account no later than December 1, 2026. The credit is reduced when the property’s value exceeds $750,000 and is zero at $1,000,000. Official site ↗
New Rénoclimat grid since October 1, 2026Higher amounts for insulation and windows, plus a new flood-protection component. Heat pumps are no longer part of the Rénoclimat grid: they are subsidized by LogisVert (Hydro-Québec). A federal heat pump rebate, announced on October 8, 2026, is expected in 2027. Official site ↗
First-time buyers of a new or substantially renovated home that will be their principal residence.
Assistance
Up to 100% of the GST, maximum $50,000, for a price up to $1M. The rebate is phased out between $1M and $1.5M and is eliminated at $1.5M.
Conditions
Canadian citizen or permanent resident, 18 or older, who has not lived in a home owned by them (or their spouse) in the current year or the 4 previous years. Agreement signed with the builder on or after March 20, 2025, and before 2031.
Refundable tax credit for home ownership (welcome tax refund)
Who it’s for
First-time buyers of a home in Quebec, and people with a severe disability buying a more accessible home.
Assistance
Up to $5,875: 100% of the first $5,000 in transfer duties, plus 25% of the next $3,500. The credit is reduced when the property’s value exceeds $750,000 and is zero at $1,000,000.
Conditions
Homes acquired since January 1, 2026. Neither the buyer nor their spouse has been an owner-occupant in the current year or the 4 previous years. Advance payment available in My Account; deadline for 2026: December 1, 2026, otherwise claim it in your income tax return.
Insured mortgages: 30-year amortization and $1.5M cap
Who it’s for
First-time buyers and buyers of a newly built home with less than 20% down payment.
Assistance
Maximum price of $1.5M for an insured mortgage. Minimum down payment: 5% up to $500,000 and 10% on the portion from $500,000 to $1.5M. Amortization up to 30 years.
Rénovation Québec (municipal programs, including cracked houses)
Who it’s for
Owners in an area targeted by their municipality.
Assistance
Varies by municipality.
Conditions
SHQ framework program delivered by cities. Suspended by the SHQ until further notice; no new applications (e.g. Quebec City, Repentigny). Check with your city.
Owners who want to protect their home against flooding.
Assistance
Sump pump with battery up to $1,000, backwater valve up to $700, removable flood barrier up to $800, resilience assessment up to $1,000, foundation protection up to 75% of expenses (maximum $35,000).
Conditions
New component in effect since October 1, 2026. The assessment is mandatory for the guided pathway in a flood zone.
Rénoclimat (insulation, windows, energy efficiency)
Who it’s for
Owners of houses, duplexes, triplexes and small multi-unit buildings.
Assistance
Since October 1, 2026 (single-family home): roof insulation up to $2,000, exterior walls up to $7,000, foundations up to $2,500, windows $300 each up to $4,500, stationary battery up to $4,000, energy evaluation up to $500. Higher caps for duplexes, triplexes and small multi-unit buildings.
Conditions
Work done after October 1, 2026, by a contractor holding the required licences. The pre-work energy evaluation is no longer mandatory, but recommended. The new grid no longer includes heat pumps (see LogisVert).
Owners (and tenants for certain appliances) who install efficient equipment.
Assistance
Heat pump: $50 per 1,000 BTU/h ($120 for cold-climate models). Replacement with geothermal: $250 per 1,000 BTU/h, up to $18,000. Solar panels: $1,000 per kW, up to 40% of the cost. Roof insulation and air sealing: $1,500. Induction range and heat pump dryer: $250 each.
Conditions
New certified appliances installed by a qualified contractor. Increased to $220 per 1,000 BTU/h for certain multi-unit buildings in a designated zone.
Accessory dwelling unit as of right (Quebec law 2024–2029)
Who it’s for
Owners of a detached single-family home in an urban area.
Assistance
No grant: it is a right to build.
Conditions
From August 21, 2024, to August 20, 2029, an accessory unit may be created in the house (extension or subdivision), even if zoning prohibits it. Only one per residence; municipal siting standards apply.
Ban on home purchases by non-Canadians — Scheduled to remain in place until January 1, 2027; no extension announced as of October 2026. ↗
Commitment of Quebec’s new government — Election promise of the Parti Québécois (elected on October 5, 2026): QST refund of up to $45,000 on new homes and the first-time buyer credit raised to $3,000. No legislation or effective date yet. ↗
Good to know
Welcome tax exemptions — Some transfers are exempt from transfer duties, for example between spouses or in a direct line (parent-child), under the Act respecting duties on transfers of immovables. ↗
LogisVert: efficient pool pump — Measure withdrawn on November 30, 2026: purchases before that date, applications before March 1, 2027. ↗
Ended or suspended programs
Canada Greener Homes Grant (Quebec) (Federal) — Closed on September 30, 2025. ↗
Canada Greener Homes Loan (Federal) — Funds exhausted, no new applications. ↗
Oil to Heat Pump Affordability Program (Federal) — Applications closed on July 31, 2026; final receipts due by January 31, 2027, for accepted files. ↗
Chauffez vert (Quebec) — Ended on March 31, 2026. ↗
Éconologis and free LogisVert heat pump (modest income) (Quebec) — Registration closed for the 2026–2027 season. ↗
Programs change often: check the conditions on the official site before applying or starting work.
Planning to buy or renovate?
I can help you find out which programs apply to your property and your situation.
