Free tool
HST Rebate Calculator
See the rebate math built into a new-construction price — the federal and Ontario new-housing rebates hidden inside a builder's sticker.
Builder prices normally already include HST with the rebates built in — this shows the math hiding inside the sticker.
$1,049,900
Total rebates in this price
$79,992
- Base price (before HST)
- $999,905
- HST at 13%
- $129,988
- Federal rebate
- $0 (phased out)
- Ontario rebate (Enhanced)
- − $79,992
- Net HST built into price
- $49,995
- All-in price
- $1,049,900
Ontario's Enhanced rebate lifts the provincial share to $79,992 — up from $24,000 under the prior rule, for agreements signed in the current window. Estimate only.
Estimates only, and general information rather than tax advice. Figures follow published CRA and Ontario rebate rules — your APS governs, and your eligibility, dates, and final numbers need to be confirmed with your lawyer or accountant.
How the HST rebate actually works
A new home carries 13% HST — 5% federal and 8% Ontario. It also comes with rebates that soften that tax for people who will live in the home.
Here is where buyers and agents alike get tangled up. On a home you will live in, those rebates are not a cheque you chase later or a cost you add on top. The builder claims them for you and has already subtracted them from the price on the sign.
So the rebate is not on top of the 13% — it is stacked inside the price you were quoted. A builder's “all-in” number already equals base price plus HST minus those rebates. You do not pay it twice, and you do not get it back separately. This tool opens that sticker price up and shows the tax and the rebates already sitting inside it.
New in 2026 — federal
A first-time buyer can now recover far more of the federal share. The new First-Time Home Buyers' GST Rebate gives you up to $50,000 — the full 5% GST — on a new home priced up to $1,000,000, then phases out to nothing by $1.5M. It was enacted in 2026, applications are open, and it reaches agreements dated on or after May 27, 2025.
New in 2026 — Ontario
Ontario's Enhanced New Housing Rebate raises the provincial share too. For agreements signed between April 1, 2026 and March 31, 2027, the Ontario rebate climbs from $24,000 to as much as $80,000 on an owner-occupied new build up to $1M.
A modest additional Ontario top-up can also apply to Enhanced rebate recipients; we flag it here but do not estimate it — your lawyer or accountant can confirm the exact figure.
Stack the two and the picture changes sharply: a first-time buyer of a sub-$1M new home can approach near-total HST relief on the purchase.
The one big exception — investors. If you are buying to rent it out, you do not qualify for the owner-occupier rebates at closing. The builder charges you the full 13% HST, so you bring that full amount on closing day — then reclaim a separate, and typically smaller, New Residential Rental Property rebate afterwards, once a one-year lease is in place. It is a different figure, not the owner-occupier rebate, so confirm it with your accountant.
The owner-occupier rebates assume you or a close family member will use the home as a primary residence. Estimates and general information, not tax advice — confirm your eligibility with your lawyer or accountant. Dates and details matter.
Estimates today. Become a client and your concierge tracks every deposit, deadline and closing figure as your deal moves — a step ahead of you.
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