New Housing Rebate Calculator
Understanding Your Results
Federal Rebate
The GST rebate from the federal government, available across Canada with a $450,000 price limit. This is 36% of the GST paid, phasing out between $350,000 and $450,000.
Provincial Rebate
Additional rebate from your province. Varies by province with different limits. Some provinces have no provincial rebate. Check your province's specific rules.
Total Rebate
Combined federal and provincial rebates. This is the total amount you'll receive back. Use this to calculate your net home cost.
What is the New Housing Rebate?
Understanding GST/HST rebates for new home purchases in Canada.
Real-World Examples
See how rebates work for different home prices and provinces.
Ontario - $300,000 Home
A first-time buyer in Ontario
Calculation Steps
- Home price: C$300,000
- GST (5%): C$15,000
- Provincial (8%): C$24,000
- Federal rebate: C$5,400
- Provincial rebate: C$18,000
- Total rebate: C$23,400
British Columbia - $400,000 Home
A buyer in BC purchasing at the limit
Calculation Steps
- Home price: C$400,000
- GST (5%): C$20,000
- PST (7%): C$28,000
- Federal rebate: C$3,600 (phased out)
- Provincial rebate: C$0 (over BC limit)
- Total rebate: C$3,600
Alberta - $350,000 Home
A buyer in Alberta (no PST)
Calculation Steps
- Home price: C$350,000
- GST (5%): C$17,500
- No PST in Alberta
- Federal rebate: C$6,300
- Provincial rebate: C$0 (no PST)
- Total rebate: C$6,300
How to Use
Four simple steps to calculate your housing rebate.
Select Province
Choose where you're buying your new home. The calculator will load the correct rebate rules for your province.
Enter Home Price
Type the purchase price of your new home. This is the total price before any rebates.
Confirm Primary Residence
Check the box to confirm this will be your main home. You must intend to use it as your primary residence.
View Rebates
See federal, provincial, and total rebate amounts. Know exactly how much you'll get back.
Why Use This Calculator?
Key benefits of using our new housing rebate calculator.
Maximize Your Savings
Calculate both federal and provincial rebates to know your total savings. Don't leave money on the table when buying your new home.
Province-Specific Rules
Accurate calculations for Ontario, BC, Alberta, Quebec, and other provinces. Each province has different rebate rules and limits.
Eligibility Check
Instantly see if your home price qualifies for rebates. Know upfront if you're eligible before applying.
Budget Planning
Know your net cost after rebates for better financial planning. Make informed decisions about your home purchase.
Parameters Explained
Understanding each input field and how it affects your calculation.
Home Purchase Price
The total price you're paying for the new home before any rebates. This is the amount on your purchase agreement. The rebate is calculated based on this price.
Province
Your province determines which rebates apply and the calculation rules. Federal rebate is available nationwide, but provincial rebates vary. Some provinces have HST (combined tax) while others have separate GST and PST.
Primary Residence
You must intend to use the home as your primary residence to qualify for the rebate. This is a requirement set by the CRA. Investment properties and vacation homes don't qualify.
Calculation Formulas
Rebate calculation rules for Canada
Federal GST Rebate (5%)
The federal rebate is 36% of the GST paid, up to a maximum. It phases out between $350,000 and $450,000. No rebate for homes over $450,000.
If price ≤ $350,000: Rebate = GST Paid × 36% If $350,000 < price ≤ $450,000: Rebate phases out If price > $450,000: Rebate = $0
Example: Price: $300,000 → GST: $15,000 → Rebate: $5,400
Provincial Rebate (Ontario example)
Provincial rebates vary by province. Ontario rebates 75% of the provincial portion of HST, capped at $24,000. Only available for homes under $400,000.
If price ≤ $400,000: Rebate = Provincial Tax × 75% Max: $24,000 If price > $400,000: Rebate = $0
Example: Price: $300,000 → Provincial Tax: $24,000 → Rebate: $18,000
Common Questions
Answers to frequently asked questions about new housing rebates.
You must purchase a newly built or substantially renovated home as your primary residence. The home price must be under the provincial limit ($450,000 federally, varies by province). You must be a Canadian resident and intend to occupy the home as your principal place of residence.
Federal rebate is based on the 5% GST and available nationwide. Provincial rebates vary: some provinces have HST (combined tax) while others have separate PST. Limits and percentages differ by province. Ontario, for example, has a $400,000 limit for provincial rebate.
You can claim through your builder at closing (assignment) or file directly with CRA after purchase. Your lawyer typically handles the paperwork. You'll need to complete Form GST190 for federal rebate and provincial forms if applicable.
Yes, condos qualify for the new housing rebate if they're newly built and will be your primary residence. The same price limits and eligibility rules apply. Make sure the condo is considered a new housing unit.
Federal rebate phases out between $350,000-$450,000. Provincial limits vary. Even partial rebates can save thousands, so always calculate your specific situation. Consider negotiating the price if you're just over a rebate threshold.
Disclaimer
This calculator provides estimates based on current rebate rules. Tax laws and rebate amounts may change. Always verify eligibility and amounts with CRA and your provincial tax authority. Consult a real estate lawyer or tax professional for advice specific to your purchase. We are not responsible for decisions made based on this tool.