Heat Pump Cost in Ontario, Priced by 18 GTA Installers

We checked the websites of 24 GTA heating and cooling installers on September 28, 2026, and 18 of them print an installed heat pump price. A ducted system uses the air ducts you already have. In our ducted and size tables, 13 of the 15 installer price ranges start between $5,000 and $8,000 and end between $9,000 and $18,000, installed and before any rebate. The City of Toronto's own estimate for a ducted all-electric system is higher: about $14,000 to $22,000 before tax. A ductless mini-split (a wall unit that needs no ducts) is priced from $3,000 to $12,000 for one zone or room in the ranges we list. The rebate then comes off per ton of heating capacity. It's $1,250 a ton up to $7,500 if you heat with electricity, oil, propane or wood, and $500 a ton up to $2,000 on Enbridge natural gas. Only one installer says whether HST is in its price.

What 24 GTA installers publish

Each row is one company, read on its own site on September 28, 2026. "Prints a price" means we found an installed heat pump price on its site. For the six that print none, we read their heat pump pages in full and searched each site for a price page.

Three points from this table. First, only HVAC Zack prints "plus HST" beside its prices. The other 17 say nothing about tax, so treat their figures as silent on it, not as tax-included. Second, 5 of the 18 still describe a closed program as if you could apply. Natural Resources Canada marks the Canada Greener Homes Grant closed, with December 31, 2025 the last day to submit documents. Enbridge closed HER+ to new applicants on Feb. 5, 2024, and the Greener Homes Loan is closed too. Third, the ranges are not the same product, which the next section shows.

Ducted heat pumps: what each installer prints

A ducted heat pump replaces your air conditioner and does most or all of your heating through the ducts you already have.

The spread is wide because most pages never say whether your furnace stays. A heat pump that keeps the furnace as backup is a hybrid. One that replaces the furnace needs an indoor air handler (the fan and coil box that pushes the heated air), and often backup electric heat. Bison Air is the only installer here that prints separate hybrid and all-electric prices at each size. Its 3-ton all-electric Panasonic system is $12,414.00 with the air handler, and its product page says the electric backup heater is not included. The City's $14,000 to $22,000 estimate is also for all-electric, and it excludes duct and electrical upgrades.

The same company can print two answers. EcoFrost's Toronto page puts a cold-climate heat pump at $5,500 to $9,000, and its Ontario guide says $6,500 to $14,000. HVAC Market's $4,699.00 for a 3-ton Kepler is a current sale price. Canada Energy Solution's $2,999 is a "from" price with no size named. Neither page lists what the installation covers, so read both as floors.

These three prices don't say whether the system is ducted.

Hybrid: a heat pump with your gas furnace as backup

In a hybrid, the heat pump handles cooling and most heating, and the gas furnace takes over on the coldest days. The City of Toronto calls hybrids the lowest-cost heat pump option.

The City frames its $4,000 to $6,000 as possibly $1,000 to $3,000 more than swapping an old air conditioner for a new one.

Ductless mini-splits, by number of zones

A zone is one indoor head serving one room or area. Several heads can share one outdoor unit (a multi-zone system).

Only a cold-climate model on the federal list can earn the rebate, so a "standard" single-zone price may not qualify. And the rebate needs the system to heat the whole home, basement included, so a single head qualifies only if it can do that.

How size moves the price

Heat pumps are sized in tons (one ton is 12,000 BTU an hour of heating or cooling). Reliance and Bison Air both print a price for each size.

Reliance's 2-ton floor is lower than its 1.5-ton floor, so its bands overlap more than they climb. Going from 2 to 4 tons adds $13,274 - $8,835 = $4,439 on the all-electric line and $8,600 - $5,290 = $3,310 on the hybrid line.

Square-foot labels are not a sizing method. Bison labels its 3-ton all-electric unit "Up to 2000 sq ft" and its 3-ton hybrid "Up to 3000 sq ft". Your size should come from a heat-loss calculation, which Toronto's stand-alone HVAC permit application also asks for.

What a quote should include

Megacity HVAC splits a typical 3-ton job into eight priced line items, shown below with add-ons from two other installers and the City.

Furnace King lists what its own quoted price covers. That includes the outdoor and indoor units, a thermostat, a standard line set and a concrete pad. It also covers connection to an existing dedicated circuit, standard duct connections, and municipal permit and inspection fees. Ask every installer for that list in writing. Then ask the two questions most pages skip: is HST in the number, and does the furnace stay?

The City of Toronto adds a warning worth taking. It calls the need for a panel upgrade "a common misconception" and says to avoid upgrades "if they are not needed". Toronto Hydro's self-serve portal shows your past use and peak demand, so check it before anyone quotes a new service.

The rebate, applied to a real price

The Home Renovation Savings program, run by Enbridge Gas and Save on Energy, pays for a cold-climate air-source heat pump per ton of rated heating capacity at 8.3°C (47°F):

• Electricity, oil, propane or wood heat: $1,250 a ton, up to $7,500.
• Enbridge Gas customer heating with natural gas: $500 a ton, up to $2,000.
• Rented equipment, any fuel: $500 a ton, up to $2,000.

The tons are not rounded, and they are heating tons at 8.3°C, not the size in the product name. The program's heat pump page calls it the "minimum rated heating capacity at 8.3C", while its Stream Requirements say "total rated heating capacity", so ask your contractor which figure its pre-approval uses. The program's own example is a unit rated 3.2 tons at 8.3°C, which pays $500 x 3.2 = $1,600 in a gas home or $1,250 x 3.2 = $4,000 in a non-gas home. Here is the arithmetic on two listed prices, using the heating figure each Bison Air listing prints:

• Electrically heated home, all-electric: the 3-ton Panasonic system with air handler is $12,414.00 and prints 40,000 BTU of heating. If that is its rating at 8.3°C, the rebate is 40,000 / 12,000 x $1,250 = $4,166.67, leaving $12,414 - $4,166.67 = $8,247.33 on the listed price.
• Gas-heated home, hybrid: the 3-ton Panasonic hybrid is $7,800.00, furnace not included, and prints 39,000 BTU of heating, more than the 36,000 BTU (3 x 12,000) that 3 nominal tons would be. If 39,000 is its rating at 8.3°C, the rebate is 39,000 / 12,000 x $500 = $1,625, leaving $7,800 - $1,625 = $6,175 on the listed price; at 36,000 it is 3 x $500 = $1,500.

Neither listing says at what outdoor temperature it measured that heating figure, so check the model's rating at 8.3°C on the federal list before you count on it. This is where installer math goes wrong. EcoFrost's worked example takes the full $7,500 off a 3-ton unit, but $7,500 needs 6 heating tons (6 x $1,250 = $7,500), twice that unit's nominal size.

These conditions, from the program's heat pump page and its Heat Pump Program Stream Requirements, decide whether you get anything:

• Approval first. A participating contractor applies before installation. "Installations done before approval are not eligible for rebates."
• No energy audit. The program's heat pump page says a home energy assessment is not required.
• The right machine. It must be an active model on Natural Resources Canada's cold-climate list, meet the program's efficiency floor, heat the whole home, and cool too.
• Your home. The owner applies. Detached, semi-detached, row and town houses qualify, as do mobile homes on a permanent foundation. So does a unit in a stacked townhome, duplex or triplex with its own heating (and, on Enbridge gas, its own meter). An apartment in a larger building is not on the list. A new build needs six months of occupancy.
• Oil and propane homes. You sign a tank removal attestation form, and an oil-heated home must switch its heating over to the heat pump.
• A first heat pump only. Replacing an existing heat pump does not qualify.
• Your fuel sets the size rules. Oil, wood and electrically heated homes can use only the two heating-led sizing options (C and D). Gas and propane homes can use all four.
• The furnace earns nothing. A gas home may keep a new or existing furnace as backup, but only the heat pump is rebated.
• One program at a time. You can't add another Enbridge, Save on Energy or Ontario incentive to the same heat pump.

If you heat with electricity or oil and your household income qualifies, Save on Energy's Energy Affordability Program installs a cold-climate heat pump for free.

On September 28, 2026, the heat pump page also said "New contractor registration is now open". So if your installer is not on the list yet, it can apply. It has to be listed before your install.

Permits and the electrical fee

The fee that almost always applies is the Electrical Safety Authority's. ESA says "almost all electrical work" needs a notification, filed before the work starts. The person doing the electrical work files it.

Which ESA fee you pay depends on the job. If the contractor's work is limited to listed HVAC equipment, such as the heat pump and air handler, it is a $40 flat fee. If not, the rate is $86 for the first piece of equipment plus $30 for each extra, and the $92 minimum applies. If an electrician runs the new circuit, that wiring is its own notification at the $86 rate, subject to the $92 minimum. ESA's own FAQ page still gives the minimum as $88. Its 2026 residential fee reference, dated as of April 1, 2026, says $92.

The building permit depends on your city:

• Toronto lists "Install or modify heating and or plumbing systems" as work that needs a permit. Its exempt list includes replacing a furnace and "the installation of additional cooling systems", but the City calls that list "not exhaustive". Its HVAC fee table (effective Jan. 1, 2026) has no heat pump row, so ask Toronto Building which one applies.
• Mississauga requires a permit for a "Heating, ventilation and air conditioning (HVAC) system". Its 2026 minimum fee for house-scale (Part 9) residential work is $244.00. No row names an air-source heat pump, and the per-square-metre HVAC class passes $244.00 above about 173 square metres ($244.00 / $1.41 = 173), so ask which class applies.
• Brampton requires a permit to "install new or modify existing heating, plumbing or air conditioner systems".

Don't add these into one total: none of these bodies publishes a combined heat pump figure.