Federal + provincial · all HST provinces · free
GST/HST New Home Rebate Calculator — Up to $30,300 Back
Buying a newly built home in Canada? You could be entitled to thousands back in federal and provincial rebates — but the eligibility rules and phase-out thresholds are complex. Ontario buyers can claim up to $30,300 combined. Know your exact rebate before you close.
Educational calculators — always consult a licensed professional before making financial decisions.
The contract price for a newly constructed home from a builder.
HST provinces (ON, NS, NB, NL, PE) have combined federal/provincial tax. Others pay GST only.
GST/HST new housing rebate only applies to new builds or substantial renovations — not resale homes.
Total Rebate
$0
Federal + provincial
Tax Breakdown
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What you'll need
- ·Purchase price of the new home
- ·Province where the property is located
- ·Whether it's purchased from a builder (new build)
What you'll get
- ✓Federal rebate — Up to $6,300 back on the 5% GST
- ✓Provincial rebate — Up to $24,000 back where applicable
- ✓Combined total — Federal + provincial rebate together
- ✓Phase-out check — Whether your home price still qualifies
How it works
Enter your new home's purchase price and province
GST/HST rates and rebate structures differ between provinces. Ontario (HST 13%) has both federal and provincial rebates. Alberta (GST only) has only the federal rebate.
Confirm it's a newly built home from a builder
The rebate only applies to new construction purchased from a builder, substantially renovated homes, or owner-built new homes. Resale homes are exempt from GST/HST entirely.
See gross tax, federal rebate, provincial rebate, and net tax
The federal rebate phases out between $350K–$450K. Ontario adds up to $24,000 on top. Your builder typically applies these rebates at closing.
GST/HST Rebate by Province: $400,000 New Home
| Province | Tax | Gross Tax | Rebate | Net Tax |
|---|---|---|---|---|
| Ontario (HST 13%) | 13% | $52,000 | $30,300 | $21,700 |
| BC (GST 5%) | 5% | $20,000 | $5,040 | $14,960 |
| Alberta (GST 5%) | 5% | $20,000 | $5,040 | $14,960 |
| Quebec (GST+QST) | 5%+9.975% | $59,900 | $6,620 | $53,280 |
Ontario rebate is capped at homes under $450,000 purchase price. Quebec QST rebate is approximate — contact Revenu Québec for exact amount.
Frequently asked questions
What is the GST/HST new housing rebate in Canada?+
The federal GST new housing rebate provides up to $6,300 back on the 5% GST paid on new home purchases. The rebate equals 36% of the GST on homes up to $350,000 and phases out completely at $450,000. No federal rebate is available on new homes priced over $450,000.
Does Ontario have an additional housing rebate?+
Yes. Ontario offers a new housing rebate on the provincial portion of HST (8%) equal to 75% of the provincial tax, capped at $24,000. This is available on new homes under $450,000. Together with the federal rebate, Ontario buyers of sub-$450K new homes can receive up to $30,300 back.
Do resale homes get the GST/HST new housing rebate?+
No. The new housing rebate applies only to newly constructed homes purchased from a builder, substantially renovated homes, or owner-built homes. Resale homes are generally exempt from GST/HST entirely (sold by individuals) and don't qualify for the rebate.
How do I claim the GST/HST new housing rebate?+
You (or the builder on your behalf) submit Form GST190 to the CRA. Many builders include the rebate in the purchase price and apply for it on your behalf. You have 2 years from the date of possession to claim the rebate independently.
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Back to the calculator ↑GST/HST New Home Rebate Calculator Canada is built and maintained by the RealCostIQ editorial team. Cost ranges and rates are checked against published industry data and contractor quotes, and revised when the underlying figures move. Read our data methodology or more about who builds this. Every calculation runs in your browser — no account, and none of your inputs are stored.
Cost ranges and rates here are checked against contractor quotes and published industry data. If a number still looks off, email Support@RealCostIQ.com and we'll review and fix it.