Home Renovation Tax Credit Ontario 2026

Ontario Home Renovation Tax Credits: Complete 2026 Guide

Ontario homeowners undertaking renovations have access to both provincial and federal tax credits that can reduce after-tax renovation costs significantly. Understanding which credits apply to your project — and how to stack them — can mean thousands of dollars back at tax time.

Ontario Seniors' Home Safety Tax Credit

The Ontario Seniors' Home Safety Tax Credit is a refundable provincial tax credit for eligible seniors (age 65+) or those whose family member is 65+. The credit is 25% of eligible home renovation expenses, up to $100 of expenses, for a maximum annual credit of $2,500. It's refundable — meaning you receive it even if you have no tax owing.

Eligible renovations: Grab bars in bathrooms, wheelchair ramps, walk-in showers, handrails, stairlifts, motion-sensor lighting, non-slip flooring, smart home systems for safety, widened doorways, and similar accessibility and safety improvements.

Federal Home Accessibility Tax Credit (HATC)

The federal HATC provides a non-refundable 15% credit on up to $20,000 of eligible accessibility renovation expenses per year — for a maximum federal tax reduction of $3,000. Eligible claimants include those who are 65+, qualify for the Disability Tax Credit, or who are making their home accessible for a qualifying family member who lives there.

Federal Multigenerational Home Renovation Tax Credit (MHRTC)

New as of the 2023 tax year, the MHRTC provides a 15% federal tax credit on up to $50,000 of eligible construction/renovation expenses to create a secondary suite for a qualifying individual (senior 65+ or eligible adult with a disability). Maximum credit: $7,500. The suite must be a self-contained unit with its own kitchen, bathroom, and living space within the primary residence. The credit is claimed once per qualifying renovation.

Stacking Credits: Can You Claim Multiple?

Yes — in many cases. An Ontario senior building an accessible secondary suite for an elderly parent could potentially claim: the Ontario Seniors' Home Safety Tax Credit (25% on $100 = $2,500), the federal HATC (15% on $20,000 = $3,000), and the federal MHRTC (15% on $50,000 = $7,500). Total combined credits: up to $13,000. Consult a tax professional to confirm eligibility for your specific project.