Government & utility home programs for Winnipeg homeowners (2026)

A registered account for first-time buyers: contributions are tax-deductible and qualifying withdrawals to buy a first home are tax-free. Contribute up to $8,000 a year, $40,000 in total. Can be combined with the Home Buyers’ Plan.

Withdraw up to $60,000 from your RRSP ($120,000 per couple) tax-free toward a first home. Funds must sit in the RRSP for 90 days first, and you repay over 15 years starting the second year after you withdraw.

A federal tax credit on a $10,000 home buyers’ amount — worth up to $1,500 back. Claimed on your tax return (line 31270) the year you buy.

Removes the 5% GST on a newly built or substantially renovated home up to $1 million for first-time buyers, phasing down to $1.5 million — up to $50,000 off. Applies to builder agreements signed on or after March 20, 2025. Most resale homes are already GST-exempt.

CMHC mortgage insurance that lets qualified first-time and new-build buyers purchase with as little as 5% down and amortize over 30 years. Arranged through your lender, not applied for directly.

Cash back on added attic, wall, and foundation insulation, based on the R-value and area you add. Pre-approval is required before you buy materials. Generally for homes built before 1999 with an active Hydro account.

$100 back per ENERGY STAR triple-pane window or door replacing an existing one (up to $300 each under income-based or Indigenous offers). Apply within 90 days of installation.

$2,000 for a centrally ducted cold-climate heat pump, or $1,500 for a ductless one. Combinable with Manitoba Hydro's on-bill loan. Must be installed by a registered contractor.

Upgrade a natural-gas furnace with no upfront cost via on-bill payments (about $9.50–$25/month for 5 years), or get up to a $5,000 rebate on a high-efficiency boiler. Verify current terms with Efficiency Manitoba.

On-bill financing for energy upgrades — insulation, windows/doors, heat pumps, furnaces, and more — at 6.20% fixed for the first 5 years. Up to $12,500 per home, repaid right on your Hydro bill, with no down payment.

The full menu of Manitoba Hydro on-bill financing options in one place — handy if you're planning several upgrades at once.

Geothermal heating with no upfront cost for qualifying homeowners: a large incentive plus interest-free on-bill financing repaid over 15 years. Larger projects may need an upfront contribution.

A refundable provincial credit for eligible green heating: up to about 15% on geothermal systems (installed by a certified installer) and 10% on solar thermal.

For income-qualified households: a free home energy assessment, free insulation, a free smart thermostat, LEDs and air-sealing, enhanced heating offers, and a higher $300/unit windows rebate — installed at no upfront cost. 2026 income limits run from $46,264 (1 person) to $122,432 (7+).

Federally funded, delivered in Manitoba by Efficiency Manitoba: free direct-install retrofits (insulation, air sealing, heat pumps) for low- and median-income households. Confirm intake status before counting on it.

Up to $10,000–$20,000 plus a $250 payment to switch from oil heat to an electric heat pump — niche in Winnipeg, but relevant for some older or rural oil-heated homes.

A forgivable loan for emergency repairs and renovations for Red River Métis families — up to $18,000 in southern Manitoba ($25,000 north of the 53rd parallel). Income and eligibility limits apply; demand is high.

Enhanced, often free, upgrades through Efficiency Manitoba for qualifying Red River Métis citizens and First Nation members — including heat pumps and the higher $300/unit windows rebate.

Funding for essential safety adaptations — grab bars, walk-in tubs, zero-threshold showers, wider doorways — up to $5,000 every 3 years ($6,500 rural), to a $15,000 lifetime maximum. For Manitobans 65+ with net household income under $60,000.

A 15% credit on up to $20,000 a year of accessibility renovations — up to $3,000 back — for seniors (65+) or people eligible for the Disability Tax Credit.

A refundable credit worth 15% of up to $50,000 — up to $7,500 — for building a self-contained secondary suite so a senior or disabled relative can live with family.

A federal credit (about $1,521 in 2026, more for those under 18) for a severe, prolonged impairment. Approval is also the gateway to the HATC, MHRTC, and other supports — and can be claimed up to 10 years back.

A refundable $1,400-a-year Manitoba credit for an unpaid caregiver helping someone stay in their home rather than move to facility care.

Manitoba school-tax relief on your principal residence — the lesser of $1,600 or your 2026 school taxes (rising to $1,700 in 2027). Usually applied automatically on your property tax statement; it replaced the old Education Property Tax Credit.

The City tests your tap water for lead at no cost (especially worthwhile for homes built before the mid-1950s) and treats the water supply to reduce lead. Results are published online.

The City replaces its public-side portion of a lead pipe for free during water-main work; you pay for the private side, but doing both at once saves on excavation. No homeowner rebate is offered.

Trees Winnipeg sells low-cost trees for your own property each spring and fall — a cheap way to add shade and value. (Not for City boulevards.)

A credit on sewer charges for metered water that never enters the sewer (over 1,000 kL a year). Mostly relevant to high-volume users, rarely typical households.