A cold-climate heat pump replaces your air conditioner and takes over much of the heating. We install central and ductless systems in Toronto houses, semis and row homes, and sign the City's HELP forms if you pay with a HELP loan.
*Includes standard installation only. Any extra work your home needs is quoted before we start.
Before HST. A free home assessment confirms the final figure.
📞 Call (647) 677-0037Toronto homeowners can borrow up to $125,000 through the City's Home Energy Loan Program and repay it on the property tax bill, over as long as 20 years when the project includes a heat pump. A heat pump-only project goes ahead without an EnerGuide assessment. You apply to the City and send our quote with your funding request; once the heat pump is in, we complete and sign the City's installation attestation and completion forms so the rest of the funds can be released.
Source: City of Toronto, Home Energy Loan Program (HELP), checked October 26, 2026.
The City sets the rate, terms and eligibility, and they can change. Step-by-step details are on our financing and rebates page.
| Your home | Share of Toronto homes | Usual choice |
|---|---|---|
| Detached or semi-detached house | 29% | Central, using the ducts already there, often paired with the furnace; ductless if it heats with radiators |
| Row house | 5% | Central where there is room outside for the unit, otherwise ductless heads |
| Duplex or low-rise apartment | 18% | Ductless, so each unit controls its own heating and cooling |
| Suite in a tower | 47% | Only where the building allows outdoor units; many rely on the building system |
Source: Statistics Canada, 2021 Census Profile: Toronto, checked October 26, 2026.
Some older Toronto houses still heat with hot-water radiators. A ductless heat pump suits them well: wall heads in the main rooms bring air conditioning the house never had and carry much of the heating in spring and fall, while the radiators stay for the coldest weeks. We size the outdoor unit and the heads from a room-by-room heat loss calculation, not a rule of thumb.
These are Good-level ranges from our instant quote tool, before HST; the Better and Best levels add cost and efficiency.
| Home size | Central (Good) | Ductless (Good) |
|---|---|---|
| Under 1,000 sq ft | $4,500 to $5,800* | $2,800 to $3,600* |
| 1,000 to 1,800 sq ft | $5,500 to $7,000* | $3,500 to $4,500* |
| 1,800 to 2,800 sq ft | $7,000 to $9,000* | $4,500 to $6,000* |
| 2,800 sq ft and up | $9,000 to $12,000* | $5,500 to $7,500* |
*Includes standard installation only. Any extra work your home needs is quoted before we start.
See Better and Best ranges on our heat pump and ductless mini-split pages.
58% of Toronto homes were built in 1980 or earlier, and some still run on small or crowded electrical panels. Heat pumps run on a dedicated 240-volt circuit. We look at the panel during the free assessment; if it needs an upgrade, a licensed electrical contractor does that work under an Electrical Safety Authority permit, and you see the cost before you approve anything.
Source: Statistics Canada, 2021 Census Profile: Toronto, checked October 26, 2026.
| Option | Price |
|---|---|
| Central heat pump, smaller home | From $4,500* |
| Ductless heat pump, one room | From $2,800* |
| Central heat pump rental | $54.95 a month, $0 upfront* |
| Heat pump repair, any brand | $400 to $1,200 |
| Central AC only | From $4,000* |
*Includes standard installation only. Any extra work your home needs is quoted before we start.
Toronto and Brampton share one price list, before HST. Your price depends on the model, the ducts or rooms involved and any electrical work, and we confirm it at a free assessment.
If your furnace is sound but the air conditioner is due, a hybrid system is the natural next step: the heat pump cools in summer and heats through the mild months, and the gas furnace takes over in deep cold. You keep a backup heat source, and the furnace runs far fewer hours each year.
A heat pump defrosts its outdoor coil several times on a cold day and sheds the meltwater underneath. It needs to sit above the snow line on a stand or wall bracket, away from walkways and steps where that water could freeze. On a narrow Toronto lot, that often decides between the side yard and the back. In a condo townhouse, the corporation's approval comes first.
They do. Our cold-climate equipment keeps producing heat far below 0°C, with high-efficiency models rated down to -25°C. When a deep cold snap arrives, a hybrid setup lets the gas furnace take over by itself, while an all-electric setup brings in its backup heater.
Ottawa's National Heat Pump Rebate pays $2,000 for most households and up to $10,000 for those below the income line, on qualifying heat pumps put in from November 1, 2026, with applications opening in early 2027. The City of Toronto says its HELP loan can be combined with federal rebates, so the loan can spread the rest over your property tax bill. See the rebate rules and our rental plans.
Still deciding between a heat pump, central air and a new furnace? Our Toronto HVAC page lists them all.