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First-Time Home Buyer GST/HST Rebate Calculator
Estimate potential first-time home buyer GST/HST rebates for qualifying new or substantially renovated Canadian homes.
Advanced mode reveals editable assumptions. Values remain unchanged when modes switch.
Property or project
Costs
Rebates and taxes
The calculator does not infer missing legal facts. Quebec GST applications are administered through Revenu Québec.
What is the first-time home buyer GST/HST rebate?
Check potential federal, Ontario and Nova Scotia new-home rebates using effective-dated rules. The rules check selects applicable federal and supported provincial rebate rules for the entered province and dates, converts tax-included prices, evaluates the facts you provide, and subtracts any builder credit. The result separates potential rebates, tax before and after rebate, and the amount that may be claimable directly.
With the values entered, the calculator estimates combined potential rebate of $117,000. This scenario uses province or territory set to Ontario, purchase or construction type set to Purchase from builder, purchase price or fair market value of $900,000, and entered amount includes GST/HST set to No, tax is extra. The supporting results show potential federal rebate of $45,000 and potential Ontario provincial rebate of $72,000, which makes the main drivers easier to compare. likely eligible Read the eligibility status and reasons before the dollar total. A potential combined rebate is not guaranteed until CRA, the province, builder, and your documents confirm the home, dates, residency, first-time status, and claim route.
Formula or decision method
First-Time Home Buyer GST/HST Rebate Calculator decision method
The rules check selects applicable federal and supported provincial rebate rules for the entered province and dates, converts tax-included prices, evaluates the facts you provide, and subtracts any builder credit. The result separates potential rebates, tax before and after rebate, and the amount that may be claimable directly.
Data provenance
The model combines the values entered above with CRA First-time home buyers GST/HST rebate, CRA Guide RC4028, Ontario first-time buyer HST relief, CRA Ontario enhanced new housing rebate, Nova Scotia First-Time Home Buyers Rebate. Source dates and geographic treatment appear with the calculator, while personal balances, prices, rates, dates, and household facts still need to come from current statements, quotes, or official records.
Sensitivity test
| Input | Calculated result |
|---|---|
| Purchase price or fair market value: $810,000 | $105,300 |
| Purchase price or fair market value: $900,000 | $117,000 |
| Purchase price or fair market value: $990,000 | $128,700 |
Methodology
The rules engine selects federal and supported provincial rules from the entered province and dates, converts tax-included prices, checks known eligibility facts, then subtracts builder credits.
Official sources
Last reviewed 2026-07-15.
CRA First-time home buyers GST/HST rebate
Canada · automatic · verified 2026-07-15
CRA Guide RC4028
Canada · automatic · verified 2026-07-15
Ontario first-time buyer HST relief
Ontario · automatic · verified 2026-07-15
CRA Ontario enhanced new housing rebate
Ontario · automatic · verified 2026-07-15
Nova Scotia First-Time Home Buyers Rebate
Nova Scotia · automatic · verified 2026-07-15
Frequently asked questions
Is this GST/HST rebate estimate a quote?
No. It is a planning estimate. Replace defaults with written quotes and current bills before committing money.
Are rebates included automatically?
No. Only confirmed amounts you enter are deducted. Potential programs remain informational until eligibility is verified.
What does payback mean?
Payback is the first period when cumulative estimated benefits equal or exceed the selected net cost.
Why can the result show no payback?
Some projects do not recover their lifecycle cost within the selected ownership horizon. The calculator reports that directly.
Can I use contractor or utility numbers?
Yes. Advanced mode is designed for current quotes, equipment specifications, utility rates, and financing terms.
Current federal rules
Eligible first-time buyers may recover up to $50,000 of federal GST or HST on qualifying homes up to $1 million, with a linear phase-out to $1.5 million.
Ontario relief
The $24,000 Ontario rebate remains the floor for higher-priced qualifying homes, while enhanced schedules can provide the full 8% provincial portion or up to $80,000 depending on agreement date and home value.
Disclaimer
Tax estimate only. Eligibility depends on facts, dates and current law. Verify the result with CRA, the province, builder and a qualified tax professional.
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Page details
Author: Thomas Tremblay
Updated: July 15, 2026
Cite: Canooq.ca, First-Time Home Buyer GST/HST Rebate Calculator
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