In short
In Hamilton, 14 verified municipal housing programs are offered, on top of the 49 provincial and federal programs available everywhere in Ontario. The largest: Commercial Districts Housing Opportunities Loan Program, up to $1,000,000; Ontario Renovates Programs, up to $25,000; Emergency Repair Program, up to $5,000.
Municipal programs: Hamilton
| Program | Amount | Status |
|---|---|---|
| Commercial Districts Housing Opportunities Loan ProgramCity of Hamilton — Invest in Hamilton · Municipal | Up to $1,000,000 | Openstatus not shown by the agency |
| Ontario Renovates ProgramsCity of Hamilton — Housing Services Division · Municipal | Up to $25,000 | Openstatus not shown by the agency |
| Emergency Repair ProgramCity of Hamilton — Housing Services Division · Municipal | Up to $5,000 | Openstatus not shown by the agency |
| Lead Water Service Replacement LoanCity of Hamilton — Hamilton Water · Municipal | Up to $3,000 | Openstatus not shown by the agency |
| Protective Plumbing ProgramCity of Hamilton · Municipal | Up to $2,000 | Openstatus not shown by the agency |
| 2026 Rainstorms Compassionate GrantCity of Hamilton · Municipal | Up to $2,000 | Open |
| Seniors (65+) tax rebateCity of Hamilton · Municipal | Up to $241 | Openstatus not shown by the agency |
| Housing AllowancesCity of Hamilton · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Housing Emergency FundCity of Hamilton · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Rent SecureCity of Hamilton · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Deferral of tax increaseCity of Hamilton · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Compassionate appealsCity of Hamilton · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Residential Care Facility Subsidy ProgramCity of Hamilton · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Veteran Homelessness ProgramCity of Hamilton · Municipal | Depends on the project (see the official page) | Openstatus not shown by the agency |
Provincial and federal programs that apply in Hamilton
Buy
| Program | Amount | Status |
|---|---|---|
| Ontario first-time home buyers' (Ontario FTHB) rebateCanada Revenue Agency · Provincial | Up to $80,000 | Openstatus not shown by the agency |
| Home Buyers' Plan (HBP)Canada Revenue Agency · Federal | $60,000 limit | Open |
| GST/HST First-Time Home Buyers' rebateCanada Revenue Agency · Federal | Up to $50,000 | Open |
Renovate
| Program | Amount | Status |
|---|---|---|
| Disaster Recovery Assistance for Ontarians (DRAO)Ontario Ministry of Municipal Affairs and Housing · Provincial | Up to $250,000 | Openstatus not shown by the agency |
| Home accessibility tax credit (line 31285)Canada Revenue Agency · Federal | Credit on $20,000 | Open |
| Veterans Independence Program (VIP)Veterans Affairs Canada · Federal | Up to $13,779.63 | Openstatus not shown by the agency |
All programs: home renovation grants and rebates in Ontario →
Save energy
| Program | Amount | Status |
|---|---|---|
| Home Renovation Savings ProgramEnbridge Gas and Save on Energy (IESO) · Agency | Up to $12,000 | Open |
| Low-income Energy Assistance Program (LEAP)Ontario Energy Board · Provincial | Up to $780 | Openstatus not shown by the agency |
| my Energy RewardsHydro One Networks Inc. · Agency | Up to $100 | Openstatus not shown by the agency |
Adapt the home
| Program | Amount | Status |
|---|---|---|
| Home accessibility tax credit (line 31285)Canada Revenue Agency · Federal | Credit on $20,000 | Open |
| Veterans Independence Program (VIP)Veterans Affairs Canada · Federal | Up to $13,779.63 | Openstatus not shown by the agency |
| Home adaptations – Veterans Independence Program (VIP)Veterans Affairs Canada · Federal | Up to $7,883.78 | Openstatus not shown by the agency |
All programs: home accessibility and seniors programs in Ontario →
Property taxes
| Program | Amount | Status |
|---|---|---|
| Senior Homeowners’ Property Tax GrantGovernment of Ontario · Provincial | Up to $500 | Openstatus not shown by the agency |
| Ontario Trillium BenefitGovernment of Ontario · Provincial | Depends on the project (see the official page) | Openstatus not shown by the agency |
| Heritage property tax reliefGovernment of Ontario · Provincial | Depends on the project (see the official page) | Openstatus not shown by the agency |
Build new
| Program | Amount | Status |
|---|---|---|
| Ontario first-time home buyers' (Ontario FTHB) rebateCanada Revenue Agency · Provincial | Up to $80,000 | Openstatus not shown by the agency |
| Ontario new residential rental property (NRRP) rebate and Ontario enhanced NRRP (ENRRP) rebateCanada Revenue Agency · Provincial | Up to $80,000 | Openstatus not shown by the agency |
| GST/HST First-Time Home Buyers' rebateCanada Revenue Agency · Federal | Up to $50,000 | Open |
All programs: new construction and rental housing programs in Ontario →
Frequently asked questions
What housing programs are offered in Hamilton?
14 verified municipal programs: renovate (6), adapt the home (4), property taxes (3), build new (6). The largest: Commercial Districts Housing Opportunities Loan Program, up to $1,000,000; Ontario Renovates Programs, up to $25,000; Emergency Repair Program, up to $5,000.
What other programs apply to a home in Hamilton?
The 49 provincial and federal programs available everywhere in Ontario. The largest: Disaster Recovery Assistance for Ontarians (DRAO), up to $250,000; Ontario first-time home buyers' (Ontario FTHB) rebate, up to $80,000; Ontario new residential rental property (NRRP) rebate and Ontario enhanced NRRP (ENRRP) rebate, up to $80,000.
Are these programs open right now?
14 programs are open to applications. 2 programs closed recently: Additional Dwelling Unit and Multi-Plex Housing Incentive Program; Full deferral of tax. For 13, the agency says neither open nor closed: the status is inferred from its active page. Statuses checked on each agency's page, most recently on November 7, 2026.
How do I apply?
You apply directly to each program's agency: the link to its official page is in the table. Payotte grants nothing and does not confirm eligibility; the agency's full conditions apply.
How this page is made
Every amount, date and condition was checked on the linked official page within the last 30 days; a program that has not been rechecked is left out. When the agency's page says neither open nor closed, the status is inferred and labelled as such. Payotte grants nothing and does not confirm eligibility: you apply to the agency. General information, not tax advice.