Rebate programs in this region sit across provincial, utility, municipal and regional websites, and almost none of them point to each other. Most homeowners are leaving money unclaimed simply because they never found the right page.

The first question is not simply "What are you installing?" It is also "Where do you live, and how is your home heated now?" A Courtenay homeowner may qualify for a different local incentive than someone in a CVRD electoral area, while Campbell River has its own water-conservation rebates. Provincial energy programs generally apply throughout the region, but the rebate level and rules vary.

Heat Pumps and Heating-System Changes

For households at any income level, the Home Renovation Rebate Program currently offers up to $4,000 for replacing electric heating with a heat pump, plus up to $2,000 for windows and doors, $5,500 for insulation, and $1,000 for a heat-pump water heater.

Lower- and moderate-income households should check the income-tested Energy Savings Program before hiring a contractor. It uses three income tiers, can offer substantially larger rebates, and requires pre-registration before work begins. Once the installer's invoice is dated, that door closes.

Wood-Stove Replacement in the Comox Valley

The CVRD Wood Smoke Reduction Program offers up to $2,000 for eligible residents who remove a functioning wood-burning appliance, at least five years old and used as the home's main heat source, and replace it with an electric heat pump.

It covers Courtenay, Comox, Cumberland, K'omoks First Nation, CVRD Electoral Areas A, B and C, and Hornby and Denman Islands. Not income-tested, first come first served.

Campbell River and Septic Rebates

Campbell River currently offers $50 for an eligible high-efficiency toilet and $50 each for an eligible ENERGY STAR washer and dishwasher. Note that the City's $350 heat-pump top-up expired March 31, 2026, and is no longer active.

In the CVRD, Electoral Areas A, B and C also have access to a septic-system maintenance rebate of up to $700, one-time, for eligible inspection and component work.

Mortgage-Insurance Premium Refunds

This one surprises most homeowners: if your mortgage was insured through CMHC, Sagen, or Canada Guaranty, you may qualify for a 25 percent refund of the mortgage-insurance premium on qualifying energy-efficient work.

CMHC Eco Improvement applies to existing homes with at least $20,000 in eligible renovations, applied for within two years of closing. These refunds are separate from the municipal and utility rebates above, and in many cases can be claimed alongside them.

Verified July 31, 2026. Rebate rules and funding can change without notice. Confirm eligibility directly with the program administrator before ordering equipment or beginning work.

Want the Full Reference Sheet?

I keep a full, verified reference sheet with every program, income threshold, and official link for this region. If you're planning a renovation and want to know exactly what you qualify for before you sign a contract, reach out and I'll send it over.

— Catherine Worthy

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