New builds · updated September 2026

HST Rebate Calculator

Builders in Waterloo Region now advertise new-build prices with the full HST rebate already taken off. So the number on the listing is the net price, if you qualify. This shows what's baked into that price, and what it becomes if you don't.

Your numbers

The price on the listing or the builder's sheet, rebate already applied.

$
$200K $999K
HST rebate already in this price
$0

warning What you'd pay if you don't qualify
Not a first-time buyer, but it's your home You keep the regular Ontario new housing rebate (and the federal GST rebate on homes under $450K)
$0
Investment or not your primary residence Full 13% HST on top of the advertised price
$0
Full price with 13% HST, no rebates
Advertised price × 1.13
$0
Ontario HST New Housing Rebate
Provincial portion, up to $24,000
−$0
Federal GST New Housing Rebate
Phases out between $350K and $450K
−$0
First-Time Home Buyer HST Rebate
The rest of the 13%, first-time buyers only
−$0
Advertised price (what you pay if you qualify)
All three rebates assigned to the builder
$0
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How this works now

The advertised price is the net price. Builders take the full HST rebate off before they list, so there's no separate cheque to count on later. The price you see is the price you pay, as long as you qualify.

You have to qualify and assign the rebate to the builder at closing. If you don't, the builder adds the rebate amount back onto the price. That's the number in the amber box above, and it's the one to check before you sign anything.

Confirm eligibility first. The first-time buyer definition, primary residence requirement, and the $1 million cap all matter. Your lawyer confirms the paperwork, and I'll walk you through it before you write an offer.

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Who qualifies

Generally: a first-time buyer, buying a new build under $1 million as a primary residence. The definition of "first-time" and the paperwork are specific, so bring your situation to the consult.

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Assigned at closing

You don't file for the rebate yourself. The purchase agreement has you assign it to the builder, which is how they can advertise the net price. Your lawyer handles the forms.

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Real-world impact

On a $650,000 advertised price, about $84,500 of HST is already gone. A buyer who doesn't qualify as first-time but will live there pays around $710,500. An investor pays the full $734,500.

Thinking about a new build?

Book a free consult and we'll confirm whether you qualify, which builders in Kitchener-Waterloo are worth looking at right now, and what the real all-in number is.

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For information only. Not tax, legal, or financial advice. Rebate rules, thresholds and eligibility can change; confirm your situation with your lawyer and the builder before you sign. Figures assume the builder has applied the full HST rebate to the advertised price.