Renovation · Seniors and accessibility · 2026 grants
Staying home costs less than moving when programs pay for the ramp, the bathroom or the parent's unit. Here are the four grants, their 2026 amounts and the conditions that exclude.
Four grants finance adapting or restoring a home in 2026. The Société d'habitation du Québec's Programme d'adaptation de domicile pays up to $50,000 to adapt the home of a person with a disability (stairlift, ramp, bathroom, doors), with $10,000 more per additional eligible person; registrations, suspended for lack of budget, reopened August 12, 2026, with two options (professional support or self-determined work). The federal Home Accessibility Tax Credit lets you claim up to $20,000 of expenses a year (14% credit in 2026, or $2,800) for those 65 and over and people eligible for the disability tax credit. The Multigenerational Home Renovation Tax Credit refunds 14% of $50,000 of expenses ($7,000 in 2026) to create a complete secondary unit for a parent aged 65 and over or an adult with a disability. RénoRégion, outside the five large agglomerations, covers 95% of major repairs for a modest-income owner, up to $20,000 or $25,000, on a house assessed at $150,000 or less.
Run by the Société d'habitation du Québec and delivered by municipalities and MRCs, the PAD pays for work that lets a person with a disability enter and leave their home, reach the essential rooms and carry out daily activities safely: ramp or lift platform, stairlift, adapted bathroom, widened doors, adapted kitchen. The maximum aid rose from $16,000 to $50,000 for the first eligible person, with $10,000 more per additional eligible person in the same household. Conditions: be a Canadian citizen or permanent resident, have a significant and persistent disability attested by an occupational therapist, and not have received the PAD in the last five years; owners and tenants (with the owner's consent) are eligible. Registrations, suspended in early 2026 for lack of budget, reopened August 12, 2026 with a $30 million budget for 2026-2027; two options exist: professional support (mandated occupational therapist and inspector) or self-determined needs and work, with different maximums. Register with your municipality or MRC: the waiting list is counted in months.
An individual aged 65 or over at year end, or eligible for the disability tax credit, can claim up to $20,000 of eligible expenses a year for enduring renovations that let them access the home, move within it or reduce the risk of injury: ramps, grab bars, accessible shower, stairlift, widened doors. The credit is calculated at the lowest federal rate: 15% until 2024, 14.5% for 2025, 14% for 2026, or up to $2,800 on $20,000 of expenses in 2026. The same expense can also be claimed as a medical expense if it qualifies. A caregiver housing the person can claim the credit for the eligible dwelling.
This refundable federal credit refunds 14% (2026) of up to $50,000 of expenses, or $7,000 at most ($7,250 at 14.5% for 2025), to create a self-contained secondary unit, with a private entrance, kitchen, bathroom and sleeping area, in which a parent aged 65 or over or an adult eligible for the disability tax credit will live with a qualifying relative. One credit per qualifying person in their lifetime; from 2026, expenses claimed as medical expenses can no longer also be claimed for this credit. At resale, a compliant secondary unit sells as income or intergenerational space; an unpermitted conversion shows up at inspection.
For a modest-income owner-occupant in a municipality of fewer than 15,000 people (or in Gaspésie-Îles-de-la-Madeleine), RénoRégion covers 95% of the recognized cost of repairs correcting a major defect (exterior walls, openings, projections, roof, structure, electrical, plumbing, heating, insulation), up to $20,000, or $25,000 when household income is below the applicable threshold. Conditions: at least $3,500 of work, standardized value of the house $150,000 or less, household income at most $12,000 above the region's income threshold, no RénoRégion or Rénovation Québec in the last five years; the agglomerations of Montreal, Quebec City, Laval, Longueuil and Gatineau are excluded. The application goes through the municipality or MRC, with inspection, quotes from licensed contractors, an authorization certificate and work within twelve months.
| Aid | 2026 maximum | For whom | Where to apply |
|---|---|---|---|
| Programme d'adaptation de domicile | $50,000 (+ $10,000 per additional person) | Person with a disability, owner or tenant | Municipality or MRC (SHQ) |
| Home Accessibility Tax Credit | $20,000 of expenses a year, $2,800 credit | 65 and over or disability tax credit | Federal return, line 31285 |
| Multigenerational Home Renovation Tax Credit | $50,000 of expenses, $7,000 credit | Secondary unit for a parent 65 and over or adult with a disability | Federal return, Schedule 12 |
| RénoRégion | $20,000 or $25,000 (95% of costs) | Modest-income owner-occupant, municipality under 15,000 people | Municipality or MRC (SHQ) |
Yes, since August 12, 2026, after a suspension early in the year. The maximum is $50,000 for the first eligible person and $10,000 more per additional person.
The federal Home Accessibility Tax Credit: up to $20,000 of expenses a year, 14% credit in 2026 ($2,800), for those 65 and over or eligible for the disability tax credit.
Up to $7,000 in 2026 (14% of $50,000) with the federal Multigenerational Home Renovation Tax Credit, if the unit is self-contained and a parent aged 65 or over lives there with you.
Only in municipalities of fewer than 15,000 people outside the Longueuil agglomeration; Brossard, Longueuil or Saint-Lambert are excluded.
These programs can be combined on separate work. Our guide to renovation grants in 2026 puts them in one table; to know whether renovating before selling pays, see renovating before selling.
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Also available in French: version française de ce guide.
Published September 7, 2026 by the Loaa & Manseur team, the number 1 team at RE/MAX Platine in 2024 and 2025, 6th RE/MAX team in Quebec, 15th in Canada and in the global top 50 according to the official RE/MAX ranking. Tell us about your project.
Équipe no 1 de RE/MAX Platine en 2024 et en 2025, 6e au Québec, 15e au Canada et dans le top 50 mondial au classement officiel RE/MAX. Réponse en moins de 24 heures, sept jours sur sept.