Home Owner Grant for People With Disabilities

The home owner grant reduces the amount of property taxes you pay each year on your principal residence.

If you’re a person with a disability, or you live with a relative who has a disability, and you meet certain requirements, you may be eligible for a higher grant amount.

Find out:

Do I Qualify?

To qualify for the grant you must meet the following requirements:

  1. You’re designated as a person with disabilities and you receive provincial disability assistance, hardship assistance or a supplement under the Employment and Assistance for Persons with Disabilities Act

    Note: Qualifying for other assistance programs, like the Canadian Pension Plan (CPP) disability benefit, doesn't automatically qualify you for the home owner grant for people with disabilities.

    Or
     
  2. You’re permanently disabled or have a permanently disabled spouse or relative living with you in your principal residence and, for the person with disabilities to manage normal daily functioning, you:
  • Pay more than $150 per month for physical assistance in your principal residence, or
  • Have spent more than $2,000 for structural modifications to your principal residence, or
  • Purchased your principal residence with existing structural modifications made by a previous owner that meet the needs of the person with disabilities and have a value of more than $2,000

Note: If a government agency or insurance company covers the costs of your physical assistance or structural modifications, you won’t qualify for the home owner grant for people with disabilities.

Your Principal Residence

For the purpose of claiming the home owner grant, you can have only one principal residence.

If you own more than one home, you can't designate which one is your principal residence.

Your principal residence is the usual place that you make your home. It’s where you live and conduct your daily affairs, like paying bills and receiving mail, and it’s generally the residence used in your government records for things like your income tax, Medical Services Plan, driver's licence and vehicle registration.

To qualify for the home owner grant, your principal residence must be taxed as an improvement.

You must occupy your principal residence when you apply for the home owner grant. However, if you meet certain requirements you may still be able to apply for the grant if you:

Your Grant Amount

Home owner grant amounts are determined based on:

Your Property’s Value & Location

If your property has an assessed or partitioned value of $1,200,000 or less, the home owner grant may reduce your taxes up to $845 or, if it’s located in a northern and rural area, up to $1,045.

If you meet all requirements but your property’s assessed or partitioned value is over $1,200,000, you may qualify for the grant at a reduced amount.

The grant is reduced by $5 for each $1,000 of assessed value over $1,200,000. This means the grant isn’t available for properties assessed over $1,369,000 ($1,409,000 in a northern and rural area).

If you own a property with an assessed value of more than $1,200,000 and have an adjusted net income of $32,000 or less, you may qualify for a low income grant supplement for people with disabilities.

You must apply for the home owner grant and the low income grant supplement separately.

If your property has an assessed value of more than $1,369,000 ($1,409,000 in a northern and rural area), then you aren’t eligible for a home owner grant. You may still qualify for a low income grant supplement, even though you aren’t receiving the home owner grant, and can apply for the supplement on its own.

Partitioned Value

Partitioning your property value may enable you to claim the home owner grant if:

  • You previously couldn’t, or could only claim a reduced grant, because of the high assessed value of your property, and
  • Your property consists of your principal residence and at least one separate residence

You may apply to have the assessed value of your property partitioned using the Home Owner Grant Partitioning of Assessed Value Calculation (FIN 91) (PDF).

The partitioned value of a property is the property’s assessed value divided by the number of residences on that property. To qualify, each residence must have cooking, sleeping, bathroom and living room facilities. Multi-family dwellings like a duplex, triplex and fourplex qualify as separate residences. A suite in your principal residence doesn’t qualify as a separate residence.

Effective for the 2016 tax year, a laneway home may qualify as a separate residence.

Your Property Taxes

Homeowners with a disability or living with a person with a disability must pay at least $100 in property taxes before claiming the home owner grant to help fund services such as road maintenance and police protection.

If you purchased your property during the current tax year, you may be eligible for the home owner grant if you meet the following requirements:

  • The previous owner didn’t pay all of the property taxes
  • The previous owner didn’t claim the grant
  • You didn’t receive a grant this year for another home
  • You’re occupying the property when you apply for the grant

The home owner grant that you’re eligible to claim will be applied against only the property taxes that the previous owner didn’t pay.

Apply

You must apply for the home owner grant each year to receive it. Only one grant can be claimed for a property each year.

When you apply as a person with disabilities, you must attach certain documents, depending on how you qualify:

  1. If you receive disability assistance, hardship assistance or a supplement under the Employment and Assistance for Persons with Disabilities Act, attach a completed Consent for Release of Information (FIN 81) (PDF).

    Or
     
  2. If you’re permanently disabled but don’t receive provincial assistance, or you live with a spouse or relative who is permanently disabled, and you’ve incurred costs for physical assistance or structural modifications, attach a Form B - Certificate of Physician and Property Owner (FIN 74) (PDF), completed and signed by you and a medical practitioner or nurse practitioner. Include photocopies of receipts supporting the costs incurred as identified in section B(i) and (ii) of the form. You need to provide this completed form only the first year you apply. If you move, you’ll need to re-qualify.

Find out when and how to apply for the home owner grant.

Claim Last Year's Grant

If you qualified for the grant last year and didn’t apply, you may be able to claim the grant retroactively.

You can’t claim the grant retroactively if this is your first time using Form B for claiming the grant as a person with disabilities.

Are You 65 or Older?

If you’re 65 or older in the current year, you can apply as a senior.

When you apply as a senior, you don’t need to provide documents showing that you are permanently disabled.

Low Income Grant Supplement

If you own a property with an assessed value of more than $1,200,000 and you have a low adjusted net income, you may qualify for a low income grant supplement for people with disabilities.
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