Toronto, ON · Q3 2026
Whole home renovation cost in Toronto
Paint, floors, lighting, and light kitchen and bath updates. The figures below are modelled for Toronto, ON using our 1.15× regional cost multiplier, on a detached home built 1960-1989 at a mid-range finish.
Typical planning budget
$45,450 to $73,550
Typical $54,800 · includes 14% contingency
Before contingency
Why Toronto differs
Toronto prices about 15% above Ottawa, which is the baseline our regional model is anchored to.
- Regional multiplier
- 1.15×
- Versus Ottawa
- +15%
- Province
- Ontario
- Sales tax on services
- HST (13%)
Regional multipliers are anchored to Ottawa at 1.00 and scaled using Statistics Canada's Residential Renovation Price Index and Building Construction Price Index movements by census metropolitan area, then cross-checked against published contractor rate ranges. They are planning-level adjustments, not surveyed local quotes.
Areas this covers
Toronto, ON is modelled as a single labour market, so these municipalities share the same cost multiplier:
- Toronto
- North York
- Scarborough
- Etobicoke
Somewhere else in Ontario? Compare every Ontario region.
Cost by finish level in Toronto
Finish level moves the number more than almost anything else you control. All three rows use the same Toronto multiplier and the same scope.
| Finish | Low | Typical | High |
|---|---|---|---|
| BudgetStock materials, simple details, value fixtures | $33,000 | $39,750 | $53,100 |
| Mid-rangeCommon homeowner choice: durable materials, better fixtures | $45,450 | $54,800 | $73,550 |
| PremiumHigh-end materials, custom detailing, designer fixtures | $66,400 | $79,950 | $107,200 |
Cost by size in Toronto
Typical all-in planning budgets at three representative sizes, mid-range finish.
| Size | Low | Typical | High |
|---|---|---|---|
| 1,200 sq ft | $36,200 | $43,600 | $58,600 |
| 1,800 sq ft | $45,450 | $54,800 | $73,550 |
| 2,600 sq ft | $57,850 | $69,600 | $93,400 |
Where the money goes
The $54,800 typical figure for Toronto, broken into the lines a contractor quote should also separate.
| Category | Low | Typical | High |
|---|---|---|---|
| Materials | $17,600 | $21,200 | $28,500 |
| Labour | $17,800 | $21,500 | $28,800 |
| Demolition and disposal | $2,550 | $3,050 | $4,100 |
| Permit and design allowance | $1,900 | $2,300 | $3,100 |
| Subtotal | $39,850 | $48,050 | $64,500 |
| Contingency (14%) | $5,600 | $6,750 | $9,050 |
| Total planning budget | $45,450 | $54,800 | $73,550 |
Compared with the rest of Ontario
Same project, same scope and finish, priced against every other Ontario region we model.
| Region | Multiplier | Typical | vs Toronto |
|---|---|---|---|
| Toronto (this page) | 1.15× | $54,800 | — |
| GTA (outside Toronto) | 1.10× | $52,400 | -4% |
| Hamilton and Niagara | 1.05× | $50,050 | -9% |
| Ottawa | 1.00× | $47,700 | -13% |
| London and southwestern Ontario | 0.98× | $46,700 | -15% |
| Northern Ontario | 0.97× | $46,250 | -16% |
| Other Ontario | 0.95× | $45,200 | -18% |
Permits in Ontario
Building permits are issued by your municipality under the Ontario Building Code. Requirements and fees differ from one city to the next.
Commonly triggered by this project
- New electrical circuits. Electrical work in Ontario is governed by the Electrical Safety Authority (ESA). A notification, permit, or licensed electrician is normally required.
Hiring in Ontario
Ontario does not license general contractors or renovators. Anyone can advertise renovation work, so the paperwork you check matters more than any claimed credential.
Trades that must be certified
- Electrical: Only a licensed electrical contractor may do electrical work for hire. The licence number starts with ECRA/ESA and is searchable.
- Gas and propane: Gas lines, furnaces, fireplaces, and water heaters must be handled by a TSSA-certified gas technician.
- Plumbing: Plumbing is a compulsory trade in Ontario. Ask for a Certificate of Qualification from Skilled Trades Ontario.
- New homes and substantial additions: Building or selling a new home in Ontario requires an HCRA licence. Ordinary renovations do not.
Costs people forget on this project
Included as allowances above. Check any quote covers them too.
- Drywall repair and skim coating on older walls
- Trim and door adjustments after new flooring
- Electrical corrections found when replacing fixtures
- Painting preparation on unprimed or damaged surfaces
- Multiple disposal bins across phases
- Temporary accommodation or storage
Typical schedule: 4 to 10 weeks depending on how much is done at once.
Questions homeowners ask
- Is it cheaper to refresh everything at once?
- Usually yes. Doing paint, flooring, and trim in one mobilization avoids repeated setup, protection, and disposal costs, and reduces the risk of mismatched finishes.
- Should I refresh before selling?
- Paint, flooring, and lighting tend to be the lowest-cost updates that affect how a home shows. Compare the cost against the transaction costs in the Renovate vs. Move calculator.