First home buyers
First home buyer grants & concessions by state
Every Australian state and territory offers help for first home buyers — a First Home Owner Grant (FHOG) for new homes, and stamp duty exemptions or concessions. Here's an at-a-glance guide.
Indicative only, as at June 2026. Grant amounts, value caps and eligibility change with every state budget and often have new-vs-established and price conditions. Always confirm the current rules with the official state revenue office (linked in each row) before relying on these figures. This is general information, not financial advice.
| State | First Home Owner Grant | Stamp duty (indicative) | Official source |
|---|---|---|---|
| NSW | $10,000 (new homes) | Full stamp duty exemption up to $800k; concession to $1m | Revenue office → |
| VIC | $10,000 (new homes) | Full exemption up to $600k; concession to $750k | Revenue office → |
| QLD | $30,000 (new homes, time-limited boost) | First-home concession up to ~$700k, partial above | Revenue office → |
| WA | $10,000 (new homes) | Full exemption up to $430k; concession to $530k | Revenue office → |
| SA | $15,000 (new homes) | Stamp duty relief for eligible first-home new builds | Revenue office → |
| TAS | $10,000 (new homes) | 50% concession on established homes (value cap applies) | Revenue office → |
| ACT | No flat grant — income-tested Home Buyer Concession Scheme | Stamp duty reduced/eliminated under income thresholds | Revenue office → |
| NT | $10,000 (new homes) + Territory schemes | Concessions for first-home buyers (check current rules) | Revenue office → |
Stamp duty calculator
Toggle “first home buyer” to see your concession by state.
Borrowing power calculator
Estimate how much you can borrow for your first home.
Also see the federal Home Guarantee Scheme (low-deposit, no LMI for eligible first home buyers) and the First Home Super Saver Scheme.