First Home Buyer Grant Calculator
See your First Home Owner Grant and stamp duty concession eligibility by state for 2026, with new-vs-established rules and price caps.
Your Purchase
FHOG $30,000 for new homes < $750k (→ $15k for contracts from 1 Jul 2026). Duty: nil ≤ $700k, partial to $800k.
The contract price of the home you're buying or building.
Results
First Home Owner Grant
Eligible for the first home owner grant.
Stamp Duty Concession
Full stamp duty exemption — no transfer duty payable.
You may be entitled to a $30,000 grant in Queensland, plus a full stamp duty exemption. Eligibility also depends on residency, occupancy and never having owned a home before.
Several boosts are time-limited: QLD's $30,000 grant reverts to $15,000 and Tasmania's drops to $20,000 from 1 July 2026, and Tasmania's established-home duty exemption closes 30 June 2026. Always confirm with your state revenue office before signing.
The ACT scheme is income-tested and the NT grant is for new homes only; this tool shows headline eligibility, not the exact dollar duty saving (which depends on the full duty scale for each state). Use a stamp-duty calculator alongside this for the precise saving.
Indicative eligibility based on First Home Owner Grant and stamp duty concession rules in force as at June 2026, for a single individual first home buyer. Several boosts are time-limited (QLD and TAS grants step down 1 July 2026; TAS established-home exemption ends 30 June 2026). It shows headline eligibility, not the exact dollar duty saving, and excludes income tests and other conditions. Confirm with your state revenue office.
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Frequently asked questions
How much is the First Home Owner Grant in 2026?
It varies by state: NSW, VIC and WA pay $10,000, SA pays $15,000, and QLD and TAS pay a boosted $30,000 (both stepping down from 1 July 2026 — QLD to $15,000, TAS to $20,000). The NT pays a $50,000 HomeGrown Territory grant. The ACT has no cash grant and instead offers an income-tested stamp duty concession. Most grants apply only to new or newly built homes.
Do I have to buy a new home to get the grant?
In almost every state the First Home Owner Grant is restricted to new homes — buying brand-new, off-the-plan, or building. Stamp duty concessions are more generous and in NSW, VIC, QLD and WA also cover established homes; SA’s relief is limited to new homes and vacant land. Tasmania has a separate full duty exemption specifically for established homes.
What stamp duty concessions can first home buyers get?
Full exemptions apply up to about $800,000 in NSW (concession to $1m), $600,000 in VIC and WA (concession to $750k/$800k), $700,000 in QLD (concession to $800k) and $750,000 in Tasmania for established homes. SA offers uncapped duty relief on new homes and the ACT gives $0 duty up to $1,020,000 subject to an income test.
Are any first home buyer benefits ending soon?
Yes. Several boosts are time-limited: Queensland’s $30,000 grant reverts to $15,000 and Tasmania’s drops to $20,000 for contracts from 1 July 2026, and Tasmania’s established-home duty exemption closes 30 June 2026. WA increased its duty thresholds from 7 May 2026. Always confirm the current rules and dates with your state revenue office.
What are the common eligibility rules?
Generally you must be at least 18, an Australian citizen or permanent resident, buying as an individual (not a company or trust), have never owned residential property in Australia, and move in within 12 months and live there for 6–12 months. The ACT scheme and some concessions add income tests.