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First Home Owner Grant: state-by-state 2026 table

The First Home Owner Grant (FHOG) is a one-off state-government payment to eligible first home buyers. Every state has its own version, with different amounts, different eligibility, and different property restrictions. Here is the 2026 table.

NSW

$10,000 for buyers of a new home (off-the-plan or newly built) valued up to $750,000. Not available for established property. Combined with the NSW stamp duty concessions, this is useful mostly for new-build purchases.

Victoria

$10,000 for buyers of a new home up to $750,000 (in metro Melbourne) or $750,000 across regional Victoria. Restricted to newly constructed dwellings.

Queensland

$30,000 for new builds or off-the-plan purchases valued up to $750,000 (applicable to contracts signed between 20 Nov 2023 and 30 Jun 2026). After June 2026, QLD reverts to $15,000 for new homes. Established homes don’t qualify.

Western Australia

$10,000 for new or substantially renovated homes up to $750,000 (metro) or $1,000,000 (regional). WA also has complementary stamp duty concessions.

South Australia

$15,000 for new homes up to $650,000 (or for contracts to build, with build cost + land value up to $650,000). Established homes don’t qualify.

Tasmania

$10,000 for new home builds, or for new apartment purchases. A FHOG extension has been in place through to mid-2026 with possible further extension.

Northern Territory

$10,000 (following 2023 reforms) for new homes. NT also has stamp duty waivers on established homes up to $650,000 for first home buyers.

ACT

ACT does not have a FHOG but offers “first home buyer duty concession” which waives stamp duty entirely up to $1,020,000 income-tested threshold. More generous than any other jurisdiction for those who qualify.

What “new home” means

  • A dwelling that has not been previously occupied or sold as residential
  • A dwelling substantially renovated, where the previous building was demolished or gutted
  • An off-the-plan purchase (settlement at construction completion)

What disqualifies you

  • You or your spouse have previously owned any residential property in Australia, at any time (even inherited, briefly held, or held in trust)
  • You or your spouse have previously received a FHOG (from any state)
  • Income thresholds in some states
  • Residence thresholds: most states require you to move in within 12 months and reside for 6-12 months continuously

How to apply

Most states process FHOG applications via your lender at settlement - the grant is received as credit against the purchase. Some states also allow direct application post-settlement. Your lender or broker typically handles the paperwork.

Layering with other schemes

FHOG stacks with:

  • Stamp duty concessions (state-level)
  • First Home Guarantee (federal)
  • First Home Super Saver Scheme (federal)

The combined uplift for an eligible first home buyer in NSW buying a new $700k unit can be $30k-$50k in total concessions and grants - often the difference between buying this year or saving for another two years.