Question 1

What is the First Home Owner Grant and who can apply?

Accepted Answer

The First Home Owner Grant (FHOG) is a one-off payment from your state or territory government to help first home buyers purchase or build a new home. To be considered, you generally need to be buying or building a new property (never previously occupied or sold as a residence), be an Australian citizen or permanent resident, and not have previously owned a home in Australia. The relevant state revenue office makes the final eligibility determination - this tool gives you a general overview to understand what may be available in your state.

Question 2

How much is the FHOG in each state, and are there property price caps?

Accepted Answer

Amounts and caps vary significantly by state. As of July 2026: NSW and VIC each offer $10,000 (caps of $600,000 and $750,000 respectively); SA offers $15,000 with no price cap; WA offers $10,000 (cap $800,000 south of the 26th parallel for transactions from 7 May 2026, $1,000,000 north); QLD offers $30,000 with no current expiry (homes valued under $750,000); TAS offers $20,000 with no price cap for transactions commencing up to 30 June 2027; NT offers a $50,000 HomeGrown Territory Grant with no cap (contract deadline 30 September 2027); and the ACT has no FHOG at all - it was abolished in 2019 and replaced with a stamp duty concession scheme (from 1 July 2026, eligible buyers may pay $0 duty at any price, with no income test). The relevant state revenue office makes the final eligibility determination.

Question 3

Does the FHOG apply to existing (established) homes or only new builds?

Accepted Answer

In every state and territory that still offers a FHOG, the grant applies only to new homes - meaning a property that has not been previously occupied or sold as a residential dwelling. This includes newly built houses, townhouses and apartments, as well as contracts to build. Buying an established home does not attract the FHOG in any Australian state or territory. If you are considering an established home, you may still be eligible for stamp duty concessions - the dashboard shows the relevant concession rules for each state.

Question 4

Which grants show a countdown, and what happens if I miss the deadline?

Accepted Answer

Two deadlines are currently live. In Tasmania the FHOG stepped down from $30,000 to $20,000 on 1 July 2026 and applies to transactions commencing up to 30 June 2027, after which the $10,000 base grant is expected to apply. In the Northern Territory the $50,000 HomeGrown Territory Grant requires a contract signed by 30 September 2027. Queensland no longer has a countdown - its $30,000 grant was continued rather than reduced, so there is no current expiry. Tasmania's separate full stamp duty exemption on homes under $750,000 closed on 30 June 2026 and was not extended. If a contract is signed after a deadline, the lower amount would generally apply, but the relevant state revenue office makes the final determination.

Question 5

Does the ACT have a First Home Owner Grant?

Accepted Answer

No - the ACT abolished its First Home Owner Grant in 2019 and did not replace it with an equivalent cash payment. Instead, eligible first home buyers in the ACT may be able to pay no stamp duty through the Home Buyer Concession Scheme, which from 1 July 2026 has no income threshold and no property value limit. Because the ACT has no FHOG, the dashboard reflects a $0 grant entry for that territory. Check with the ACT Revenue Office or a conveyancer for details on the concession scheme and its other eligibility rules, as the final determination on eligibility is made by the revenue office.

Question 6

Can I combine the FHOG with federal schemes like the First Home Guarantee?

Accepted Answer

In most states, yes - the FHOG and federal schemes such as the First Home Guarantee (which lets eligible buyers purchase with a 5% deposit without paying lenders mortgage insurance) can potentially be used together, provided you meet the eligibility requirements for each separately. The eligibility checker on this page shows both state grants and relevant federal schemes based on the details you enter. Keep in mind each scheme has its own rules around income caps, property price caps, and property type, and the relevant authority (your state revenue office for the FHOG, and Housing Australia for federal schemes) makes the final call on eligibility.

Question 7

Is the Northern Territory grant really $50,000? Are there any catches?

Accepted Answer

Yes - the NT HomeGrown Territory Grant is $50,000 for eligible first home buyers purchasing or building a new home, with no property price cap. There is also a separate $30,000 FreshStart Grant available to existing homeowners (not first buyers) buying a new home. The key deadline to be aware of is that contracts must be signed before 30 September 2027, with applications accepted until September 2028. As with all state grants, the NT Revenue Office determines final eligibility, and conditions around residency, prior home ownership, and property type apply.

First Home Buyer Grant Dashboard

The home

About you

Estimated grants

What may I be eligible for?

Grant deadlines by state and territory

TASFirst Home Owner Grant

NTHomeGrown Territory Grant (new homes)

NSWFirst Home Owner Grant

QLDFirst Home Owner Grant

VICFirst Home Owner Grant

WAFirst Home Owner Grant

SAFirst Home Owner Grant

ACTHome Buyer Concession Scheme

Compare states and territories

NSWNew South Wales

VICVictoria

QLDQueensland

WAWestern Australia

SASouth Australia

TASTasmania

NTNorthern Territory

ACTAustralian Capital Territory

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