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First home buyers

First Home Owner Grant (FHOG) by State: 2026 Amounts & Eligibility

The First Home Owner Grant is a state grant, not federal. See FHOG amounts, price caps and eligibility for every state and territory, plus links to each state's detailed guide.

Andy McMaster

Reviewed by Andy McMaster, Editor

Written by Your Property Guide editorialUpdated 8 min read

How we keep this accurateSources

Key takeaways

  • The First Home Owner Grant (FHOG) is a state and territory grant, not a federal scheme. Each state runs its own version with its own amount, price cap and rules.
  • The grant generally applies to new homes only: newly built, off-the-plan, or substantially renovated properties. Established homes do not qualify in most states.
  • Amounts range from no grant in the ACT, through $10,000 in NSW, Victoria and WA, up to $15,000 in SA, $20,000 in Tasmania and $30,000 in Queensland, to $50,000 under the NT's HomeGrown Territory Grant. Queensland's $30,000 was kept by the 2026-27 State Budget.
  • Price caps vary by state and apply to the contract price. Even a dollar over the cap can disqualify the whole grant, so plan well under.
  • The FHOG usually stacks with first home buyer stamp duty concessions and federal schemes like the First Home Guarantee, which can save eligible buyers tens of thousands.
  • Scheme rules, amounts and caps change. Verify the current figure with your state revenue office before you sign anything.
In this guide7 sections

A state grant, a duty concession and a federal scheme can stack on the right new home, but price caps are firm: one dollar over can cost the whole grant. Confirm eligibility before the first offer, then negotiate with the cap in mind.

Verify the current figure with your state revenue office

Grant amounts, price caps and eligibility rules change, and some are time-limited boosts that step down. The figures here are a guide, not a quote. Always confirm the current amount and rules with the revenue office in your state or territory, or a licensed conveyancer, before you sign a contract.

What the First Home Owner Grant is

The First Home Owner Grant (FHOG) is a one-off cash grant paid by a state or territory government to eligible first home buyers. It is not a federal scheme, so the amount, the price cap and the rules are set by each state and differ across the country.

The grant exists to encourage new housing supply, which is why it generally applies to new homes only: a newly built property, an off-the-plan purchase, or a home that has been substantially renovated and not lived in since. Established homes usually miss out, even though they can still qualify for stamp duty relief and federal schemes.

$0–$50k
The first home grant ranges from nothing in the ACT to $50,000 for a new home in the NT (the HomeGrown Territory Grant). Queensland pays $30,000, kept by the 2026-27 State Budget.
State grant, new homes only, amounts and caps change

First Home Owner Grant amounts by state

Here is the picture across all eight states and territories. Treat every figure as a starting point and confirm the current amount and price cap with the relevant revenue office, because several of these are subject to review or are time-limited boosts.

State or territoryGrantWhat it coversState guide
NSW$10,000$10,000 for a new home bought for up to $600,000, or $750,000 for land and a building contractNSW guide
VIC$10,000$10,000 for a new home valued up to $750,000VIC guide
QLD$30,000$30,000 for a new home valued under $750,000QLD guide
WA$10,000$10,000 for a new home valued up to $800,000 in Perth and the south of the state, or $1,000,000 north of the 26th parallelWA guide
SAUp to $15,000Up to $15,000 for a new home, with no value capSA guide
TAS$20,000$20,000 for a new home, with no value cap, for transactions from 1 July 2026 to 30 June 2027TAS guide
ACTNo grantNo first home owner grant; it ceased on 1 July 2019, and the Home Buyer Concession Scheme removes the duty insteadACT guide
NT$50,000HomeGrown Territory Grant: $50,000 for building or buying a new home, with no price cap, for contracts from 1 October 2024 to 30 September 2027NT guide

Grants for a new home, checked against each revenue office on 14 October 2026.

Three grants depend on your date

Queensland's $30,000 grant was scheduled to revert to $15,000 for contracts signed from 1 July 2026, but the 2026-27 Queensland Budget (23 June 2026) kept it; the Queensland Revenue Office confirms $30,000 for eligible contracts signed from 20 November 2023, with no end date. Tasmania's grant is $20,000 for transactions from 1 July 2026 to 30 June 2027, down from $30,000, and is scheduled to fall to $10,000 after that. The NT's $50,000 grant covers contracts from 1 October 2024 to 30 September 2027. Confirm the amount for your contract date with the state revenue office.

In most states the grant pairs with a separate first home buyer stamp duty concession, which is often the larger saving; Tasmania and the NT no longer have one. Our state guides cover both the grant and the duty rules together, and you can model the duty side with our stamp duty calculator. For the full duty detail by state, see NSW, VIC, QLD, WA, SA, TAS, NT and ACT.

New homes vs established homes

The single rule that catches the most buyers out is the new-home condition. In most states the FHOG only pays out on:

  • Newly built homes that have never been occupied or sold as a place of residence
  • Off-the-plan purchases and homes bought as a house and land package
  • Substantially renovated homes that have not been lived in since the renovation
  • Owner-builder new homes in states that allow it, paid once an occupancy certificate is issued

An established home that someone has already lived in does not qualify for the grant in any state now. The NT’s grant for established homes covered contracts from 1 October 2024 to 30 September 2025 only. If you have your heart set on an established home, focus on the stamp duty concession (where your state has one) and federal schemes instead.

Combining the FHOG with other help

The grant is rarely the only support available. Where you qualify for more than one, they generally stack:

  • FHOG plus stamp duty concession. The grant is cash; the duty concession reduces or removes the tax you pay at settlement. These are separate and can usually be claimed together.
  • FHOG plus the First Home Guarantee. The First Home Guarantee is a federal scheme that lets eligible buyers purchase with as little as a 5% deposit and no Lenders Mortgage Insurance. It covers new and established homes and can sit alongside a state grant.
  • FHOG plus the First Home Super Saver Scheme. The FHSS lets you save a deposit inside super at a lower tax rate, then withdraw it. It runs separately from the grant.

Stacking a federal scheme, a state grant and a stamp duty concession on an eligible new home is where first home buyers find the biggest combined saving. The full national picture, including federal schemes and how they interact, is in our national first home buyer guide.

Price caps are firm

Every grant and concession has a price cap, and they are unforgiving. One dollar over the cap can disqualify the entire grant, not just the amount above the threshold. Caps differ between the grant, the stamp duty concession and the federal scheme, so check each one separately and plan well under the lowest of them.

How to apply for the First Home Owner Grant

The process is similar across states, with the revenue office as the final authority:

  1. Confirm eligibility before you make an offer. Check that you have never owned residential property in Australia, that the home meets the new-home rule, and that the contract price sits under the cap.
  2. Apply through your lender or conveyancer. For most financed purchases, your participating lender lodges the grant application so it can be applied at settlement. Owner-builders and some new-build buyers apply directly with the revenue office.
  3. Provide your documents. Expect to supply proof of identity, the signed contract, and evidence the home is new or substantially renovated.
  4. Receive the grant. Timing varies. Some states pay at settlement through your lender; owner-builder grants are usually paid once an occupancy certificate is issued.

State and territory guides

Pick your state for the exact grant amount, the price cap, the stamp duty rules and the local buying process:

For the federal schemes that work alongside the grant, read the national first home buyer guide and the First Home Guarantee guide.

Common questions

What is the First Home Owner Grant?

The First Home Owner Grant (FHOG) is a one-off cash grant paid by a state or territory government to eligible first home buyers. It is not a federal scheme, so the amount, the price cap and the eligibility rules are set by each state and differ across the country. In most states the grant applies only to new homes: a newly built property, an off-the-plan purchase, or a substantially renovated home that has not been lived in since the work was done.

How much is the First Home Owner Grant in NSW, Queensland and Victoria?

NSW pays $10,000 on eligible new homes. Queensland pays $30,000 for new builds — the boost was due to end on 30 June 2026, but the 2026-27 Queensland Budget locked it in for another four years, and the Queensland Revenue Office confirms $30,000 for eligible contracts signed from 20 November 2023. Victoria pays $10,000 for new homes up to $750,000; its $20,000 regional grant ended on 30 June 2021. All three apply to new homes only and carry their own price caps, so confirm the current amount and cap with the relevant state revenue office before you rely on it.

Can you get the FHOG on an established home?

No, not now. The FHOG is designed to encourage new housing supply, so it applies only to new builds, off-the-plan purchases, and substantially renovated homes. The NT paid $10,000 on an established home, but only for contracts from 1 October 2024 to 30 September 2025. If you buy an established home you miss the grant, but you may still get a first home buyer stamp duty concession (not in SA, Tasmania or the NT) and a federal scheme like the First Home Guarantee.

Can you combine the FHOG with stamp duty concessions?

Usually yes. The FHOG is a cash grant, while a first home buyer stamp duty exemption or concession reduces or removes the duty you pay at settlement. They are separate forms of help with separate eligibility rules, so where you qualify for both they stack. You can often add a federal scheme on top, such as the First Home Guarantee, which lets eligible buyers purchase with a smaller deposit and no Lenders Mortgage Insurance. Stacking all three is where the largest savings come from.

How do you apply for the First Home Owner Grant?

You apply through your state or territory revenue office, and in most cases your lender or conveyancer lodges the application for you as part of settlement. If you are using a home loan, the simplest path is to apply through your participating lender so the grant can be applied at settlement. Owner-builders and some new-build purchases apply directly with the revenue office instead. You will need proof of identity, the contract, and evidence the home meets the new-home and price-cap rules.

Is the First Home Owner Grant the same as the First Home Guarantee?

No. The First Home Owner Grant is a state cash grant for new homes. The First Home Guarantee is a federal scheme that lets eligible first home buyers purchase with as little as a 5% deposit without paying Lenders Mortgage Insurance, and it covers both new and established homes. They are run by different levels of government and you can often use both at once if you qualify for each.

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