First Home Buyer Guide & Calculators
Free calculators and guides for Australian first home buyers. Compare stamp duty concessions, check borrowing power, and plan your savings with FHSS.
Follow these steps to understand your full costs and maximise your government incentives.
Compare FHB concessions in your state
Each state has different stamp duty thresholds, First Home Owner Grant amounts, and eligibility rules. Read your state's full guide.
Browse state guides below →Use FHSS to save faster
The First Home Super Saver scheme lets you save inside super and pay less tax on your deposit savings. Most buyers save $5,000–$15,000 compared to a bank account.
Calculate your FHSS savings →Calculate your total buying costs
Stamp duty is just one cost. Factor in conveyancing, inspections, mortgage insurance, and moving costs to set an accurate savings target.
Use the buying costs calculator →A quick snapshot of what each state offers. Click a state for full details and a stamp duty calculator.
| State | Stamp duty exemption threshold | First Home Owner Grant | FHSS available | |
|---|---|---|---|---|
| NSW | Up to $800,000 | $10,000 | Yes | View guide → |
| VIC | Up to $600,000 | $10,000 | Yes | View guide → |
| QLD | Up to $700,000 | $30,000 | Yes | View guide → |
| SA | No exemption | $15,000 | Yes | View guide → |
| WA | Up to $500,000 | $10,000 | Yes | View guide → |
| TAS | Up to $750,000 | $30,000 | Yes | View guide → |
| ACT | Up to $1,000,000 | $0 | Yes | View guide → |
| NT | No exemption | $50,000 | Yes | View guide → |
Every state offers different concessions for first home buyers. Select your state to calculate your stamp duty.
NSW
New South Wales first home buyer guide
View guide →VIC
Victoria first home buyer guide
View guide →QLD
Queensland first home buyer guide
View guide →SA
South Australia first home buyer guide
View guide →WA
Western Australia first home buyer guide
View guide →TAS
Tasmania first home buyer guide
View guide →NT
Northern Territory first home buyer guide
View guide →ACT
Australian Capital Territory first home buyer guide
View guide →Enter your income, savings, and state to instantly see your borrowing power, stamp duty, and total cash needed — all in one view.
Assumes 6.1% interest rate, 30-year loan, principal & interest. "Comfortable" budget uses 28% of gross income minus commitments. Not financial advice.
Check your First Home Owner Grant
See your FHOG eligibility, grant amount, and stamp duty savings — compare all states side by side.
FHOG Calculator →Use superannuation and government incentives to accelerate your deposit savings.
Use these calculators alongside your stamp duty research to get the full financial picture.
Income Tax Calculator
Check your after-tax income to see what mortgage repayments you can afford
Calculate →Salary Calculator
See your exact take-home pay including super, HECS, and Medicare levy
Calculate →Superannuation Calculator
Understand your super balance — essential context for FHSS planning
Calculate →