First home buyer guide
First Home Buyer Guide QLD 2025-26
Complete first home buyer guide for Queensland. Stamp duty concessions, First Home Owner Grant, FHSS eligibility, and savings calculator for QLD in 2025-26.
Stamp duty concessions FHOG + FHSS
What first home buyers get in QLD
→ Full transfer duty exemption on properties up to $700,000
→ Concessional transfer duty on properties between $700,000 and $800,000
→ $30,000 First Home Owner Grant for new homes up to $750,000 (boosted rate until 30 June 2026, reverts to $15,000 after)
→ First home concession applies to both new and existing homes
→ FHSS scheme available to boost your deposit savings through super
Stamp duty — first home buyer vs standard
See how much you could save on stamp duty as a first home buyer in Queensland.
| Property price | Standard duty | FHB duty | You save |
|---|---|---|---|
| $400k | $12,425.00 | $0.00 | $12,425.00 |
| $500k | $15,925.00 | $0.00 | $15,925.00 |
| $600k | $20,025.00 | $0.00 | $20,025.00 |
| $700k | $24,525.00 | $0.00 | $24,525.00 |
| $800k | $29,025.00 | $21,850.00 | $7,175.00 |
| $900k | $33,525.00 | $26,350.00 | $7,175.00 |
| $1M | $38,025.00 | $30,850.00 | $7,175.00 |
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FAQ
Why is Queensland's First Home Owner Grant so high?
Queensland offers one of the most generous FHOGs in Australia at $30,000, which was doubled from $15,000 in November 2023 and extended to 30 June 2026. After that date, the grant reverts to $15,000. This applies to new homes valued up to $750,000 and is designed to help first home buyers enter the property market amid rising prices.
Does the QLD first home concession apply to vacant land?
Yes, the first home concession in Queensland can apply to vacant land purchases up to $400,000 (with concessions up to $500,000) if you intend to build your first home on it. You must commence construction within 2 years of settlement.
Can I claim the QLD FHOG if I'm building a new home?
Yes, the $30,000 FHOG applies to newly built homes, homes bought off the plan, and owner-builder homes, as long as the total value does not exceed $750,000. You must move in within 1 year of completion and live there for at least 6 months.