First home buyer guide
First Home Buyer Guide QLD 2026-27
Complete first home buyer guide for Queensland. Stamp duty concessions, First Home Owner Grant, FHSS eligibility, and savings calculator for QLD in 2026-27.
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 valued under $750,000
→ 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 |
Related tools
FAQ
Why is Queensland's First Home Owner Grant so high?
Queensland offers one of the most generous FHOGs in Australia at $30,000, doubled from $15,000 for contracts signed on or after 20 November 2023. The Queensland Government has continued the $30,000 rate for eligible contracts from that date, with no announced reversion. This applies to new homes valued under $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, and since 1 May 2025 it is a full exemption with no value cap: an eligible first home buyer pays no transfer duty on residential vacant land bought to build on, whatever the land is worth. The capped versions people still quote are the earlier regimes — up to $10,675 on land under $500,000 for contracts from 9 June 2024 to 30 April 2025, and up to $7,175 on land under $400,000 before that. You must build one home on the land and move in within 2 years of settlement, a limit QRO cannot extend, and duty still applies to any non-residential part of the land.
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 is less than $750,000 — QRO treats $750,000 itself as over the limit. You must move in within 1 year of completion and live there for at least 6 months.