First Home Owner Grant (FHOG) Calculator

Check your eligibility and calculate the First Home Owner Grant for your state, plus stamp duty concessions. Compare total first home buyer savings across all Australian states and territories.

Updated for 2025-26. Includes QLD and TAS boosted grants, NT HomeGrown $50k, and latest stamp duty thresholds.

State / Territory

Property price

Property type

FHOG applies to new homes only in most states.

NSW purchase type

House & land packages have a higher $750,000 cap (vs $600,000 for completed homes).

Select a state and enter a property price to check your FHOG eligibility and savings.

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FHOG amounts by state (2025-26)

State	Grant	Property cap	Property type	Expiry
NSW	$10,000	$600,000 / $750,000 **	New homes only	Ongoing
VIC	$10,000	$750,000	New homes only	Ongoing
QLD	$30,000	$750,000	New homes only	30 Jun 2026 *
SA	$15,000	No cap	New homes only	Ongoing
WA	$10,000	$750,000 / $1M ***	New homes only	Ongoing
TAS	$30,000	No cap	New homes only	30 Jun 2026 *
NT	$50,000	No cap	New homes only	30 Sep 2026 ****
ACT	—	—	—	Abolished 2019

* QLD reverts to $15,000 and TAS reverts to $10,000 after their respective expiry dates.

** NSW: $600,000 cap for completed new homes, $750,000 for house & land packages / building contracts.

*** WA: $750,000 cap south of 26th parallel (including Perth), $1,000,000 north of 26th parallel.

**** NT HomeGrown Territory grant — must enter contract by 30 September 2026. Reverts to $10,000 after expiry.

Eligibility requirements

While each state administers its own FHOG, the core eligibility criteria are similar nationwide:

Age: You must be 18 years or older
Citizenship: At least one applicant must be an Australian citizen or permanent resident
First home: You (and your spouse/partner) must not have previously owned residential property in Australia that you lived in
No prior grant: You must not have previously received a FHOG in any state or territory
New home: The property must be a new home — never previously occupied or sold as a residence
Residency: You must move in and live there continuously (6-12 months depending on the state)
No income test: Unlike the ACT's HBCS, the FHOG has no income or assets test in any state

Residence requirements by state

State	Move in within	Live there for
NSW	12 months	12 continuous months
VIC	12 months	12 continuous months
QLD	12 months	6 continuous months
SA	12 months	6 continuous months
WA	12 months	6 continuous months
TAS	12 months	6 continuous months
NT	After possession	12 continuous months
ACT	HBCS: 12 months continuous residence

FHOG vs stamp duty concessions

The FHOG and stamp duty concessions are separate benefits that stack together:

FHOG is a cash grant (usually paid at settlement or shortly after) — applies to new homes only
Stamp duty concessions reduce or eliminate transfer duty — applies to both new and existing homes in most states
You can receive both if you meet each program's criteria separately
The calculator above shows both combined so you can see your total savings

How to apply

You apply for the FHOG through your state's revenue office, usually at settlement through your solicitor or conveyancer. Most states allow online applications. You'll need:

Proof of identity (driver's licence, passport)
Contract of sale or building contract
Statutory declaration that you meet eligibility requirements
Evidence the property is new (builder's certificate, occupancy certificate)

FAQ

What is the First Home Owner Grant (FHOG)?

The FHOG is a one-off payment from state and territory governments to help first home buyers purchase a new home. The amount ranges from $10,000 to $50,000 depending on your state. Most states require the property to be a new home that has never been lived in.

Which state has the highest FHOG?

The Northern Territory offers the highest FHOG at $50,000 for new homes (HomeGrown Territory grant, contracts by 30 September 2026). Queensland and Tasmania both offer $30,000 until 30 June 2026. South Australia offers $15,000 with no property value cap.

Can I get the FHOG for an established (existing) home?

No — in all states and territories with an active FHOG, the grant only applies to new homes that have never been previously occupied. This includes newly built homes, off-the-plan purchases, and substantially renovated properties. Established homes are not eligible.

What is the difference between FHOG and stamp duty concessions?

The FHOG is a cash grant paid to you (typically at settlement), while stamp duty concessions reduce or eliminate the transfer duty you pay when buying. They are separate benefits — in most states you can claim both if you meet the criteria for each. This calculator shows both side by side.

Does the ACT have a First Home Owner Grant?

No — the ACT abolished the FHOG on 1 July 2019. Instead, the ACT offers the Home Buyer Concession Scheme (HBCS), which provides full stamp duty exemption on properties up to $1,000,000 (subject to a household income test of $170,000 for singles or $250,000+ for families).

What is the FHOG property value cap?

Each state sets its own cap. NSW: $600,000 for completed new homes or $750,000 for house & land packages. VIC: $750,000. QLD: $750,000. WA: $750,000 (south) or $1,000,000 (north of 26th parallel). SA, TAS, and NT have no property value cap.

Do I need to live in the property?

Yes. All states require you to move into the property (typically within 12 months of settlement) and live there as your principal residence for a minimum period — usually 6 or 12 months depending on the state. You cannot use the FHOG for an investment property.

Can I get the FHOG and FHSS together?

Yes. The First Home Super Saver Scheme (FHSS) is a federal scheme that lets you save for a deposit inside super with tax advantages. It is completely separate from the state-based FHOG. You can claim both if eligible.

Tax Accuracy & Sources

Reviewed: March 2026 · Tax year: 2025-26

Estimates FHOG eligibility and amount based on state, property price, and property type. Shows stamp duty concession savings using current FHB rates. Does not cover vacant land grants, house-and-land package variations, the First Home Super Saver Scheme (FHSS), or the First Home Guarantee. ACT results show the Home Buyer Concession Scheme (HBCS) stamp duty exemption, not a grant.

Need the full stamp duty breakdown?

See detailed stamp duty calculations, deposit planning, and upfront cost estimates for your state.

View the First-Home Buyer Guide →

FHOG amounts and eligibility verified April 2026. State revenue office links provided above.