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.
01 —INPUTS
FHOG applies to new homes only in most states.
House & land packages have a higher $750,000 cap (vs $600,000 for completed homes).
02 —RESULTS
Select a state and enter a property price to check your FHOG eligibility and savings.
* QLD reverts to $15,000 and TAS reverts to $10,000 after their respective expiry dates.
** NSW: $600,000 for completed new homes, $750,000 for house & land packages. *** WA: $750,000 south / $1,000,000 north of 26th parallel. **** NT reverts to $10,000 after expiry.
Eligibility requirements
→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
→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
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.
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.
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.
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.