First Home Buyer Grant Checker
Check what grants and stamp duty concessions are available to first home buyers in your state.
Your purchase
First Home Owner Grant (NSW)
Not eligible
No grant for established homes
Concessions
Stamp duty exemption
Full stamp duty exemption
Key details for NSW
- •FHOG of $10,000 for new homes ≤ $600K
- •Full stamp duty exemption for new homes ≤ $800K
- •Partial concession $800K–$1M new homes
- •First Home Buyer Choice: opt into annual property tax instead
Information current as of 2024–25. Schemes change regularly. Always verify with your state revenue office or a licensed conveyancer.
How this calculator works
Each Australian state and territory runs its own First Home Owner Grant (FHOG) scheme with different eligibility rules, price thresholds, and grant amounts. This checker looks up the rules for the state you select and tells you whether your purchase type (new or established) and price make you eligible — and if so, how much you can receive.
The FHOG applies to new and off-the-plan homes only in most states (not established/existing dwellings). Stamp duty exemptions are separate from the grant and may apply to both new and established homes depending on the state.
State grants at a glance (2024–25)
| State | Grant (new homes) | Price cap |
|---|---|---|
| NSW | $10,000 | ≤ $600,000 |
| VIC | $10,000 | ≤ $750,000 |
| QLD | $30,000 (boosted to 2026) | ≤ $750,000 |
| SA | $15,000 | ≤ $650,000 |
| WA | $10,000 | ≤ $750,000 |
| ACT | No grant (duty exemption instead) | ≤ $1,000,000 |
| NT | $10,000 | No cap |
| TAS | $10,000 | ≤ $750,000 |
Frequently asked questions
Can I use the FHOG with an off-the-plan purchase?
Yes. Off-the-plan properties are classified as "new homes" in all states and qualify for the FHOG where the contract price is below the relevant threshold. The grant is typically paid at settlement when title is transferred.
What does "new home" mean for grant eligibility?
A new home is a property that has not been previously lived in or sold as a residential dwelling. This includes newly constructed homes, off-the-plan apartments, and substantially renovated dwellings (rules vary by state).
Do I have to live in the property to claim the FHOG?
Yes. In all states, the FHOG requires you to occupy the property as your principal place of residence for a continuous period — typically 6 to 12 months within 12 months of settlement. Renting the property out immediately after purchase disqualifies the grant.
Related calculators
Stamp Duty Calculator
Calculate transfer duty with first home buyer concessions applied
Off-the-Plan Savings Calculator
See how much stamp duty you save buying off-the-plan
Borrowing Capacity Estimator
Find out how much a lender might approve
Deposit Savings Goal
Calculate how long it takes to save your deposit
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