The First Home Owner Grant (FHOG) is a state and territory government scheme that provides a one-off payment to eligible first home buyers. Each state and territory sets its own grant amount, thresholds, and eligibility rules. This guide covers all 8 states and territories.
Grant Amounts by State (2026)
| State/Territory | Grant Amount | Property Type | Price Cap |
|---|---|---|---|
| New South Wales (NSW) | $10,000 | New home only | $600,000 (or $750,000 for land + build) |
| Victoria (VIC) | $10,000 | New home only | $750,000 |
| Queensland (QLD) | $15,000 | New home only | $750,000 |
| Western Australia (WA) | $10,000 | New home only | $750,000 (metro) / $1,000,000 (regional) |
| South Australia (SA) | $15,000 | New home only | $650,000 |
| Tasmania (TAS) | $10,000 | New home only | $750,000 (metro) / $600,000 (regional varies) |
| Australian Capital Territory (ACT) | $10,000 | New home only | $750,000 |
| Northern Territory (NT) | $15,000 | New or existing home | $600,000 |
General Eligibility Requirements
- You must be an Australian citizen or permanent resident
- You (and your spouse/partner) must never have owned a home in Australia before
- You must be at least 18 years old
- You must occupy the property as your principal place of residence for at least 6–12 months (varies by state)
- The property value must be under the relevant price cap
- In most states, the grant is only for new homes (not yet lived in or substantially renovated)
New South Wales (NSW)
NSW offers $10,000 for new homes valued up to $600,000 (or $750,000 for house-and-land packages). Applications are made through the NSW Revenue website after settlement. Note: the NSW government also offers stamp duty exemptions or concessions for first home buyers (see our stamp duty guide).
Victoria (VIC)
Victoria's FHOG is $10,000 for new homes valued up to $750,000. The grant can be paid directly to your lender at settlement. The Victorian government also offers stamp duty exemptions for homes up to $600,000 and concessions up to $750,000.
Queensland (QLD)
Queensland offers the highest grant among the eastern states at $15,000. It applies to new homes valued up to $750,000. For regional Queensland, there may be additional incentives — check the QLD Revenue Office website.
Western Australia (WA)
WA offers $10,000 for new homes up to $750,000 in metro areas and $1,000,000 in regional areas. WA also provides stamp duty exemptions for homes under $430,000 and concessions up to $530,000.
South Australia (SA)
SA offers $15,000 for new homes valued up to $650,000. SA also offers a stamp duty exemption for first home buyers on properties up to $650,000.
Tasmania (TAS)
Tasmania offers $10,000 for new homes only. Price caps are $750,000 (metro) with regional variations. TAS also offers stamp duty concessions.
Australian Capital Territory (ACT)
The ACT offers $10,000 for new homes valued up to $750,000. Note: the ACT has its own stamp duty system (general rates based duty) but offers concessions for first home buyers.
Northern Territory (NT)
NT offers $15,000 for both new and existing homes valued up to $600,000. This makes the NT one of the most accessible markets for first home buyers, especially combined with generally lower property prices.
How to Apply
- Each state has its own application process — usually through the state revenue office
- Most states allow you to apply through your lender/bank at the time of loan application
- You'll need proof of identity, proof of income, and a signed contract of sale
- The grant is typically paid at settlement (or shortly after)
Related Guides
- Stamp duty concessions and exemptions by state
- First Home Guarantee — low deposit buying
- Which state is cheapest for first home buyers?
- How to save a deposit faster
Grant amounts and eligibility change frequently. Always check your state or territory revenue office website for the most current information.