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 (was $30,000 until 30 June 2026) | 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 | No property price cap |
| Tasmania (TAS) | $20,000 (was $30,000 until 30 June 2026) | New home only | Value caps apply — check State Revenue Office |
| Australian Capital Territory (ACT) | No FHOG (discontinued) | — | ACT abolished stamp duty for first home buyers from 1 July 2026 instead |
| Northern Territory (NT) | $10,000 (up to $50,000 for some new builds — verify) | New or existing home | Varies — check NT Revenue Office |
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's grant is $15,000 for new homes valued up to $750,000. A temporary $30,000 boost applied to contracts signed before 30 June 2026 and has now ended. From 1 May 2025 Queensland also charges no stamp duty at all on new homes and vacant land for first home buyers, regardless of value — check the QLD Revenue Office website for current details.
Western Australia (WA)
WA offers $10,000 for new homes, with value caps that vary by region. WA also provides stamp duty exemptions for first home buyers up to $600,000 and concessions up to $800,000 (thresholds updated from May 2026, with the old metro/regional distinction removed).
South Australia (SA)
SA offers $15,000 for new homes with no property price cap. SA abolished stamp duty on new homes for first home buyers from June 2024 (no value cap), though established homes do not get the same exemption.
Tasmania (TAS)
Tasmania's grant is $20,000 for new homes from 1 July 2026 (reduced from $30,000). The temporary stamp duty exemption on established homes up to $750,000 ended on 30 June 2026 — check the State Revenue Office for current rules.
Australian Capital Territory (ACT)
The ACT discontinued its First Home Owner Grant years ago. Instead, from 1 July 2026 the ACT abolished stamp duty entirely for first home buyers — with no property price or income limit — making it the first jurisdiction in Australia to do so.
Northern Territory (NT)
NT offers a First Home Owner Grant of $10,000 for most purchases, with larger amounts (up to $50,000 in some cases) available for new builds — amounts and conditions vary, so confirm current rates with the NT Revenue Office. The NT also has some of the lowest property prices in the country.
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.
How the FHOG Fits With Other Schemes
The First Home Owner Grant stacks with the federal schemes — you can usually combine the FHOG with the First Home Guarantee, the First Home Super Saver Scheme, and state stamp duty concessions, because each is administered by a different level of government. The grant is a one-off cash payment, typically paid at settlement or shortly after, and it is almost always restricted to new homes or substantially renovated homes — established homes rarely qualify.
Two 2026 changes are worth knowing. Queensland's $30,000 grant reverted to $15,000 for contracts signed from 1 July 2026, and Tasmania's grant dropped from $30,000 to $20,000 on the same date. The ACT no longer offers a grant at all — it abolished stamp duty for first home buyers from 1 July 2026 instead. Because grant amounts change at state budget time, always check your state revenue office's website before you sign a contract.
Action Plan: Claiming Your Grant
- Confirm you are buying or building a new home — the grant rarely applies to established homes.
- Check the price cap in your state; buying just over the cap can cost you the entire grant.
- Apply through your lender at loan application, or directly to your state revenue office, using their online portal.
- Have proof of identity, the contract of sale, and occupancy intentions ready — most states require 6–12 months occupancy.