First Home Owner Grant: State-by-State Guide 2026
Current grants, stamp duty concessions, and first home buyer incentives available in every Australian state.
The First Home Owner Grant (FHOG) and associated stamp duty concessions are among the most valuable financial incentives available to first home buyers in Australia. These government schemes are designed to make the transition from renting to owning more accessible, and in 2026, the combination of grants and concessions can save first home buyers tens of thousands of dollars in upfront costs.
In Victoria, eligible first home buyers purchasing a new or substantially renovated home valued up to $750,000 can access a $10,000 grant. Additionally, stamp duty concessions are available for properties up to $600,000, with a 50% concession for properties between $600,000 and $750,000. The First Home Super Saver Scheme allows first home buyers to withdraw voluntary super contributions (up to $50,000 for individuals) plus associated earnings to put toward a deposit.
New South Wales offers a $10,000 grant for first home buyers purchasing new homes valued up to $600,000 (or building on land up to $750,000). Stamp duty exemptions apply for properties up to $800,000, with concessional rates up to $1,000,000. NSW also offers the option to choose between paying annual property tax instead of upfront stamp duty for eligible first home buyers, which can improve cash flow for some purchasers.
Queensland provides a $30,000 grant for first home buyers purchasing or building a new home valued up to $750,000 — the most generous FHOG in the country. Stamp duty concessions are available for homes up to $700,000, with the full concession available for properties up to $500,000. In Western Australia, the $10,000 grant applies to new homes up to $750,000, with stamp duty exemptions available for properties up to $450,000 and concessions up to $600,000.
Eligibility requirements vary by state but generally include being an Australian citizen or permanent resident, being at least 18 years old, and not having previously received the grant or owned property in Australia. Most states require you to live in the property for at least six months within the first year of ownership. It's essential to check the specific requirements for your state and confirm your eligibility before making any commitments, as the rules and amounts can change.
Grant amounts and eligibility rules are just the starting point. The real opportunity lies in stacking multiple incentives — grants, concessions, super schemes, and lender-specific offers — to maximise your savings. Many first home buyers leave thousands on the table simply because they don't know what they're entitled to. A PPS strategist ensures you access every incentive available to you.
Educational & Informational Purposes Only
This information is provided for general informational and educational purposes only and does not constitute financial, legal, tax, or investment advice. Property markets and regulations change frequently — please do your own due diligence and consult with a qualified professional before making any financial decisions.
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