First Home Buyers Grant Calculator Australia 2026: Every State
This first home buyers grant calculator for Australia shows your First Home Owner Grant for October 2026: from $10,000 in NSW, Victoria and WA to $30,000 in Queensland and $50,000 in the Northern Territory, mostly for new homes under a value cap. Enter your state, home type, price and contract date to check your grant and compare every state.
Updated . Built and checked by My Easy Calculator against each state and territory revenue office, including WA's 7 May 2026 cap rise, Queensland's 2026-27 Budget and Tasmania's 1 July 2026 change. How we check figures
| New homes, contracts signed now | |
| Northern Territory | $50,000 |
| Queensland | $30,000 |
| Tasmania | $20,000 |
| South Australia | $15,000 |
| New South Wales | $10,000 |
| Victoria | $10,000 |
| Western Australia | $10,000 |
| ACT | No grant |
| Established homes | |
| Every state and territory | No grant |
Check your potential first home owner grantGrant amount, value cap and eligibility for every state and territory
- October 2026 rules
- Checked
About you
Your estimate Queensland
| State | Grant for this home |
|---|
Figures update as you change any input. Your state revenue office decides eligibility when you apply.
How far does the grant take your deposit?
Add your savings to your grant and see your deposit as a share of the price.
$Enter your savings to see your deposit with the grant.
Grant deadlines to watch
Days left to sign a contract at today's amounts.
- Tasmania $20,000
- Northern Territory $50,000
Queensland's $30,000, and the $10,000 to $15,000 grants elsewhere, have no announced end date.
A Queensland couple building their first home sign a $680,000 land and build contract in October 2026. The total is under the $750,000 cap, so they can get the $30,000 First Home Owner Grant and, as first home buyers of a new home, pay no transfer duty. The same home in New South Wales would attract $10,000, and in the Northern Territory $50,000.
First home owner grant by state and territory
In October 2026 the First Home Owner Grant ranges from $10,000 in New South Wales, Victoria and Western Australia to $50,000 in the Northern Territory, and it is paid only for new homes everywhere it is offered. The ACT has no grant. Each figure below was checked on the state's official page on 12 October 2026.
| State or territory | Grant | Home | Value cap | Contract dates |
|---|---|---|---|---|
| New South Wales | $10,000 | New, or substantially renovated | $600,000 bought; $750,000 land and build | Ongoing |
| Victoria | $10,000 | New | $750,000 | Ongoing |
| Queensland | $30,000 | New | Under $750,000 | Continued from 1 July 2026 |
| Western Australia | $10,000 | New | $800,000 south; $1,000,000 north of the 26th parallel | Caps from 7 May 2026 |
| South Australia | $15,000 | New | No cap | No cap from 6 June 2024 |
| Tasmania | $20,000 | New | No cap | 1 July 2026 to 30 June 2027 |
| Northern Territory | $50,000 | New | No cap | 1 Oct 2024 to 30 Sep 2027 |
| ACT | No grant | Not applicable | Not applicable | Stamp duty concession instead |
How much is the first home owner grant in Australia?
The First Home Owner Grant is $10,000 in NSW, Victoria and WA, $15,000 in South Australia, $20,000 in Tasmania, $30,000 in Queensland and $50,000 in the Northern Territory for eligible new homes in October 2026. There is no grant in the ACT, and no state pays it on an established home.
How your first home owner grant is estimated
The calculator applies the rules of the state where the home is: it checks the home is new, the value is under that state's cap, the contract date falls in a grant period, and you meet the personal tests. If every test is met, it shows the grant amount set for that state and date.
- State and home type. Every grant is for new homes; an established home gets nothing.
- Value cap. The total price, including land for a build, is compared with the cap: for example, under $750,000 in Queensland, or $600,000 for a new home bought in NSW.
- Contract date. The amount depends on when you sign. A Tasmanian contract signed in June 2026 gets $30,000; one signed in July 2026 gets $20,000.
- Personal tests. First home owner, citizen or permanent resident, aged 18 or over, and living in the home.
- Every state compared. The same home and date are checked against every state, so you can see where the grant is largest.
How to use the first home buyers grant calculator
- Choose the state or territory. In WA, also say whether the home is in Perth and the south or north of the 26th parallel.
- Pick the home type. A new home never lived in, a build or house-and-land package, or an established home.
- Enter the price. For a build, add the land price and the building contract together.
- Enter the contract date. The date you sign the contract to buy or build, which sets the amount in some states.
- Tick the statements that apply. Untick any you cannot meet to see how it changes your eligibility.
- Read and compare. Check the grant, the cap and the state comparison, see your deposit with the grant below the calculator, then download a PDF.
What is the First Home Owner Grant (FHOG)?
The First Home Owner Grant is a one-off, tax-free payment from your state or territory government to help you buy or build your first new home. It began nationally on 1 July 2000 and is now set and paid by each state and territory, so the amount, cap and dates differ across Australia.
The grant is usually paid at settlement for a purchase, or with the first progress payment for a build, often through your lender so it counts towards your deposit. It does not have to be repaid unless you break the rules, for example by not moving in.
Who may be eligible?
You may be eligible for the First Home Owner Grant if you are buying or building a new home, neither you nor your spouse or partner has owned a home in Australia, at least one buyer is an Australian citizen or permanent resident, every buyer is 18 or over, and you move in within 12 months.
The first home owner test
You are not a first home owner if you, or your spouse or partner, owned residential property in Australia before 1 July 2000, owned and lived in one for 6 months or more since, or received a grant before. Owning a home overseas does not count. If a partner has owned before, the couple cannot get the grant even if only one of you is buying.
Living in the home
At least one buyer must move in within 12 months of settlement or completion and live there for at least 6 months in a row. In Victoria the requirement is 12 months in a row. Renting the home out first, or buying it as an investment, rules you out.
What counts as a new home
A new home has not been lived in or sold as a home before. It includes off-the-plan apartments, house-and-land packages, building on your own land and, in some states such as NSW, a substantially renovated home. A home built by the seller that has been rented out may not count.
Who cannot get the grant
Companies and trusts cannot receive the grant. Buyers who hold only a temporary visa need a co-buyer who is a citizen or permanent resident.
First home owner grant rules by state
Each state sets its own grant, so the rules below are the details that most often decide whether you qualify.
New South Wales
NSW pays $10,000 for a new home worth up to $600,000, or for building where the land and build together are up to $750,000. NSW first home buyers also pay no transfer duty on homes up to $800,000 under the First Home Buyers Assistance Scheme, which is worth more than the grant for most buyers.
Victoria
Victoria pays $10,000 for a new home worth up to $750,000. You must live in it for 12 months in a row, starting within 12 months. First home buyers also pay no stamp duty on homes up to $600,000, with a concession up to $750,000, on new or established homes.
Queensland
Queensland pays $30,000 for a new home, including land, valued under $750,000. The 2026-27 State Budget continued the $30,000 amount for contracts signed from 1 July 2026, instead of letting it fall to $15,000. First home buyers of a new home also pay no transfer duty, with no price cap.
Western Australia
WA pays $10,000 for a new home. For transactions from 7 May 2026 the cap rose to $800,000 south of the 26th parallel, which includes Perth, and stays at $1,000,000 north of it. A Perth house-and-land package at $780,000 now qualifies; under the old $750,000 cap it did not.
South Australia
South Australia pays $15,000 for a new home with no value cap for contracts from 6 June 2024. First home buyers of an eligible new home in SA also pay no stamp duty, with no price cap.
Tasmania
Tasmania pays $20,000 for a new home for transactions from 1 July 2026 to 30 June 2027, with no value cap. Contracts from 1 July 2025 to 30 June 2026 received $30,000. Tasmania's stamp duty exemption for first home buyers of established homes up to $750,000 ended on 30 June 2026.
Northern Territory
The NT's HomeGrown Territory Grant pays $50,000 to first home buyers who buy or build a new home, with no value cap, for contracts signed from 1 October 2024 to 30 September 2027. It replaced the $10,000 grant, and the $10,000 grant for established homes ended on 30 September 2025.
Australian Capital Territory
The ACT has no First Home Owner Grant. Instead, its Home Buyer Concession Scheme can remove stamp duty for eligible buyers who meet income limits. Check the ACT Revenue Office for the current income thresholds.
Grant vs stamp duty concessions vs federal schemes
The First Home Owner Grant is cash towards a new home; a stamp duty concession reduces the tax you pay on the purchase; and federal schemes help with the deposit or the loan. You can often use all three, and the stamp duty saving is frequently the largest.
| State | First home buyer stamp duty relief |
|---|---|
| NSW | No duty up to $800,000; concession up to $1,000,000 |
| Victoria | No duty up to $600,000; concession up to $750,000 |
| Queensland | No duty on eligible new homes, no cap; concession on established homes |
| Western Australia | No duty up to $600,000; concession up to $800,000, from 7 May 2026 |
| South Australia | No duty on eligible new homes, no cap |
| Tasmania | Established-home exemption ended 30 June 2026 |
| ACT | Home Buyer Concession Scheme, income-tested |
| Northern Territory | Concessions through the Territory Revenue Office |
Federal schemes for first home buyers
The Australian Government's 5% Deposit Scheme lets eligible first home buyers buy with a 5% deposit without paying lenders mortgage insurance, within property price caps for each area. Help to Buy is a shared equity scheme where the government takes up to a 40% share of a new home or 30% of an existing one, with income limits. The First Home Super Saver Scheme lets you save up to $50,000 of voluntary contributions in super towards a deposit.
These are national and work alongside state grants. Use the home loan repayment calculator Australia to see what the loan would cost each month.
Example: estimate support for a first home
Each example uses the calculator's rules for a contract signed in October 2026 unless stated, for buyers who meet every personal test.
Building in Queensland for $680,000
The $680,000 land and build total is under the $750,000 cap, so the grant is $30,000. As a new home it also attracts no transfer duty for first home buyers.
A new NSW apartment just over the cap
A new apartment bought for $620,000 is over NSW's $600,000 cap for buying, so no grant. Building a house for $620,000 on land would qualify for $10,000, because the cap for land and build is $750,000.
A Perth house and land at $780,000
Signed in August 2026, the package is under the new $800,000 cap and gets $10,000. Signed before 7 May 2026, it would have been over the old $750,000 cap and received nothing.
A new Darwin home at $650,000
The HomeGrown Territory Grant has no cap, so a first home buyer signing in October 2026 gets $50,000, the largest grant in Australia.
The same Tasmanian build, two dates
A contract signed on 15 October 2026 gets $20,000. The same contract signed on 15 June 2026 got $30,000, because the higher amount ended on 30 June 2026.
A couple where one partner owned a unit
A Victorian couple building for $700,000 would get $10,000, but one partner owned and lived in a unit for two years. Because a spouse or partner has owned a home, neither can receive the grant.
How to apply and what documents may be needed
Most first home buyers apply for the grant through their lender when arranging the home loan, so it is paid at settlement or with the first build payment. You can also apply directly to your state revenue office, usually within 12 months of settlement or completion.
- Check you qualify. Use this calculator, then the eligibility page of your state revenue office.
- Gather documents. Proof of identity and citizenship or residency for every buyer, the signed contract of sale or building contract, and any land contract.
- Apply through your lender or the revenue office. Your lender lodges it with the loan; otherwise apply online to the revenue office.
- Move in on time. Live in the home within 12 months and for the required period; the revenue office can check and ask for the grant back.
What changed in 2026
Four first home owner grants changed in 2026, so older guides may show the wrong amount.
| State | Change | From |
|---|---|---|
| Western Australia | Cap raised from $750,000 to $800,000 south of the 26th parallel | |
| Queensland | $30,000 grant continued instead of falling to $15,000 | |
| Tasmania | Grant reduced from $30,000 to $20,000; established-home duty exemption ended | |
| Northern Territory | $50,000 HomeGrown grant extended to contracts by 30 September 2027 | 2026 |
Common first home grant mistakes
Most first home buyers who miss out on the grant do so because of the home they choose or the timing of the contract.
- Buying an established home. No state pays the grant on an established home in 2026.
- Leaving out the land price. For a build, the cap covers land and construction together.
- Missing the cap by a few thousand. In Queensland the value must be under $750,000; a $750,000 price does not qualify.
- Forgetting a partner's history. A spouse or partner who has owned a home makes the couple ineligible.
- Using settlement instead of contract date. The contract date sets the amount in Tasmania and the deadline in the NT.
- Renting it out first. You must live in the home within 12 months.
How close is this estimate?
The calculator applies each state's published amount, cap and contract dates as checked on 12 October 2026, and its personal tests match the main national rules. It does not cover every exception, such as substantially renovated homes, owner-builders' milestone rules or members of the Defence Force, so confirm with your revenue office before you sign.
Frequently asked questions
It is available in every state and the Northern Territory, but not in the ACT, which offers a stamp duty concession instead. The amount ranges from $10,000 in NSW, Victoria and WA to $50,000 in the Northern Territory in October 2026.
No. In October 2026 every state and territory pays the grant only for new homes. Buyers of established homes can still get first home buyer stamp duty relief in most states, and federal help such as the 5% Deposit Scheme.
Yes. At least one buyer must be an Australian citizen or permanent resident. A buyer on a temporary visa can apply jointly with a partner who is a citizen or permanent resident, if every buyer meets the other rules.
Usually not. Every buyer, and the spouse or partner of every buyer, must be a first home owner. If your partner owned a home in Australia before 1 July 2000, or owned and lived in one for 6 months since, neither of you can receive the grant.
No. No state or territory grant has an income test, so high earners can receive it. Some stamp duty concessions, such as the ACT's Home Buyer Concession Scheme, and federal Help to Buy do have income limits.
For a completed home it is usually paid at settlement; for a build, with the first progress payment once the slab or foundation is laid. Applying through your lender lets the grant count towards your deposit.
Only if you break the conditions, for example by not moving in within 12 months, not living there for the required time, or giving incorrect information. Tell your revenue office quickly if your plans change.
No. The grant is not counted as income for tax and does not need to go in your tax return.
No. It is an independent calculator from My Easy Calculator, built from each state and territory revenue office's published rules as checked on 12 October 2026. Only your revenue office can confirm and pay the grant.
Sources
- First Home Owner (New Homes) Grant, Revenue NSW. Checked .
- First home owner grant, State Revenue Office Victoria. Checked .
- State Budget 2026: first home owner grant, Queensland Revenue Office, 23 June 2026. Checked .
- About the first home owner grant, RevenueWA. Checked .
- First home owner grant, RevenueSA. Checked .
- First Home Owner Grant: eligibility and amounts, State Revenue Office Tasmania. Checked .
- Buying or building a new home: HomeGrown Territory Grant, Northern Territory Government. Checked .
- First Home Owner Grant, firsthome.gov.au. Checked .
- Legislation: First Home Owner Grant Act 2000 (NSW), First Home Owner Grant and Home Buyer Schemes Act 2000 (Vic), First Home and Other Owner Grants Act 2000 (Qld), First Home Owner Grant Act 2000 (WA), First Home and Housing Construction Grants Act 2000 (SA), First Home Owner Grant Act 2000 (Tas), First Home Owner Grant Act 2000 (NT).
Related calculators
- First home buyer stamp duty calculatorTransfer duty and first home buyer concessions in each state and territory.
- Home loan repayment calculator AustraliaMonthly, fortnightly and weekly repayments, and the lender stress test.
- Land transfer fee calculatorGovernment fees to register your purchase in every state and territory.
- Income tax calculator AustraliaTake-home pay to plan your savings and repayments.
Disclaimer
Calculation methodology sourced from official government publications. See our Editorial Policy for how we build and maintain our calculators.
Results are an estimate of possible grant eligibility, not a decision or financial advice. Grants are set and paid by each state and territory, can change at short notice and have exceptions this calculator does not cover. Confirm with your revenue office before you sign a contract.