First Home Owner Grant 2026-27 by State

First Home Owner Grant Australia 2026-27 by state

First Home Owner Grant amounts in 2026-27 range from $10,000 in NSW, Victoria, and WA to $50,000 in the Northern Territory. Queensland extended its boosted $30,000 grant for four more years, Tasmania cut its grant from $30,000 to $20,000, and the ACT offers no FHOG at all — providing a full stamp duty waiver instead. Every state's FHOG is for new builds only.

Data in this article is sourced from state revenue offices and 2026-27 state budget papers as at 5 July 2026.

What the FHOG is (and isn't)

The First Home Owner Grant is a one-off, tax-free cash payment from your state or territory government when you buy or build your first home. It is separate from stamp duty concessions and federal schemes like the First Home Guarantee. In most cases, you can combine all three.

Key points across all jurisdictions:

Only available for new builds or substantially renovated homes (not established homes)
You must be a first home buyer (never owned residential property in Australia)
You must live in the home as your principal place of residence (usually for 6-12 months)
At least one applicant must be an Australian citizen or permanent resident
You must be 18 or older

State-by-state FHOG comparison

New South Wales: $10,000

Amount: $10,000
Price caps: New home purchase $600,000; vacant land plus building contract combined $750,000; substantially renovated home $600,000
No changes announced in the 2026-27 Budget
Available through your lender or Revenue NSW

Victoria: $10,000

Amount: $10,000
Price cap: New homes up to $750,000
No changes announced in 2026-27 Budget
Forgone revenue on FHB concessions: $740 million

Queensland: $30,000

Amount: $30,000
Price cap: Combined home and land must be under $750,000
Extended for four more years (to approximately mid-2030) with $72 million in funding
Was due to drop to $15,000 on 30 June 2026 — the extension prevented this cliff
Practical note: many house-and-land packages in Brisbane growth corridors exceed the $750,000 cap
Can be stacked with $0 stamp duty on new builds and federal FHG

Western Australia: $10,000

Amount: $10,000
Price caps: $800,000 south of 26th parallel (up from $750,000); $750,000 north
FHOG eligibility decoupled from FHO rate of duty value cap from 7 May 2026
Combined benefit with stamp duty exemption can reach $35,390

South Australia: $15,000

Amount: $15,000
No price cap for contracts on or after 6 June 2024
Available for new builds only (newly constructed, off-the-plan, owner-builder)
Application deadline: 12 months from completion
Eligibility tightened 13 February 2025: any prior property ownership in Australia disqualifies

Tasmania: $20,000 (down from $30,000)

Amount: $20,000 (reduced from $30,000 from 1 July 2026)
Structure: $10,000 base plus $10,000 additional
No explicit price cap, but building requirements may apply
Legislated via the First Home Owner Grant Amendment Bill 2026 (passed June 2026)
Must not have owned residential property before 1 July 2000, and must not have owned AND occupied residential property for more than 6 months after 1 July 2000

Australian Capital Territory: $0 (no FHOG)

Amount: None — replaced by full stamp duty waiver (Home Buyer Concession Scheme)
Stamp duty: Fully abolished for all first home buyers from 1 July 2026, no price or income caps
The HBCS is the first jurisdiction-wide FHB stamp duty elimination in Australia

Northern Territory: $50,000 (HomeGrown)

Amount: $50,000 (HomeGrown Territory Grant) — the largest FHOG-type grant in Australia
No price cap on build or purchase price
Extended to 30 September 2027 (contract deadline); application deadline 30 September 2028
Replaces the $10,000 base FHOG for first home buyers
Available for building a new home, buying a new home, new transportable home, off-the-plan, and owner-builders
Can be released early through a financial institution to help with deposit
FreshStart New Home Grant: $30,000 for existing homeowners (not first home buyers) building or purchasing a new home — extended to 30 September 2027

What changed in 2026-27

The following changes took effect or were announced for the 2026-27 year:

Queensland: $30,000 grant extended 4 years (was set to halve to $15,000). $0 stamp duty on new builds locked into permanent law.
Tasmania: Grant reduced from $30,000 to $20,000 from 1 July 2026. Full stamp duty exemption window for established homes up to $750,000 closed on 30 June 2026.
Western Australia: Property cap increased from $750,000 to $800,000 south of 26th parallel. FHOG eligibility decoupled from duty value cap.
South Australia: No FHOG changes, but prior ownership rules tightened in February 2025.
NT: HomeGrown Territory Grant ($50,000) and FreshStart ($30,000) extended to September 2027.

Stacking FHOG with other support

The FHOG is almost always stackable with:

State stamp duty concessions or exemptions
Federal First Home Guarantee (5% deposit, no LMI)
Federal Help to Buy (2% deposit, shared equity)
First Home Super Saver Scheme (up to $50,000 from super)

This creates a layered support structure that can substantially reduce the cost of entry into home ownership. In the most favourable jurisdiction (Queensland), a first home buyer purchasing a new build can combine:

$30,000 FHOG
Approximately $30,000+ in stamp duty savings ($0 stamp duty)
First Home Guarantee (saving $10,000+ in LMI)
FHSS (up to $50,000 from super for deposit)

Total effective support: well over $100,000.

FAQ

Can I get the FHOG if I buy an established home?

No. In every state and territory, the FHOG is for new builds or substantially renovated homes only. Established home buyers may still be eligible for stamp duty concessions.

How long do I have to live in the property to keep the FHOG?

Typically 12 continuous months commencing within 12 months of settlement or completion. Tasmania requires 6 continuous months. Failure to meet the occupancy requirement can result in the grant being clawed back.

Can I apply for FHOG in a state where I don't live?

No. The FHOG is available only in the state or territory where you purchase and occupy the property as your principal place of residence. You must meet that jurisdiction's residency and eligibility criteria.

What happens if my property value exceeds the FHOG price cap?

You are not eligible for the grant. In states with a price cap, the entire property value (home plus land) must fall under the cap. In SA and NT, there is no price cap for new builds.

Is the FHOG taxable?

No. The FHOG is a tax-free, non-assessable, non-exempt government grant. It does not need to be declared as income on your tax return.