Australian First Home Owner Grant Calculator
Calculate your First Home Owner Grant and stamp duty concessions by state. Includes QLD's $30,000 grant, SA's $15,000, and other state schemes. AUD.
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Total First Home Buyer Benefit
A$45,975
QLD FHOG: $30,000 for new homes valued up to $750,000.
FHOG Grant
A$30,000
Stamp Duty Saving (FHB)
A$15,975
Total Benefit
A$45,975
Eligible for Grant?
Yes
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Compare FHOG amounts across all states, new vs established
FHOG and stamp duty savings for A$650,000 new property across all states.
| State | FHOG Grant | Stamp Duty Saving | Total Benefit | Eligible? |
|---|---|---|---|---|
| Queensland | A$30,000 | A$15,975 | A$45,975 | Yes |
| Victoria | A$10,000 | A$19,247 | A$29,247 | Yes |
| New South Wales | A$0 | A$20,008 | A$20,008 | Yes |
| South Australia | A$15,000 | — | A$15,000 | Yes |
| Western Australia | A$10,000 | — | A$10,000 | Yes |
| Tasmania | A$10,000 | — | A$10,000 | Yes |
| Northern Territory | A$10,000 | — | A$10,000 | Yes |
| ACT | A$0 | — | A$0 | No grant |
Best state for this price: Queensland with A$45,975 in total benefits.
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Professional Simulator
Complete first home budget with all costs and benefits, savings plan
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Total Cash Required (after grants)
A$8,625
After FHOG and stamp duty savings of A$45,975
Deposit: $50,000
Legal Fees: $2,000
Inspections: $600
Moving: $2,000
Total Gross Cost
A$54,600
FHOG Grant
A$30,000
Stamp Duty Saved
A$15,975
Total Benefits
A$45,975
Net Cash Required
A$8,625
After all concessions
Property Price
A$650,000
Australian First Home Owner Grant by State
The First Home Owner Grant (FHOG) is a one-off payment from the state government to help eligible first home buyers purchase or build a new home. Grants are only available for new homes in most states, and price caps apply. Check the current thresholds below — they change periodically.
- NSW: $10,000 for new homes up to $600,000 (or $750K for house+land)
- VIC: $10,000 for new homes up to $750,000; $20,000 in regional Victoria
- QLD: $30,000 for new homes up to $750,000 (as of late 2023)
- WA: $10,000 for new homes (no price cap)
- SA: $15,000 for new homes up to $650,000
- TAS: $10,000 for new homes (no price cap)
- NT: $10,000 for new and established homes (no price cap)
- ACT: No FHOG — but stamp duty concessions for eligible buyers
Example: Queensland First Home Buyer
Sarah buying a new home in Brisbane for $680,000
| Property Price | $680,000 |
| FHOG Grant | $30,000 |
| QLD First Home Concession | $0 (over $650K threshold) |
| Total Grant | $30,000 |
| Deposit Required (5%) | $34,000 |
| FHOG as % of deposit | 88% — nearly covers full deposit |
QLD's $30,000 grant is the most generous in Australia. A buyer with only $4,000 in savings could effectively use the grant as their 5% deposit (subject to lender approval of genuine savings).
Frequently Asked Questions
Yes, in most states the FHOG can be put towards your deposit or used at settlement. For new homes, it's often paid directly to your solicitor/conveyancer on settlement. Some lenders also allow it to be counted towards your deposit — but you may need a minimum amount in "genuine savings" (typically 3–5%) regardless.
The First Home Guarantee (formerly FHLDS) is separate from the FHOG. The federal government guarantees 15% of the loan, allowing eligible buyers to purchase with just 5% deposit and no LMI. It's limited to 50,000 places per year and has income and price caps. You can use it alongside the FHOG.
In most states, no — the FHOG is only available for new homes or substantially renovated homes. The Northern Territory is an exception, offering the grant for established homes too. However, first home buyer stamp duty exemptions and concessions are often available for both new and established homes.