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First home buyer grants and concessions by state

Last checked

As at Next check
Short answer

First home buyer support comes in two layers. Federal schemes, the 5% Deposit Scheme and Help to Buy, are run nationally. Each state and territory adds its own grants and stamp duty concessions, and these differ widely. The table compares all eight, with every figure linked to the official page we checked and the date we checked it.

Changed in 2026: Tasmania cut its grant to $20,000 and ended established-home duty relief. The ACT removed stamp duty for eligible buyers. WA raised its grant cap.

First home buyer grants and stamp duty concessions by state and territory, as at 14 Oct 2026
State or territoryFirst home owner grantStamp (transfer) dutyWorth knowingOfficial source
Australian Capital Territory (ACT) #No first home owner grant (none for transactions from 1 July 2019).Home Buyer Concession Scheme: no duty for eligible buyers from 1 July 2026, with no property value cap and no income test. New homes, established homes and vacant residential land all qualify.Not limited to first home buyers: you and your partner must not have owned property in the last 5 years, and one of you must live in the home for 12 months. ACT guide: worked example and FAQACT Revenue Office: First Home Owner Grant ACT Revenue Office: About the Home Buyer Concession Scheme Checked
New South Wales (NSW) #$10,000 for a new home only: purchase price up to $600,000, or up to $750,000 combined to build.No transfer duty up to $800,000 and a concessional rate below $1 million, for new and existing homes. Vacant land: no duty up to $350,000, concession below $450,000.Not available for established homes (grant). Residence requirements apply. NSW guide: worked example and FAQRevenue NSW: First Home Owner (New Homes) Grant Revenue NSW: First Home Buyers Assistance Scheme Checked
Northern Territory (NT) #HomeGrown Territory Grant: $50,000 to buy or build a new home, with no price cap, for contracts signed 1 October 2024 to 30 September 2027.No first-home-buyer duty concession listed. The House and Land Package Exemption (any buyer, no cap, contracts to 30 June 2027) removes duty on eligible house and land packages.The $10,000 grant for established homes covered contracts signed to 30 September 2025 only. NT guide: worked example and FAQNT Government: Buying or building a new home: HomeGrown Territory NT Government: Stamp duty exemption (House and Land Package Exemption) NT Government: Home owner assistance Checked
Queensland (QLD) #$30,000 for a new home valued under $750,000 (contracts signed from 20 November 2023; continued for contracts from 1 July 2026).New homes and vacant land: no duty, no value cap (contracts from 1 May 2025). Existing homes: no duty up to $700,000, concession for homes under $800,000.From 1 August 2026, home concessions are limited to Australian citizens, permanent residents and specified foreign retirees. Queensland guide: worked example and FAQQueensland Revenue Office: First home owner grant eligibility criteria Queensland Revenue Office: State Budget 2026 Queensland Revenue Office: First home (new home) concession Queensland Revenue Office: First home concession Checked
South Australia (SA) #Up to $15,000 for a new home, with no property value cap for contracts from 6 June 2024.Full stamp duty relief on a new home, off-the-plan apartment or vacant land to build on, regardless of value (contracts from 13 February 2025). No relief on established homes.Relief does not apply to the foreign ownership surcharge. SA guide: worked example and FAQRevenueSA: Eligible properties (First Home Owner Grant) RevenueSA: Stamp duty relief available Checked
Tasmania (TAS) #$20,000 for a new home (built under contract, by an owner-builder, off the plan or newly built) where the transaction starts between 1 July 2026 and 30 June 2027 (it was $30,000 in 2025-26). SRO Tasmania lists no property value cap.No first home buyer duty relief for settlements after 30 June 2026 (the established-home exemption has ended).The home must be completed within 24 months of the contract to build or of laying the foundations. Tasmania guide: worked example and FAQState Revenue Office Tasmania: First Home Owner Grant eligibility Tasmanian Legislation: First Home Owner Grant Amendment Act 2026 (s 18M) State Revenue Office Tasmania: First home buyers of established homes duty relief Checked
Victoria (VIC) #$10,000 to buy or build a new home valued up to $750,000.No duty up to $600,000 and reduced duty from $600,001 to $750,000, for new or established homes and vacant land to build a first home.Residence requirements apply. Victoria guide: worked example and FAQState Revenue Office Victoria: First home owner State Revenue Office Victoria: First home buyer duty exemption or concession Checked
Western Australia (WA) #Up to $10,000 for a new home only: value cap $800,000 south of the 26th parallel, $1,000,000 north (from 7 May 2026).No duty up to $600,000 and concessional duty up to $800,000 for homes; vacant land no duty up to $450,000, concession up to $550,000 (from 7 May 2026).No income or assets test for the grant. WA guide: worked example and FAQGovernment of Western Australia: About the first home owner grant Government of Western Australia: Duties Fact Sheet: First Home Owner Rate Checked

Download this table (CSV). You may reuse it under CC BY 4.0 with a link back to this page.

Check before you rely on it. Each scheme's eligibility rules, dates and caps are set by the state or territory revenue office and change from time to time. Confirm your eligibility with the official page linked in each row. General information only. It does not take into account your objectives, financial situation or needs, and it is not a recommendation to enter into any credit contract. Eligibility is decided by the scheme administrator and the lender.

State guides

Australian Capital Territory, New South Wales, Northern Territory, Queensland, South Australia, Tasmania, Victoria and Western Australia each have a fuller guide:

Each guide has the limits in a table, a worked example and a link to the official stamp duty calculator. It also shows how the state's help fits with the federal price caps.

Federal schemes run nationally

Two Australian Government schemes, both run by Housing Australia, sit on top of the state support above. The 5% Deposit Scheme lets eligible first home buyers buy with a 5% deposit without lenders mortgage insurance. Help to Buy is a shared equity scheme in which the government pays part of the price. Each has its own property price caps by state.

How we keep this current

We read every row against the revenue office page linked beside it and record the date we checked it. The full table is re-checked every 14 days; if a check is overdue, the badge at the top turns to "Being re-checked". The "as at" date only moves when every row has been checked again, and we log each dated change of fact below. Where we could not confirm something first-hand, the row says so.

What changed

Page history: : Tracker created. All eight states and territories checked against their revenue office pages. : All eight rows re-checked against the official pages, with no change of fact. Every state and territory except the ACT now has its own guide.

Not sure what you qualify for?

Zafar can check the federal and state rules for where you are buying, and how they fit with a loan from his lender panel.

Ask Zafar to check Call 0402 357 860

Sources

  1. ACT Revenue Office, First Home Owner Grant. Retrieved .
  2. ACT Revenue Office, About the Home Buyer Concession Scheme. Retrieved .
  3. Revenue NSW, First Home Owner (New Homes) Grant. Retrieved .
  4. Revenue NSW, First Home Buyers Assistance Scheme. Retrieved .
  5. NT Government, Buying or building a new home: HomeGrown Territory. Retrieved .
  6. NT Government, Stamp duty exemption (House and Land Package Exemption). Retrieved .
  7. NT Government, Home owner assistance. Retrieved .
  8. Queensland Revenue Office, First home owner grant eligibility criteria. Retrieved .
  9. Queensland Revenue Office, State Budget 2026. Retrieved .
  10. Queensland Revenue Office, First home (new home) concession. Retrieved .
  11. Queensland Revenue Office, First home concession. Retrieved .
  12. RevenueSA, Eligible properties (First Home Owner Grant). Retrieved .
  13. RevenueSA, Stamp duty relief available. Retrieved .
  14. State Revenue Office Tasmania, First Home Owner Grant eligibility. Retrieved .
  15. Tasmanian Legislation, First Home Owner Grant Amendment Act 2026 (s 18M). Retrieved .
  16. State Revenue Office Tasmania, First home buyers of established homes duty relief. Retrieved .
  17. State Revenue Office Victoria, First home owner. Retrieved .
  18. State Revenue Office Victoria, First home buyer duty exemption or concession. Retrieved .
  19. Government of Western Australia, About the first home owner grant. Retrieved .
  20. Government of Western Australia, Duties Fact Sheet: First Home Owner Rate. Retrieved .

Common questions

Which states pay a first home owner grant?

As at 14 Oct 2026, seven states and territories pay a grant for a new home, with conditions. They are New South Wales, Victoria, Queensland, Western Australia, South Australia, Tasmania and the Northern Territory. The ACT has no first home owner grant; its Home Buyer Concession Scheme removes stamp duty instead.

Do first home buyers pay stamp duty?

It depends on the state or territory, the price and whether the home is new. Several states remove duty below a price threshold, some only for new homes. Tasmania ended its first home buyer duty relief for settlements after 30 June 2026. Check the row for where you are buying.

How often is this table checked?

Every 14 days. Each row shows the date it was last checked against the official page.

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