Last updated: July 2026
First Home Owner Grant (FHOG) by State 2026
Every Australian state and territory (except the ACT) offers a First Home Owner Grant for eligible first home buyers purchasing new homes. The grant amounts range from $10,000 to $50,000. Queensland's $30,000 grant was extended a further four years in the 2026-27 Queensland Budget and has no announced end date, while Tasmania's grant stepped down from $30,000 to $20,000 from 1 July 2026. The Northern Territory's $50,000 HomeGrown grant for new builds runs until 30 September 2027.
Recent Grant Changes (2026-27)
$30,000 for new homes under $750,000, extended a further four years in the 2026-27 Budget for contracts signed from 1 July 2026 onwards. No end date announced.
Stepped down from $30,000 to $20,000 for transactions commencing 1 July 2026 – 30 June 2027.
$50,000 HomeGrown Territory Grant for new builds, no price cap. Runs until 30 September 2027. The separate $10,000 grant for established NT homes ceased on 30 September 2025.
FHOG Amounts by State
| State | Amount | Value Cap | New Build Only | Expiry |
|---|---|---|---|---|
| New South Wales | $10,000 | $600,000 | Yes | Ongoing |
| Victoria | $10,000 | $750,000 | Yes | Ongoing |
| Queensland | $30,000 | $750,000 | Yes | Ongoing |
| Western Australia | $10,000 | $800,000 | Yes | Ongoing |
| South Australia | $15,000 | No cap | Yes | Ongoing |
| Tasmania | $20,000 | No cap | Yes | Ongoing |
| Northern Territory | $50,000 | No cap | Yes | 2027-09-30 |
| Australian Capital Territory | No FHOG (uses Home Buyer Concession Scheme instead) | |||
State-by-State Details
New South Wales
$10,000Cap is $600k for homes, $750k for house-and-land packages
Queensland
$30,000Extended a further four years in the 2026-27 Queensland Budget for contracts signed from 1 July 2026 onwards.
Western Australia
$10,000$800k south of 26th parallel, $1M north of 26th parallel
Tasmania
$20,000Amount is set by transaction commencement date. $20,000 for transactions commencing 1 July 2026 – 30 June 2027.
Northern Territory
$50,000HomeGrown Territory Grant: $50k for new builds, no price cap (contracts until 30 Sep 2027).
Common FHOG Eligibility Rules
While each state has specific rules, the common eligibility criteria across most states include:
- Must be at least 18 years old
- Must be an Australian citizen or permanent resident
- Must not have previously received a FHOG in any state
- Must not have previously owned residential property in Australia (some states allow prior ownership in specific circumstances)
- Must live in the property as your principal residence (typically within 12 months and for at least 6-12 months continuously)
- Property must be a new home in most states (the ACT has no FHOG at all)
Stacking FHOG with Other Schemes
The FHOG stacks with virtually all other first home buyer schemes. You can combine it with the FHSS, the First Home Guarantee, Help to Buy, and state stamp duty concessions. The grant is typically applied at settlement through your lender. See our complete guide to stacking schemes.
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Stamp Duty Concessions by State
In addition to the FHOG, each state offers its own stamp duty concessions for first home buyers. Check the stamp duty rates for your state:
Frequently Asked Questions
Can I get the FHOG for an established home?
In most states, the FHOG is only available for new homes. The NT's $50,000 HomeGrown Territory Grant is also new-build only - the separate $10,000 grant that used to be available for established NT homes ceased for contracts signed after 30 September 2025 and is no longer available. The ACT has no FHOG at all, using the Home Buyer Concession Scheme instead.
Can both partners in a couple get the FHOG?
No. Only one FHOG is available per transaction, regardless of whether you are buying as an individual or as a couple.
Is the QLD $30,000 grant still available?
Yes. The 2026-27 Queensland Budget extended the $30,000 first home owner grant a further four years for eligible contracts signed from 1 July 2026 onwards. There is no announced expiry date.
How do I apply for the FHOG?
In most states, you apply through your lender at the time of your home loan application. The grant is typically applied at settlement. Some states also allow direct application through the state revenue office.
Disclaimer: This information is general in nature and does not constitute financial, legal, or tax advice. Calculations are estimates only and may not reflect your exact circumstances. Eligibility criteria and dollar amounts may change without notice. Always verify with the relevant government authority, your mortgage broker, or a licensed financial adviser before making decisions.