Last updated: April 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, with some states offering significantly higher temporary grants that are set to expire soon. Queensland's $30,000 grant expires 30 June 2026, and the Northern Territory's $50,000 HomeGrown grant expires 30 September 2027.
Expiring Grants — Act Now
$30,000 for new homes under $750,000. Expires 30 June 2026. Reverts to $15,000 after expiry.
$50,000 HomeGrown Territory Grant for new builds. Expires 30 September 2027. Plus $10,000 FHOG for established homes.
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 | 2026-06-30 |
| Western Australia | $10,000 | $750,000 | Yes | Ongoing |
| South Australia | $15,000 | No cap | Yes | Ongoing |
| Tasmania | $30,000 | 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 to 30 June 2026. Reverts to $15,000 after expiry.
Western Australia
$10,000$750k south of 26th parallel, $1M north of 26th parallel
Northern Territory
$50,000HomeGrown Territory Grant: $50k new builds (contracts until 30 Sep 2027). Plus $10k FHOG for established homes.
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, excluding ACT and NT for established homes)
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.
See which schemes you qualify for
Answer a few questions and get a personalised strategy showing every scheme you can stack, how much you could save, and what to do first.
Start the free calculator2 minutes. No sign-up required.
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 notable exception is the NT, where a $10,000 grant is available for established homes. 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.
Will the QLD $30,000 grant be extended?
The QLD government has not announced an extension beyond 30 June 2026. If it expires, the grant reverts to $15,000 for new homes under $750,000.
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.