Question 1

How much is the First Home Owner Grant in Australia in 2026?

Accepted Answer

The FHOG amount varies by state: QLD offers $30,000 for new builds; NSW, WA, SA and TAS each offer $10,000; VIC offers $10,000 for regional properties (the metro grant was discontinued); ACT and NT have their own first-home buyer assistance schemes. Eligibility requirements and property value caps also differ by state. Use our tool to check your specific state.

Question 2

Can I use the First Home Owner Grant as a deposit?

Accepted Answer

Yes, in most states the FHOG can contribute toward your deposit. However, lenders typically require at least 5% of genuine savings — money that has been in your account for at least 3 months — separate from any grant funds. The grant is usually paid at settlement for existing homes or at the first drawdown for new builds.

Question 3

Do I qualify for the First Home Owner Grant if I'm buying an established home?

Accepted Answer

In most states, the FHOG now applies only to new homes — either newly built homes, off-the-plan purchases, or substantially renovated properties. NSW, QLD and WA are among the states that restrict the grant to new builds. Victoria eliminated the metro grant in 2020 and now only offers it for regional new builds. Always check your state's current eligibility rules, which our tool summarises.

Question 4

How much is the First Home Owner Grant in Queensland in 2026?

Accepted Answer

Queensland offers a $30,000 First Home Owner Grant in 2026 for eligible first home buyers purchasing or building a new home. The property must be valued at $750,000 or less and must be your primary place of residence for at least 12 months after settlement. The QLD grant is one of the highest in Australia and applies to new builds, house-and-land packages, off-the-plan purchases and substantially renovated homes.

Question 5

Can I get the $30,000 First Home Owner Grant for a new build in Brisbane?

Accepted Answer

Yes. If you are buying or building a new home in Brisbane and meet QLD's eligibility criteria — first home buyer, Australian citizen or permanent resident, at least one applicant must be 18 or older, property value $750,000 or under, and intent to live in the property for at least 12 months — you qualify for the $30,000 Queensland FHOG. The grant is paid at first drawdown for construction loans or at settlement for off-the-plan or completed new homes.

Question 6

Is there a First Home Owner Grant for new builds in regional Victoria in 2026?

Accepted Answer

Yes. Victoria offers a $10,000 FHOG for eligible first home buyers purchasing or building a new home in a regional area of VIC. The property must be valued at $750,000 or less and must be your principal place of residence for at least 12 months. The metropolitan Melbourne FHOG was discontinued in 2020, so buyers purchasing new builds within metropolitan Melbourne are not eligible for this grant — though they may still access stamp duty concessions.

Question 7

How much is the First Home Owner Grant in Western Australia and does it apply in Perth?

Accepted Answer

Western Australia offers a $10,000 FHOG in 2026 for eligible first home buyers purchasing or building a new home valued at $750,000 or less. The grant applies statewide — including Perth — and is administered by the WA Office of State Revenue. In addition to the grant, WA first home buyers purchasing a home valued under $430,000 pay no stamp duty, making the combined assistance package particularly valuable for buyers in Perth's outer and middle-ring suburbs.

Question 8

How much is the NSW First Home Owner Grant in 2026?

Accepted Answer

New South Wales offers a $10,000 First Home Owner Grant for eligible buyers purchasing or building a new home valued at up to $600,000, or building a new home where land and construction costs total no more than $750,000. The grant is administered by Revenue NSW and is paid at settlement or first drawdown. NSW first home buyers also benefit from a stamp duty exemption on properties under $800,000 and a reduced rate between $800,001 and $1,000,000 — a separate but often more valuable concession than the grant itself.

First Home Owner Grant (FHOG) Australia 2025

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