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First Home Owner Grant Calculator

See the First Home Owner Grant and the first-home stamp duty concession you'd get in your state or territory. Pick your state, enter the property value, and we'll show the grant, the duty position and the combined benefit. Free, no signup.

All 8 states & territoriesVerified July 2026Cites the revenue office
Your purchase
What you're paying for the home (or land plus build)
$
Grant in QLD
$30,000
First Home Owner Grant for a new home in Queensland.
First Home Owner Grant$30,000
First-home stamp dutyNo stamp duty
No stamp duty. First home buyers of a new home or vacant land pay nil transfer duty, with no value cap, for contracts on or after 1 May 2025. The state puts the saving at up to $24,525 (established home). For the exact duty on your purchase, use the Queensland duty calculator.
Combined: $30,000 grant plus no stamp duty on this Queensland purchase.
New homes only, valued under $750,000. The $30,000 amount applies to contracts signed on or after 20 November 2023 (it was $15,000 before).
Grant figure verified at qro.qld.gov.au, July 2026. General information, not financial advice. Always confirm with the revenue office before you buy.
Simon Chadwick
Simon Chadwick
Founder, Orbit Money
Method: Grant and concession figures from each state revenue officeUpdated: 15 July 2026Sources: qro.qld.gov.au, revenue.nsw.gov.au, sro.vic.gov.au

How the First Home Owner Grant works

The First Home Owner Grant is a one-off state payment towards buying or building your first home. Each state and territory runs its own scheme, so the amount, the value cap and the rules differ. The common thread is that the grant is for a new or newly built home you have not lived in. Buy an established home and you usually miss the grant, though the first-home stamp duty concession can still apply and is often the bigger saving.

Grant amounts by state, July 2026

Queensland pays $30,000 for a new home under $750,000. The Northern Territory pays $50,000 under its HomeGrown Territory Grant for a new build, with no value cap. South Australia pays $15,000 with the value cap removed. Tasmania pays $20,000 for transactions from 1 July 2026 to 30 June 2027 (then back to $10,000), with no cap. New South Wales, Victoria and Western Australia each pay $10,000 for a new home, with caps between $600,000 and $800,000. The ACT has no grant; instead, eligible first home buyers pay no stamp duty under the Home Buyer Concession Scheme.

Stamp duty is the other half

For most first home buyers the stamp duty concession is worth more than the grant. Queensland and South Australia charge no duty on a new home for eligible first home buyers, with no value cap. NSW gives a full exemption up to $800,000, Victoria up to $600,000, and WA up to $500,000, each with a concessional band above that. Because duty depends on the full state schedule, this tool shows your concession position and links to the official state calculator for the exact dollar figure.

Frequently asked questions

How much is the First Home Owner Grant in each state?
It varies. As of July 2026 it is $30,000 in Queensland, $20,000 in Tasmania (for 1 July 2026 to 30 June 2027, then back to $10,000), $15,000 in South Australia, $10,000 in NSW, Victoria and WA, and $50,000 in the Northern Territory (the HomeGrown Territory Grant). The ACT has no grant and gives first home buyers a full stamp duty exemption instead.
Can I get the First Home Owner Grant for an established home?
In most states, no. The grant is for a new or newly built home you have not lived in. Established homes usually miss the grant but can still qualify for a first-home stamp duty concession, which is often the larger saving.
Is there a property value cap on the grant?
Yes in most states. Queensland caps it under $750,000, Victoria at $750,000, NSW at $600,000 for a newly built home, and WA at $800,000 south of the 26th parallel. South Australia, Tasmania and the Northern Territory have no value cap on the grant.
Do I still pay stamp duty as a first home buyer?
Often not, or much less. Every state has a first-home stamp duty exemption or concession up to a value threshold, and some states charge no duty at all on a new home for first home buyers. The threshold and rules differ by state, so use the calculator and the linked state duty tool for the exact figure.
Can I get the grant and the stamp duty concession together?
Yes. They are separate benefits with separate applications, and eligible first home buyers can usually get both. This calculator shows the grant and the stamp duty position side by side so you can see the combined benefit for your state.
Does the First Home Super Saver scheme affect the grant?
No. The First Home Super Saver (FHSS) scheme lets you save for a deposit inside super, and it sits alongside the grant and stamp duty concessions rather than reducing them. You can use all three together.

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Simon Chadwick
About the author
Simon Chadwick
Founder of Orbit Money

Simon is the founder of Orbit Money, a tool that helps people track subscriptions and recurring spend. He builds Orbit's free money calculators and writes about personal finance for Australian and UK readers.

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This tool is a guide, not financial advice. Grant and stamp duty rules change; confirm the current figures with your state revenue office before you buy.