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Grant amounts and eligibility by state and territory
The FHOG is a one-off payment to eligible first home buyers, usually for new homes. Amounts and rules vary by state — always confirm with your state revenue office before applying.
Value cap: $600,000 — $600,000 for a built house, townhouse or apartment. $750,000 for vacant land plus a comprehensive home building contract.
Eligibility (summary)
New homes only — nobody may have lived in it before. Includes off-the-plan and substantially renovated homes.
Stamp duty
First Home Buyers Assistance Scheme: no duty on a new or existing home up to $800,000, then a sliding concession up to (but not including) $1,000,000.
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
The FHOG is a state and territory government payment to help first home buyers. It is usually paid for new homes (or building) and is subject to value caps and eligibility rules that differ in each state.
The Commonwealth also runs the Australian Government 5% Deposit Scheme — the renamed Home Guarantee Scheme, a deposit as low as 5% with no LMI, subject to a property price cap set per state and territory that differs by area within them — and the First Home Super Saver Scheme (withdraw saved amounts from super). Both are separate from the FHOG and carry their own eligibility rules.
In most states the FHOG is for new homes only (or building). Some states have different rules (e.g. NT). Check your state revenue office.
Yes. FHOG is state-based; FHSS is federal. You can use both if you meet each scheme's eligibility.
Most states pay the grant for building a new home, often with a higher combined land-and-build cap. See your state's official page for building eligibility.
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.
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This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.