Do I get the FHOG for an existing home?

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.

Can I use the FHOG with the First Home Super Saver Scheme?

Yes. FHOG is state-based; FHSS is federal. You can use both if you meet each scheme's eligibility.

What if I'm building?

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.

First Home Owner Grant (FHOG)

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.

Select your state or territory

New South Wales

Grant and eligibility summary — verify on the official site before applying.

$10,000maximum grant

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.

Official information and how to apply

How to Use This Calculator

1Select your state or territory
2Read the grant amount and value cap (if any)
3Check the eligibility summary
4Follow the official link to confirm current rules and apply

What is the First Home Owner Grant?

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 Home Guarantee Scheme (deposit as low as 5% without LMI) and the First Home Super Saver Scheme (withdraw saved amounts from super). Those are separate from the FHOG.

Things to know

•Amounts and caps are updated by states — always check the official site for your state before applying
•You generally must be an Australian citizen or permanent resident and never have owned a home in Australia
•Combining FHOG with stamp duty concessions and the Home Guarantee Scheme can reduce upfront costs significantly

Frequently Asked Questions

Official Sources

Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.

About this calculator

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.

What can move this result

It only knows the figures you type in. Offsets, deductions, prior-year losses, other income, your partner's position and anything you have not entered are not in the result, and any of them can move it a long way.
Rates and thresholds change, sometimes mid-year and occasionally with retrospective effect. Each calculator shows the financial year and the verification date it is working from — outside that year the result is wrong rather than approximate.
Assumptions are set to a reasonable default and every non-statutory one can be changed. Defaults are not predictions, and a small change to a growth or inflation assumption compounds into a large change in a long projection.
Where a result reaches two or more years into the future it is shown in today's dollars as well as future dollars, because a future-dollar figure overstates what the money will actually buy.
It is a generic calculator. It is not built around any particular product, it does not compare the market, and it cannot tell you whether a product is suitable for you.

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.

Related Tools

Home Deposit Calculator

See how long to save for your deposit

Stamp Duty Calculator

Estimate stamp duty by state

First Home Super Saver (FHSS)

Withdraw from super for your first home

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About this calculator

What can move this result

It only knows the figures you type in. Offsets, deductions, prior-year losses, other income, your partner's position and anything you have not entered are not in the result, and any of them can move it a long way.
Rates and thresholds change, sometimes mid-year and occasionally with retrospective effect. Each calculator shows the financial year and the verification date it is working from — outside that year the result is wrong rather than approximate.
Assumptions are set to a reasonable default and every non-statutory one can be changed. Defaults are not predictions, and a small change to a growth or inflation assumption compounds into a large change in a long projection.
Where a result reaches two or more years into the future it is shown in today's dollars as well as future dollars, because a future-dollar figure overstates what the money will actually buy.
It is a generic calculator. It is not built around any particular product, it does not compare the market, and it cannot tell you whether a product is suitable for you.