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 (property/cost limits apply).

Eligibility (summary)

New homes only; purchase price $600,000 or less. Vacant land: building, combined cost up to $750,000.

Stamp duty

First Home Buyer Assistance: no duty on new/existing homes up to $800,000; concessional up to $1M.

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.

Rates and thresholds last updated for the 2024–25 financial year.

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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