First Home Buyer Grants in South Australia
The grant, the stamp duty rules, and the federal schemes that South Australian first home buyers can use in 2026, explained simply and shown as a single figure.
See your SA first home support
Move the slider to your price and choose new or established. We will add the grant and the stamp duty saving you may be entitled to in South Australia.
What help can a first home buyer get in South Australia?
South Australia first home buyers may be entitled to several forms of help that often stack together. The main ones are the $15,000 First Home Owner Grant, a full stamp duty exemption on a new home with no price cap, HomeStart low deposit and shared equity options, and the federal schemes such as the First Home Guarantee, Help to Buy and the First Home Super Saver Scheme.
How much is the First Home Owner Grant in South Australia?
The First Home Owner Grant in South Australia is $15,000 for eligible first home buyers who buy or build a new home, with no property price cap and no income test. It does not apply to established homes.
| Feature | SA |
|---|---|
| Grant amount | $15,000 |
| Property price cap | No price cap |
| Administered by | RevenueSA |
Do first home buyers pay stamp duty in South Australia?
Eligible first home buyers in South Australia pay no stamp duty when they buy or build a new home, with no price cap. Established homes do not currently receive a first home buyer stamp duty concession in South Australia.
Because the duty exemption scales with the price of the new home and has no cap, on a higher value new build the duty saving can be worth more than the grant itself.
Federal schemes for South Australia first home buyers
On top of any state help, South Australia first home buyers can use the First Home Guarantee, which lets eligible buyers purchase with a 5 percent deposit and pay no lenders mortgage insurance, with a property price cap of $900,000 in Adelaide and large regional centres, and $500,000 in the rest of South Australia. There is also Help to Buy shared equity and the First Home Super Saver Scheme.
HomeStart Finance is the South Australian Government lender. You may be able to buy from a 5 percent deposit, or from a 2 percent deposit with the Graduate Loan if you hold a Certificate III or higher qualification, plus a Shared Equity Option, all with no lenders mortgage insurance.
See the grants and schemes you may qualify for
Answer a few quick questions and we can confirm your first home options across a panel of more than 70 lenders.
Check Your First Home Options
A few quick questions, no obligation.
What is your goal?
Tell us a bit more about the plan
How do you earn your income?
How is your credit score?
This helps us match you to the right lender from the start.
Last step. Where should we send your options?
Your information is private and we will never share it.
By submitting, you agree to be contacted by one of our team of licensed mortgage brokers. No obligation. No spam.
You're all set.
We've received your details. One of our friendly brokers will reach out within 1 business day to help guide you through your options.
First home buyer grants in South Australia: top questions
How much is the First Home Owner Grant in South Australia?
The South Australian First Home Owner Grant is $15,000 for eligible first home buyers who buy or build a new home. There is no property price cap and no income test. It does not apply to established homes.
Is there a property price cap on the South Australian grant?
No. South Australia removed the property price cap on the First Home Owner Grant, so the full $15,000 may be available on an eligible new home regardless of the build or purchase price.
Do first home buyers pay stamp duty in South Australia?
Eligible first home buyers in South Australia pay no stamp duty when they buy or build a new home, with no price cap. Established homes do not currently receive a first home buyer stamp duty concession.
Can I get the grant on an established home in South Australia?
Generally no. The grant and the first home buyer stamp duty exemption are for new homes, off the plan purchases and house and land packages. If you buy an established home you usually will not receive either.
What is HomeStart Finance and how does it help?
HomeStart Finance is the South Australian Government lender. You may be able to buy from a 5 percent deposit, or from a 2 percent deposit with the Graduate Loan, plus a Shared Equity Option, all with no lenders mortgage insurance.
Can first home buyers use the First Home Guarantee in South Australia?
Yes. The First Home Guarantee lets eligible buyers purchase with a 5 percent deposit and pay no lenders mortgage insurance. The South Australian price cap is $900,000 in Adelaide and large regional centres, and $500,000 in the rest of the state.
Do I have to live in the home to receive the grant?
Yes. At least one applicant must live in the home as their principal place of residence for a continuous period of at least 6 months, starting within 12 months of settlement or completion. The grant is for owner occupiers.
Who is eligible for the First Home Owner Grant in South Australia?
You must be a person rather than a company or trust, be at least 18, and at least one applicant must be an Australian citizen or permanent resident. You and your partner must not have previously owned residential property in Australia or received the grant before.
How do I apply for the First Home Owner Grant in SA?
Most people apply through an approved agent, usually their lender, at the same time as the home loan, and the grant is arranged at settlement or the first construction payment. You can also apply directly to RevenueSA within 12 months of settlement or completion.
Can I combine the grant with other first home buyer schemes?
Often yes. A first home buyer building a new home in South Australia can frequently receive the $15,000 grant, pay no stamp duty on the new build, and use the First Home Guarantee to avoid LMI at the same time. Some schemes interact differently.
When is the First Home Owner Grant paid in South Australia?
When you buy a completed new home the grant is generally paid at settlement. When you have a building contract it is usually paid at the first construction progress payment. The timing depends on whether you are buying or building.
What counts as a new home for the SA grant?
A new home is one that has not previously been lived in or sold as a place of residence. That includes a brand new build, an off the plan apartment, and a house and land package. Established homes that have been lived in before do not qualify.
How does Help to Buy work for South Australian buyers?
Help to Buy is a federal shared equity scheme. The government contributes up to 40 percent of the price of a new home or 30 percent of an existing home in exchange for an equity share, which reduces your loan. Income and place limits apply.
Can I use the First Home Super Saver Scheme in SA?
Yes. The First Home Super Saver Scheme is federal and available in South Australia. You can withdraw up to $50,000 of eligible voluntary super contributions, plus earnings, to put towards your deposit, subject to the scheme rules.
Can I get the grant on an off the plan apartment in SA?
Yes. An off the plan apartment or townhouse counts as a new home, so it can qualify for the $15,000 grant and the first home buyer stamp duty exemption, as long as it has not been previously occupied and you meet the other criteria.
General information only. This page provides general information based on first home buyer settings current in 2026. It is not financial advice, a quote, or a guarantee, and your personal circumstances have not been considered. Grant amounts, caps, eligibility and scheme places change and vary by circumstance, and some help applies only to new homes. Always confirm current grants and your eligibility with RevenueSA, Housing Australia, or a licensed mortgage broker. Ross McFarlane (Credit Representative 526725) is an authorised Credit Representative of Australian Associated Advisers Pty Ltd t/a Keylend, Australian Credit Licence 392169.