First Home Grants Calculator
See the grant, the stamp duty saving, and the federal schemes you could access as a first home buyer in 2026, all in one figure.
See your first home support
Choose your state and price. We will add up the grant and the stamp duty saving you may be entitled to.
Guide only. Not financial advice. Grants, caps, and eligibility change and depend on your circumstances. Confirm with your state revenue office or a professional.
What grants can a first home buyer get?
First home buyers can access several forms of help that often stack together. The main ones are the First Home Owner Grant, a cash grant for new homes worth between $10,000 and $30,000 depending on the state; a stamp duty exemption or concession; the First Home Guarantee, which allows a 5% deposit with no LMI; the Help to Buy shared equity scheme; and the First Home Super Saver Scheme for building a deposit inside super. The calculator above adds the grant and the stamp duty saving into one figure.
People searching this also ask: “first home buyer grants”, “how much is the first home owner grant”, and “first home buyer schemes 2026”.
Most buyers focus on the cash grant and miss that the stamp duty saving is often worth far more. In South Australia, for example, the grant on a new home is $15,000, but the stamp duty saved can be close to $30,000. Looking at the total support, rather than the grant alone, gives you a truer picture of what assistance is on the table.
First Home Owner Grant by state in 2026
The First Home Owner Grant is a one-off cash grant for new homes, and the amount varies by state. In 2026 it is around $10,000 in NSW, Victoria and WA, $15,000 in South Australia, and $30,000 in Queensland and Tasmania. The ACT offers a stamp duty concession instead of a cash grant. Most states apply a property price cap, and the grant generally does not apply to established homes.
| State | Grant (new homes) | Notes |
|---|---|---|
| NSW | $10,000 | New homes, value caps apply |
| VIC | $10,000 | New homes up to $750,000 |
| QLD | $30,000 | New homes up to $750,000, time-limited |
| WA | $10,000 | New homes, regional caps apply |
| SA | $15,000 | New homes up to $650,000 |
| TAS | $30,000 | New homes, no price cap |
| ACT | No cash grant | Stamp duty concession instead |
| NT | $10,000 | New homes, larger territory grants may apply |
Grant amounts, price caps, and closing dates change regularly, and some are extended year to year. Always confirm the current amount and your eligibility with your state revenue office or your broker before signing a contract.
The federal schemes
On top of the state grant, the federal government runs several schemes that any first home buyer can consider regardless of state. The biggest for most buyers is the First Home Guarantee, which removes the need for LMI on a 5% deposit. There is also Help to Buy, a shared equity scheme, and the First Home Super Saver Scheme, which lets you save toward a deposit inside superannuation.
| Scheme | What it does |
|---|---|
| First Home Guarantee | Buy with a 5% deposit and pay no LMI. The government guarantees part of the loan |
| Family Home Guarantee | For eligible single parents, buy with as little as a 2% deposit and no LMI |
| Help to Buy | Shared equity. The government takes a stake of up to 40% of a new home or 30% of an existing one, reducing your loan |
| First Home Super Saver | Save toward your deposit inside super and withdraw eligible contributions, with tax advantages |
For most first home buyers the First Home Guarantee is the standout, because avoiding LMI on a low deposit can save more than the cash grant itself. It is worth confirming your eligibility before assuming you need a 20% deposit.
Why new versus established matters
The First Home Owner Grant is built around new construction, so it generally applies to new homes, off-the-plan purchases, and house and land packages, not established homes. This is why the calculator includes a new or off-the-plan toggle. If you buy established, you usually miss the cash grant, but you can still receive a stamp duty concession and use the federal schemes.
This makes the new versus established decision more than a lifestyle choice. In some states the difference between a new and an established home can be the grant plus a full stamp duty exemption, which together can be worth tens of thousands. It belongs in your numbers from the start, not as an afterthought.
Even without the grant, an established home can still attract a stamp duty exemption or concession in most states, and you can still use the First Home Guarantee to avoid LMI. The support is smaller, but it is far from nothing.
Stacking your support
In many cases these forms of help stack. A first home buyer building a new home can often receive the First Home Owner Grant, a stamp duty concession, and use the First Home Guarantee to avoid LMI at the same time. Some schemes are mutually exclusive or means tested, so the right combination depends on your situation.
Working out the best stack is exactly where a broker earns their keep, because the optimal mix is not always the most obvious one. A larger grant on a new home might come with a higher price and more duty, while an established home with a full duty exemption and the First Home Guarantee can sometimes leave you better off overall. Running the combinations is the point.
General information only. This calculator provides indicative estimates based on simplified 2026 First Home Owner Grant amounts and first home stamp duty thresholds for each state. It is not financial advice, a quote, or a guarantee, and your personal circumstances have not been considered. Grant amounts, price caps, eligibility criteria, scheme places, and closing dates change regularly and vary by circumstance, and some grants apply only to new homes within specific value limits. Eligibility for the First Home Guarantee, Family Home Guarantee, Help to Buy, and the First Home Super Saver Scheme is subject to separate criteria and limits. Always confirm current grants and your eligibility with the relevant state revenue office, 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.