The First Home Owner Grant (FHOG) varies by state and territory in Australia. Each has its own rules regarding eligibility, grant amount, and property value caps. Here’s a breakdown of the current FHOG rules (as of May 2025) across each state and territory:

🟦 New South Wales (NSW)

• Grant Amount: $10,000

• Eligible Properties: New homes only (newly built, off-the-plan, or substantially renovated)

• Property Price Cap:

  • New homes: ≤ $750,000

• Other Notes: No grant for existing homes. Exemptions or concessions may apply for stamp duty on homes ≤ $800,000.

🟩 Victoria (VIC)

• Grant Amount: $10,000

• Eligible Properties: New homes only

• Property Price Cap: ≤ $750,000

• Other Notes: Additional regional boost has ended. Stamp duty concessions available for homes ≤ $600,000 (partial up to $750,000).

🟧 Queensland (QLD)

• Grant Amount: $30,000 (increased until June 30, 2025)

• Eligible Properties: New homes, off-the-plan, or substantial renovations

• Property Price Cap: ≤ $750,000

• Other Notes: Available for houses, townhouses, and units. Not available for established properties.

🟥 South Australia (SA)

• Grant Amount: $15,000

• Eligible Properties: New homes only

• Property Price Cap: ≤ $650,000

• Other Notes: Includes house and land packages or owner-builder constructions.

🟨 Western Australia (WA)

• Grant Amount: $10,000

• Eligible Properties: New homes or off-the-plan

• Property Price Cap:

  • South of 26th parallel: ≤ $750,000

  • North of 26th parallel: ≤ $1,000,000

• Other Notes: Can be used alongside stamp duty concessions.

🟫 Tasmania (TAS)

• Grant Amount: $30,000 (extended to 30 June 2025)

• Eligible Properties: New homes or off-the-plan

• Property Price Cap: No specific cap

• Other Notes: Also available to owner-builders.

⬛ Australian Capital Territory (ACT)

• Grant Amount: No FHOG – replaced by targeted stamp duty concessions

• Eligibility: Based on income, property value, and number of dependents

• Other Notes: First Home Buyer Assistance Scheme waives or reduces stamp duty for new or established homes.

⬜ Northern Territory (NT)

• Grant Amount: $10,000

• Eligible Properties: New homes only

• Property Price Cap: No cap

• Other Notes: May be combined with additional incentives like the Home Renovation Grant and Household Goods Grant.

✅ Key Reminders for All States:

• Must be an Australian citizen or permanent resident (or applying jointly with one)

• Must live in the home as your principal place of residence for at least 6–12 months (depending on state)

• Must be a first-time home buyer (not previously owned property in Australia)

• Grant is typically paid at settlement or first construction drawdown

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