Verified against official sources, July 2026

Every first home buyer grant in Australia, by state.

Each state runs its own grants and duty exemptions, and three federal schemes stack on top in every one of them. Pick your state to see exactly what you can claim, what it is worth at your price point, and how to get it.

Check every scheme in 2 minutes
Aerial view of an Australian suburb with brick homes and gum trees

Pick your state

NSW$10,000Plus $0 duty to $800kVIC$10,000New homes up to $750kQLD$30,000New homes under $750kWA$10,000Plus Keystart 2% depositSA$15,000No price cap on new buildsACTNo dutyDuty abolished for FHBsTAS$20,000New homes, includes top upNT$50,000The largest grant in Australia

Nationwide schemes that stack on top

First Home Guarantee

Buy with a 5% deposit and skip LMI entirely

The government guarantees part of your loan so you avoid Lenders Mortgage Insurance, which often costs $15,000 to $35,000. No income caps and no place limits since October 2025. Price caps depend on where you buy.

All statesNo income capApply via lender
5%Deposit needed
See the deposit map

Help to Buy

The government co-buys up to 40% of your home

A shared equity scheme launched in December 2025. You need just a 2% deposit, and the government takes up to a 40% stake in a new home or 30% in an established one. Income tested at $103,000 for singles and $165,000 for couples since 1 July 2026.

All statesIncome tested2% deposit
40%Max government share
Compare the schemes

First Home Super Saver

Build your deposit inside super, taxed at 15%

Salary sacrifice up to $15,000 a year into super and release up to $50,000 per person when you buy. The tax saving can add thousands to your deposit compared to a regular savings account.

All statesVia the ATOCouples: $100k
$50kMax release per person
How FHSSS works

Figures reflect each scheme as published by the state revenue office or Housing Australia and were last verified in July 2026. Rules change at state budgets and new financial years, so always confirm against the official source before you sign a contract. Each state page links directly to its official sources.