What can you stack?
Pick your situation and see every scheme that applies, with real figures.
Figures assume you meet the standard first home buyer tests (age, citizenship or permanent residency, no previous property, and living in the home). The two minute checker walks through all of them.
First Home Owner Grant
WA pays a one off $10,000 grant for buying or building a new home. The price cap rose on 7 May 2026: $800,000 south of the 26th parallel, which covers all of Perth, and $1,000,000 north of it. Established homes do not qualify unless substantially renovated.
You need to be 18 or older, at least one applicant must be an Australian citizen or permanent resident, and you must live in the home for at least six continuous months starting within 12 months of completion. Apply within 12 months, through your lender or broker, or directly with RevenueWA.
Official source: wa.gov.au
Stamp duty: the bigger relief has landed
WA first home buyers pay no transfer duty up to $600,000, with a reduced rate running to $800,000. Vacant land is duty free to $450,000, with a concession to $550,000. The old split between Perth and regional WA is gone: one $800,000 ceiling now applies statewide.
The new thresholds apply to contracts signed from 7 May 2026, and RevenueWA switched them on in its systems on 28 July 2026. If you signed on or after 7 May and settled before 28 July, you were assessed at the old thresholds and can now ask RevenueWA to reassess and refund the difference through the Online Services Portal. Anyone settling now is simply charged the new rates.
The budget also unlinked the duty concession from the grant cap, so you can claim duty relief even above the grant threshold.
Official source: wa.gov.au (2026-27 Housing Taxation Package)
Keystart: the 2% deposit state lender
Keystart is WA Government backed lending with a deposit as low as 2% in the metro area and no Lenders Mortgage Insurance ever. It is not only for first home buyers, but it is built for people the banks make wait.
Metro limits: purchase price up to $860,000 with income up to $155,000 for singles and $228,000 for couples and families. Regional and North West limits differ, so check the current tables. The trade off is a higher interest rate than the sharpest bank deals, and many buyers refinance out once they have equity. Our full Keystart guide walks through all eight products, the current income and price limits and when it pays to refinance out.
Official source: Keystart
First Home Guarantee: 5% deposit, no LMI
The federal First Home Guarantee, now marketed as the Australian Government 5% Deposit Scheme, lets you buy with a 5% deposit while the government guarantees the rest, so you skip LMI entirely. No income caps and no place limits since October 2025.
WA price caps: $850,000 for Perth and $600,000 for the rest of the state. Move in within six months of settlement. Apply through your lender or broker, and it stacks with the grant and duty relief.
Official source: firsthomebuyers.gov.au (Housing Australia)
First Home Super Saver Scheme
Build your deposit inside super, taxed at 15% instead of your marginal rate. Contribute up to $15,000 a year voluntarily and release up to $50,000 per person plus associated earnings when you buy. Request the release through the ATO before signing and allow a few weeks. Our First Home Super Saver Scheme guide covers the contribution caps, the release timing and how to apply.
Official source: Australian Taxation Office
Three real price points
The same figures the stamp duty calculator uses, applied to three typical purchases in Western Australia.
A new build in the outer suburbs: grant plus zero duty
- FHOG: $10,000
- Duty saved: $16,815
An established home in the current concession band
- FHOG: not eligible
- Duty saved: $16,815 (you pay $8,075)
Above the duty relief, but inside the Perth 5% scheme cap
- FHOG: not eligible
- Full duty applies: $34,891
How to actually get the money
Run the eligibility checker
Two minutes, every scheme at once, including whether Keystart limits fit your income.
Let your broker lodge the paperwork
The grant and the 5% deposit guarantee both go through your lender. Keystart applications go to Keystart directly or via its brokers.
Duty relief happens at settlement
Your settlement agent claims the first home owner rate. Contracts signed from 7 May 2026 get the better thresholds refunded once the legislation commences.
Keep the residency rules
Move in within 12 months and live there at least six continuous months, or RevenueWA can claw the benefits back.
Straight answers
How much is the first home owner grant in WA in 2026?
The WA First Home Owner Grant is $10,000 for new homes. Since 7 May 2026 the price cap is $800,000 south of the 26th parallel, including all of Perth, and $1,000,000 north of it. Established homes do not qualify.
Do first home buyers pay stamp duty in WA?
Not up to $600,000 under the first home owner rate, with a concession running to $800,000 statewide. These thresholds apply to contracts signed from 7 May 2026 and RevenueWA applied them on 28 July 2026. If you signed on or after 7 May and settled before that date, you were charged the old $500,000 and $700,000 rates and can apply to RevenueWA for a refund of the difference.
What is Keystart and do I need a big deposit?
Keystart is the WA Government backed lender. In the metro area it takes deposits as low as 2% with no Lenders Mortgage Insurance, up to a purchase price of $860,000, income tested at $155,000 for singles and $228,000 for couples. Rates are higher than the banks, and many buyers refinance out later.
Can I combine the WA grant with the duty concession and the 5% deposit scheme?
Yes. On a new home under the caps you can take the $10,000 grant, pay reduced or zero duty, and buy with a 5% deposit under the federal guarantee at the same time. Keystart is an alternative lending path rather than a stackable extra.
How long do I have to live in the property in WA?
At least six continuous months, starting within 12 months of settlement or construction completion, for both the grant and the duty concession.