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First Home Buyer Grants & Concessions Calculator
State stamp duty + FHOG + the federal 5% Deposit Scheme + Help to Buy + FHSS — see your total $ assistance in one screen. All eight states.
State stamp duty + FHOG + the federal 5% Deposit Scheme + Help to Buy + FHSS — see your total $ assistance in one screen. All eight states.
Last reviewed 12 July 2026 · rates and thresholds verified against official FY2026-27 sources.
Buying your first home in 2026 you have access to five distinct programs that stack (mostly):
This calculator shows your eligibility and dollar benefit across all five in one view, so you can compare what each adds and which combinations make sense for your situation.
| State | Full exemption | Sliding partial | Notes |
|---|---|---|---|
| NSW | ≤ $800,000 | $800k–$1,000k | New + established |
| VIC | ≤ $600,000 | $600k–$750k | New + established |
| QLD | ≤ $700,000 (established) | $700k–$800k | New homes: duty nil, no value cap (contracts from 1 May 2025) |
| SA | New builds: no value cap | — | New / off-the-plan / vacant land only; nothing for established |
| WA | ≤ $600,000 | $600k–$800k | New + established; transactions from 7 May 2026 |
| TAS | None | — | Established-home exemption expired 30 Jun 2026 |
| ACT | All prices (HBCS) | — | From 1 Jul 2026: no income test, no value limit |
| NT | House-and-land packages: 100% | — | Contracts to 30 Jun 2027; no relief for established |
QLD note: from 1 August 2026 buyers must be Australian citizens, permanent residents or specified foreign retirees to receive QLD's first-home duty concessions. WA note: the new $600k/$800k home thresholds (and $450k/$550k vacant-land thresholds) apply to transactions from 7 May 2026 — enabling legislation is expected to pass in late July 2026, with duty refunded retrospectively for eligible purchases in the interim. ACT: the Home Buyer Concession Scheme requires no property ownership in the previous 5 years and 12 months' residence — it is no longer income-tested and has no property value limit.
The 5% Deposit Scheme — the rebranded First Home Guarantee — is administered by Housing Australia through a wide panel of participating lenders. If you're eligible, you can purchase with as little as 5% deposit with no LMI — the government guarantees the lender against any shortfall. On a $700,000 purchase you save approximately $25,000 in LMI premium. From 1 October 2025 the scheme was expanded: income caps abolished, place limits removed, and the separate regional and family guarantees folded in.
Checked against scheme settings as at July 2026:
Open for applications since 5 December 2025 through Commonwealth Bank and Bank Australia, with more lenders joining during 2026. The government takes an equity stake of up to 40% on new builds or 30% on established homes in exchange for reducing your borrowing requirement. You contribute as little as 2% deposit.
On a $600,000 new-build purchase:
When you sell or refinance, the government takes its proportional share of capital gain. Income caps from 1 July 2026: $103,000 single / $165,000 for joint applicants or single parents. 10,000 places in FY2026-27. Help to Buy has its own property price caps, which differ from the 5% Deposit Scheme's (e.g. $1.3m in Sydney vs $1.5m; $600k flat in the NT). Mutually exclusive with the 5% Deposit Scheme — you pick one.
Voluntary super contributions of up to $15,000 per year (max $50,000 total per person) can later be withdrawn for your first-home deposit. The tax benefit is the contribution rate: 15% inside super vs your marginal rate (32-47%) outside.
A buyer on $100,000 income contributing $15,000 over 3 years to FHSS pays $6,750 tax inside super vs ~$14,400 outside — a saving of $7,650. Withdrawn amount also accrues "deemed earnings" (roughly the 90-day Bank Bill Swap rate + 3%).
Best for buyers 3-5 years from purchase. Withdrawal application takes ~25 business days — start the paperwork BEFORE you start house hunting. Two-person couple can double the total to $100,000.
The former Regional First Home Buyer Guarantee and Family Home Guarantee were folded into the 5% Deposit Scheme when income caps and place limits were removed on 1 October 2025 — single parents and regional buyers now apply through the same scheme. If you're in a special category (defence, single parent, regional buyer), check Housing Australia's site for details specific to your situation.