Every Australian state and federal grant, concession, and scheme for first home buyers in 2026. From FHOG to the Home Guarantee Scheme — maximise your support.
Buying your first home in Australia doesn't have to mean emptying your savings. Federal and state governments collectively offer tens of thousands of dollars in grants, stamp duty concessions, and guarantee schemes — yet many eligible buyers leave money on the table simply because they don't know what's available.
This guide consolidates every first home buyer incentive across Australia for 2026, so you can stack benefits, plan your budget, and enter the market with confidence. Rates referenced reflect March 2026 conditions (from 5.99% p.a.).
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As of March 2026, the national median dwelling price sits at approximately $820,000 (CoreLogic data). However, first home buyer activity remains robust — ABS lending data shows first home buyer loans account for roughly 28% of all new owner-occupier commitments.
State-by-state FHOG caps and amounts for 2026:
| State | FHOG Amount | Property Cap (New Builds) |
|---|---|---|
| NSW | $10,000 | $600,000 |
| VIC | $10,000 | $750,000 |
| QLD | $30,000 | $750,000 |
| WA | $10,000 | $750,000 |
| SA | $15,000 | $650,000 |
| TAS | $30,000 | $750,000 |
| NT | $10,000 | No cap |
| ACT | Stamp duty concession only | Income-tested |
The Australian government's commitment to first home buyer support makes 2026 one of the most accessible years to enter the market — provided you know how to navigate the system. By combining federal and state incentives, you could reduce your upfront costs by $40,000 or more.
The key is starting early, understanding your eligibility, and working with a broker who can guide you through the application process for each scheme. Every dollar of government support is a dollar you don't have to save or borrow.
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