Complete guide to first home buyer grants, schemes, and strategies in NSW for 2026. Learn how to access up to $65,000 in government support.
New South Wales offers the most comprehensive first home buyer support in Australia, with combined state and federal grants reaching up to $65,000 for eligible buyers. This guide breaks down every grant, scheme, and strategy available to NSW first home buyers in 2026.
Whether you're buying in Greater Sydney, regional NSW, or planning for the future, understanding these incentives can make the difference between renting forever and owning your first home.
NSW has increased property price caps for stamp duty exemptions, expanded regional eligibility, and streamlined application processes. These changes make 2026 one of the best years to buy your first home in NSW.
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What you can ask:
| Region | Median Price | Available Grants | Total Support |
|---|---|---|---|
| Greater Sydney | $1,100,000 | Stamp duty savings | Up to $40,000 |
| Regional NSW | $650,000 | FHOG + Stamp duty | Up to $65,000 |
| Newcastle | $850,000 | FHOG + Stamp duty | Up to $55,000 |
| Wollongong | $900,000 | FHOG + Stamp duty | Up to $50,000 |
| Central Coast | $850,000 | FHOG + Stamp duty | Up to $55,000 |
NSW first home buyers have unprecedented support in 2026. With strategic planning and expert guidance, you can access up to $65,000 in grants and purchase your first home with just 5% deposit.
Ready to start your home ownership journey? Book a free consultation with our NSW first home buyer specialists to create your personalized purchase strategy.
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