First Home Owner Grant — NSW
| Detail | NSW |
|---|---|
| Grant amount | $10,000 |
| Property type | New homes only |
| Value cap | $600,000 (house & land) / $750,000 (other new homes) |
Stamp Duty Concessions for First Home Buyers — NSW
Full exemption up to $800,000. Concession $800,001–$999,999.
NSW offers the highest exemption threshold in the country for first home buyers.
Additional Schemes
First Home Buyer Choice: opt for annual property tax instead of stamp duty on homes up to $1.5M.
Federal Schemes (Available Everywhere)
These federal programs stack on top of NSW state benefits:
| Scheme | Benefit |
|---|---|
| First Home Guarantee | Buy with 5% deposit, no LMI. No income caps. Unlimited places. |
| Help to Buy | Government co-owns up to 30–40%. You need as little as 2% deposit. |
| FHSSS | Save for a deposit inside super at 15% tax. Withdraw up to $50,000. |
| Family Home Guarantee | Single parents: 2% deposit, no LMI. |
Eligibility — NSW
- You (and your partner) must never have owned residential property in Australia
- At least one applicant must be an Australian citizen or permanent resident
- At least one applicant must be 18 or older
- You must live in the home as your principal residence for at least 12 continuous months
- You must move in within 12 months of settlement
- The property must meet NSW's value cap and property type requirements
How to Apply
Your bank, lender, or conveyancer usually handles the FHOG application as part of the settlement process. You don't need to apply separately to the state revenue office in most cases. Have your ID, contract of sale, and proof of citizenship ready.
Frequently Asked Questions
How much is the first home buyer grant in NSW?
The First Home Owner Grant in New South Wales is $10,000 for eligible new homes. New homes only. Value cap: $600,000 (house & land) / $750,000 (other new homes).
Do first home buyers pay stamp duty in NSW?
Full exemption up to $800,000. Concession $800,001–$999,999.
Can I get the FHOG for an established home in NSW?
The FHOG is generally for new homes only. However, stamp duty concessions for established homes may be available — check the state revenue office for current eligibility.
Can I combine the FHOG with the First Home Guarantee?
Yes. The FHOG (state grant), First Home Guarantee (federal loan guarantee), stamp duty concessions, and FHSSS can all be used together. They're separate schemes from different levels of government.