First Home Owner Grant — SA
| Detail | SA |
|---|---|
| Grant amount | $15,000 |
| Property type | New homes only |
| Value cap | No cap (removed June 2024) |
Stamp Duty Concessions for First Home Buyers — SA
Full stamp duty exemption on new homes — no value cap. No concession on established homes.
SA is unique: uncapped stamp duty exemption on new homes, but zero concession on established homes. Buy new and save big; buy established and pay full duty.
Additional Schemes
HomeStart Finance offers low-deposit home loans for South Australians.
Federal Schemes (Available Everywhere)
These federal programs stack on top of SA 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 — SA
- 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 SA'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 SA?
The First Home Owner Grant in South Australia is $15,000 for eligible new homes. New homes only. Value cap: No cap (removed June 2024).
Do first home buyers pay stamp duty in SA?
Full stamp duty exemption on new homes — no value cap. No concession on established homes.
Can I get the FHOG for an established home in SA?
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.