First Home Owner Grant Calculator

Select the State and Transaction Rules

Choose the state or territory where the home is located. Use the contract date for a purchase, an off-the-plan purchase or a contract to build. For an owner-build, enter when work on the foundations started.

For a purchase in NSW or WA, the calculator compares the higher of the market value and the purchase price with the cap. Victoria uses the contract price for an off-the-plan purchase.

For a build in NSW or WA, the calculator takes the higher of the land price and the unencumbered land value. In NSW, the price includes any amount still payable. For a building contract, the calculator adds the contract cost, including variations. For an owner-build, it adds the unencumbered value of the finished home, excluding the land.

In NSW, value the land at the building contract date. For an owner-build, use the date the home is ready to occupy. WA uses the same valuation dates under its earlier rules. The WA cap depends on which side of the 26th parallel the home is on and when the transaction starts.

WA Land Valuation Dates

The WA land valuation rules changed on 22 October 2026. If you sign the building contract within 12 months starting the day after the land contract date, value the land at the land contract date. If you acquired the land without a sale contract, use the acquisition date in place of the land contract date. Outside that period, value the land at the building contract date.

For a WA owner-build, count the 12 months from the day after you acquired the land interest, generally at land settlement. If the home is ready to occupy in that period, value the land at the land contract date or, without a contract, the acquisition date. In other cases, value the land when the home is ready to occupy. Value the finished home itself at completion.

For Tasmania’s higher grant, the standard deadline is 24 months from the transaction start date. For a build, use the date the council issues the occupancy certificate. For a purchase or an off-the-plan purchase, use the date you can take possession under the contract and the steps to register your title are complete. You can enter the expected date for either event while the transaction is in progress.

The ACT result is $0 for transactions after its grant ended. Eligible buyers can still check the ACT Home Buyer Concession Scheme for duty relief.

Check the Applicant and Property Conditions

Add each person taking an interest in the home. Include the Australian home ownership and grant history of each applicant’s spouse or partner, even if that person will stay off the title. The result shows one grant for the transaction.

Enter each applicant’s age and citizenship or visa status at the point the local rules assess them. For example, NSW checks citizenship or residency at the start of the transaction. Victoria checks at possession for a purchase or when the home is ready to occupy for a build.

Measure the time before moving in from settlement or completion. Enter how long each applicant plans to live in the home without a break. Some offices require every applicant to live there. NSW and Victoria generally require at least one.

A failed condition gives a $0 estimate under the standard rules. An unanswered condition can leave the amount open. Use Special circumstances if you need the office to decide an exemption or review an unusual arrangement. Confirm a renovated property meets the local definition of a new home before using the estimate. In South Australia the seller must be a developer registered for GST who claimed GST offsets on the renovation. Ask the revenue office to assess any uncertain case.

Work Through a Grant Estimate

In the example above, a 29-year-old Australian citizen buys a new home in NSW for $582,000. The buyer and their partner have never owned an Australian home or received the grant. The buyer plans to move in one month after settlement and live there for 12 continuous months.

The purchase is within the $600,000 cap and meets the other standard rules, so the calculator shows $10,000. Change the property market value to $601,000 and the grant estimate drops to $0 because the value exceeds the Revenue NSW purchase cap.

The First Home Owner Grant is a cash payment. A duty concession reduces a purchase cost. The Australian Government 5% Deposit Scheme gives a guarantee to a participating lender so an eligible buyer can borrow with a smaller deposit.

Read the Grant in Your Purchase Budget

The calculator estimates the grant from the answers you enter. The state or territory revenue office decides entitlement and may ask for evidence of the property value, ownership history or planned occupancy.

Payment timing depends on how you apply and whether you buy or build. In NSW, apply through an approved lender if you need the grant at settlement or at the first drawdown on a build. A direct NSW application follows settlement or completion. For a South Australian contract to build, RevenueSA can pay a direct applicant after the first progress payment and approval.

Check the lodgement channel, approval and expected release date with the lender or revenue office before counting the grant as cash for settlement. If it will arrive at a later stage, leave it out of the funds available for earlier bills.

Use the Family Home Guarantee calculator to check the separate guarantee for eligible single parents or legal guardians.