First home buyer grants and concessions in every state and territory

This guide covers first home buyer help in every state and territory. For one state in more depth, see Delora's first home buyer duty concessions by state guide, or for Victoria the first home buyer duty exemption and concession and First Home Owner Grant guides.

Every Australian first home buyer can draw on two layers of help. The state or territory where you buy decides whether you pay less stamp duty (transfer duty) and whether you get a cash First Home Owner Grant. The federal government runs three schemes that work the same way everywhere: the 5% Deposit Scheme, Help to Buy and the First Home Super Saver Scheme, though the first two cap the price of the home by location.

The state layer is where buyers are most often caught out, because the eight jurisdictions have built genuinely different schemes. Some waive duty below a price threshold, some waive it on new homes only, the ACT waives it whatever the price for anyone who hasn't owned property in the last five years, and Tasmania and the Northern Territory currently give a first home buyer of an established home no duty relief at all. The table below puts them side by side, then runs the same two purchases through each state's duty rules so you can see what the differences mean in dollars.

The short answer

Stamp duty relief depends on the state and on whether the home is new. On the worked examples below, a first home buyer of a $650,000 established home pays no duty at all in New South Wales, Queensland and the ACT, pays reduced duty in Victoria and Western Australia, and pays the same duty as any other buyer in South Australia, Tasmania and the Northern Territory.
First Home Owner Grants are for new homes. Every state and territory that pays one limits it to a new home (South Australia also accepts a substantially renovated one), and the amount runs from $10,000 to $50,000. The ACT has no grant.
The federal schemes stack on top. The 5% Deposit Scheme lets you buy with a 5% deposit, Help to Buy has the government take an equity share, and the First Home Super Saver Scheme lets you save a deposit inside super. Each has its own rules, and two of them have state-by-state price caps, shown in the second table.

First home buyer relief in every state and territory

The first column is each state's duty relief in one line. The next two columns are worked examples: the duty a first home buyer pays on a $650,000 established home and on a $700,000 new home, against what any other buyer moving into the same home would pay. The last column is the First Home Owner Grant the same first home buyer gets on the $700,000 new home. Each figure comes from Delora's stamp duty calculator engine, which encodes every jurisdiction's duty scale, concession and grant from the revenue office's own rules, so the examples are arithmetic on cited rules rather than estimates.

Scroll sideways for more columns

First home buyer relief in every state and territory
State or territory	First home duty relief	Duty on a $650,000 established home	Duty on a $700,000 new home	Grant on the $700,000 new home
New South Wales	No duty up to $800,000 (homes) or $350,000 (vacant land); concessions phasing out to $1,000,000 and $450,000 respectively	$0 (others pay $23,437)	$0 (others pay $25,687)	No grant
Victoria	No duty up to $600,000; a sliding-scale concession to $750,000	$11,357 (others pay $34,070)	$24,713 (others pay $37,070)	$10,000
Queensland	No duty on new homes or vacant land; a concession phasing out between $710,000 and $800,000 for established homes	$0 (others pay $15,100)	$0 (others pay $17,350)	$30,000
Western Australia	No duty up to $600,000 (homes) or $450,000 (land)	$8,075 (others pay $24,890)	$16,150 (others pay $27,265)	$10,000
South Australia	No duty on a new home, off-the-plan apartment or vacant land, whatever the price (established homes get no relief at all)	$29,580 (same as any other buyer)	$0 (others pay $32,330)	$15,000
Tasmania	No current relief (ended 30 June 2026)	$24,622.50 (same as any other buyer)	$26,747.50 (same as any other buyer)	$20,000
Australian Capital Territory	No duty at all for eligible buyers, whatever the price (Home Buyer Concession Scheme)	$0 (others pay $14,888)	$0 (others pay $17,048)	No grant
Northern Territory	No current relief (the Act's concessions all sunset no later than 30 June 2021)	$32,175 (same as any other buyer)	$34,650 (same as any other buyer)	$50,000

Worked examples are for a contract signed on 22 October 2026, buying as your home, with no foreign-purchaser surcharge; registration fees are left out. In Western Australia the home is south of the 26th parallel (which includes Perth). In the ACT the first home buyer is eligible for the Home Buyer Concession Scheme and the other buyer does not use a concession scheme. Duty is charged on the higher of the price and the market value; these examples assume they are the same.

Federal scheme price caps in each state

Both federal schemes cap the price by location. The first figure is the cap in the capital city and the listed regional centres, the second the cap everywhere else in that state.

Federal scheme price caps in each state
State or territory	5% Deposit Scheme	Help to Buy
New South Wales	$1,500,000 / $800,000	$1,300,000 / $800,000
Victoria	$950,000 / $650,000	$950,000 / $650,000
Queensland	$1,000,000 / $700,000	$1,000,000 / $700,000
Western Australia	$850,000 / $600,000	$850,000 / $600,000
South Australia	$900,000 / $500,000	$900,000 / $500,000
Tasmania	$700,000 / $550,000	$700,000 / $550,000
Australian Capital Territory	$1,000,000 (all areas)	$1,000,000 (all areas)
Northern Territory	$750,000 / $600,000	$600,000 (all areas)

Regional centres: Newcastle and Lake Macquarie, Illawarra, Central Coast, Mid North Coast, Coffs Harbour-Grafton and Richmond-Tweed (NSW); Geelong (VIC); Gold Coast and Sunshine Coast (QLD). Housing Australia's postcode search gives the cap for an exact postcode, and some suburbs span two postcodes with different caps.

How to read the duty examples

Three patterns explain most of the table.

A price threshold with a phase-out. New South Wales, Victoria and Western Australia waive duty up to a threshold and then phase the concession out. New South Wales has the highest homes threshold: no duty up to $800,000, with duty phasing back in until it reaches the full rate at $1,000,000. Victoria's full exemption stops at $600,000 and its concession runs to $750,000, which is why a Victorian first home buyer still pays duty on both worked examples, though far less than other buyers. Western Australia's first home owner rate of duty charges nothing up to $600,000 for a home and applies a concessional rate up to $800,000.

Relief for new homes only. South Australia gives a first home buyer no stamp duty at all on a new home, an off-the-plan apartment or vacant land to build on, with no price cap, but no relief on an established home. Queensland goes further: its first home (new home) concession and first home vacant land concession remove duty with no price cap, and a separate first home concession covers established homes, phasing out between $710,000 and $800,000.

No price cap and no income test. The ACT's Home Buyer Concession Scheme reduces duty to nil whatever the price for an eligible buyer: broadly, someone who (with any partner) has not held an interest in land in the previous 5 years and will live in the home within a year. From 1 July 2026 both the scheme's property value limit and its income test were removed. It is not limited to first home buyers, and a buyer who doesn't qualify pays the owner-occupier rate.

No first home relief at all. Tasmania's exemption for first home buyers of established homes up to $750,000 applied only to transfers settling between 18 February 2024 and 30 June 2026, and has not been extended. In the Northern Territory, every first home buyer duty concession in the Act ended no later than 30 June 2021. In both, a first home buyer pays the same duty as anyone else, and the help comes as a grant on a new home instead.

First Home Owner Grants by state

Every grant in the table is for a new home (South Australia also accepts a substantially renovated home), and each state sets its own price cap and amount:

New South Wales: $10,000 for a new home priced at $600,000 or less. On the $700,000 example the price is over the cap, so no grant is paid.
Victoria: $10,000 for a new home valued at $750,000 or less.
Queensland: $30,000 for a new home valued under $750,000, for contracts signed on or after 20 November 2023.
Western Australia: $10,000 for a new home, with a value cap of $800,000 south of the 26th parallel (including Perth) and $1,000,000 north of it.
South Australia: up to $15,000 for a new home or off-the-plan apartment, with no value cap for contracts from 6 June 2024. Vacant land on its own does not qualify.
Tasmania: $20,000 for a new home with no value cap, for eligible transactions from 1 July 2026 to 30 June 2027. The amount has changed from year to year, so check the figure for your own contract date.
Australian Capital Territory: no grant. The duty concession is the benefit.
Northern Territory: the HomeGrown Territory Grant pays $50,000 to first home buyers of a new home, for contracts from 1 October 2025 to 30 September 2027, with no price cap. A separate FreshStart grant of $30,000 for a new home is for buyers who are not first home owners.

A grant is paid in addition to any duty relief, so in South Australia, Queensland and the Northern Territory the gap between buying new and buying established is large. On the $700,000 new home, a South Australian first home buyer pays no duty and receives up to $15,000; on an established home they pay full duty and receive nothing.

The three federal schemes

The federal schemes are run by Housing Australia (the 5% Deposit Scheme and Help to Buy) and the Australian Taxation Office (the First Home Super Saver Scheme). They apply in every state and territory and can be combined with a state's duty relief and grant.

5% Deposit Scheme

The Australian Government 5% Deposit Scheme, formerly the First Home Guarantee, lets an eligible buyer purchase with a minimum 5% deposit, or a minimum 2% deposit under the single parent and legal guardian stream. The government guarantees part of the loan, so the lender does not charge Lenders Mortgage Insurance. From 1 October 2025 there are no income caps and no waitlists. To use the first home buyer stream you must not have owned a home or land in Australia in the last 10 years.

The catch is the price cap, which depends on where you buy. In New South Wales it is $1,500,000 in Sydney and the regional centres and $800,000 elsewhere; in Victoria it is $950,000 in Melbourne and Geelong and $650,000 elsewhere. The table above lists every state.

Help to Buy

Help to Buy is a shared-equity scheme: the government contributes part of the price and takes a matching share of the home, so you borrow less. You need a minimum 2% deposit. To qualify on income, your taxable income for the 2025-26 financial year must be at or below $103,000 as an individual, or $165,000 for joint applicants and single parents. Places are limited to 10,000 a year.

Help to Buy has its own price caps. Most match the 5% Deposit Scheme's, but two differ: the cap in Sydney and the New South Wales regional centres is $1,300,000 rather than $1,500,000, and in the Northern Territory it is $600,000 in every area. Housing Australia cannot approve a Help to Buy application where the price is over the cap.

First Home Super Saver Scheme

The First Home Super Saver Scheme lets you make voluntary contributions to your super fund and later withdraw them, with associated earnings, toward your first home. Up to $15,000 of voluntary contributions a financial year count, up to $50,000 in total. It works per person, so two buyers purchasing together can each use their own limit. You must be 18 or older to apply. Compulsory employer contributions do not count, and because of the annual limit the scheme rewards starting several years before you buy.

How the layers stack: one purchase in each state

Because the state and federal layers are separate, a single purchase can use several at once. Take the $700,000 new home in the table. In Queensland, an eligible first home buyer could buy it with a 5% deposit under the 5% Deposit Scheme (it is under the $1,000,000 Brisbane cap), pay no duty under the first home (new home) concession, and receive the $30,000 grant. The same home in Tasmania sits exactly at the $700,000 cap both federal schemes set for Hobart (outside Hobart the cap is $550,000, below the price), pays the same duty as any other buyer, and attracts the $20,000 grant.

Every scheme has its own test of who counts as a first home buyer, its own residence requirement and its own price or value measure. Qualifying for one does not mean you qualify for another, so check each against the body that runs it.

Before you rely on a figure here

Use your actual contract date. Thresholds and grant amounts change often: Western Australia, Queensland, South Australia, Tasmania and the ACT have all changed at least one of theirs since June 2024. The examples above use a contract signed on 22 October 2026.
Two figures run ahead of their legislation. Western Australia has applied its first home owner rate of duty and its grant's value caps from 7 May 2026 administratively, ahead of the amending Act's Royal Assent, and Queensland's $30,000 grant continues pending its enabling legislation's assent. Either could change if the bill does.
Check the dutiable value. Duty is charged on the higher of the price and the market value, and a grant's value cap usually includes the land and any variations to a building contract.
Check the postcode for the federal caps. Housing Australia's postcode search gives the cap for an exact location, and a suburb that spans two postcodes can have two caps.
Run your own numbers. Delora's stamp duty calculator runs the same engine on your own price, property type and state, and the first home buyer check walks through the federal schemes' eligibility tests.

Please note: This is general information only and not financial, tax or legal advice. Eligibility depends on your personal circumstances. Confirm the details with your state or territory revenue office, Housing Australia or the ATO, or a licensed adviser, before acting.

Frequently asked questions

Which state has the best first home buyer stamp duty concession?

It depends on what you are buying. For an established home, New South Wales has the highest threshold for a full exemption ($800,000), and the ACT waives duty at any price for buyers who haven't held an interest in land in the previous 5 years. For a new home, Queensland and South Australia waive duty with no price cap. Tasmania and the Northern Territory currently give a first home buyer of an established home no duty relief.

Do first home buyers pay stamp duty?

Often not, but it depends on the state, the price and whether the home is new. On a $650,000 established home, a first home buyer pays nothing in New South Wales, Queensland or the ACT, and pays the same as any other buyer in South Australia, Tasmania and the Northern Territory. The table above shows each state.

Can I get the First Home Owner Grant on an established home?

No. Every state and territory that pays a First Home Owner Grant limits it to a new home; South Australia also accepts a substantially renovated home. The ACT does not pay one at all.

What are the 5% Deposit Scheme price caps?

They depend on the state and whether you buy in the capital city or a listed regional centre. They range from $1,500,000 in Sydney and the New South Wales regional centres down to $500,000 outside Adelaide. The second table lists every state, and Housing Australia's postcode search gives the cap for an exact postcode.

Is there an income limit on the 5% Deposit Scheme?

No. From 1 October 2025 the 5% Deposit Scheme has no income caps and no waitlists. Help to Buy does have an income test: $103,000 for an individual and $165,000 for joint applicants or single parents, on 2025-26 income.

Can I use more than one scheme at once?

Yes. A state's duty relief and grant are separate from the federal schemes, so one purchase can use the 5% Deposit Scheme or Help to Buy, a state duty concession, a First Home Owner Grant and money saved through the First Home Super Saver Scheme, provided you meet each scheme's own rules.

Sources and methodology

Every statement below is tied to a named, dated public source in Delora's knowledge base, and is re-checked on its own review cadence — see how Delora sources and verifies its content.

NSW's First Home Buyers Assistance Scheme for a new or existing home: no duty up to $800,000; between $800,000 and $1,000,000 duty phases in linearly from $0 to the full general-scale duty at $1,000,000 ($39,187 for 2026/27); at or above $1,000,000 the general scale applies in full. Eligibility: individuals only (not a company or trust), the buyer and any spouse/partner must never have owned residential property in Australia nor previously used the scheme, at least one buyer must be an Australian citizen or permanent resident, and (for contracts from 1 July 2023) at least one buyer must move in within 12 months of settlement and live there continuously for at least 12 months. (Revenue NSW, verified 27 Sep 2026)

NSW's general transfer duty scale for 2026/27: $0-$18,000: $1.25 per $100 (minimum $20); $18,000-$38,000: $225 + $1.50 per $100 over $18,000; $38,000-$103,000: $525 + $1.75 per $100 over $38,000; $103,000-$387,000: $1,662 + $3.50 per $100 over $103,000; $387,000-$1,290,000: $11,602 + $4.50 per $100 over $387,000; $1,290,000-$3,870,000: $52,237 + $5.50 per $100 over $1,290,000; above $3,870,000 (the premium duty threshold): $194,137 + $7.00 per $100 over $3,870,000. Computed as a continuous percentage of the excess within each band, to the cent -- unlike some other states there is no rounding up to the next whole $100 within a band. Charged on whichever is greater: the purchase price (including any GST) or the property's market value. Thresholds are indexed annually to CPI from 1 July; the rate year is set by the contract (exchange) date. (Revenue NSW, verified 27 Sep 2026)

NSW's First Home Owner Grant is a flat $10,000 for a new home only (not available for established homes): purchase price capped at $600,000 for a newly built or substantially renovated home bought from a seller, or a combined $750,000 for vacant land plus a comprehensive home building contract. No income or assets test is stated; one grant per property transaction. (Revenue NSW, verified 27 Sep 2026)

Eligible first-home buyers pay no Victorian land-transfer duty on a home with a dutiable value up to $600,000. (State Revenue Office Victoria, verified 7 Aug 2026)

Eligible first-home buyers pay a reduced (concessional) rate of Victorian land-transfer duty on a home with a dutiable value from $600,001 to $750,000. (State Revenue Office Victoria, verified 7 Aug 2026)

For a first home buyer whose PPR transfer has a dutiable value more than $600,000 but not more than $750,000, the concessional duty payable is ((dutiable value - $600,000) / $150,000) multiplied by the duty that would otherwise be payable on the transfer (Duties Act 2000 (Vic) s57JA(3)). (Parliament of Victoria, verified 18 Sep 2026)

Victorian general land-transfer duty scale, contracts on/after 1 July 2021: $0-$25,000 = 1.4% of value; >$25,000-$130,000 = $350 + 2.4% of the excess over $25,000; >$130,000-$960,000 = $2,870 + 6% of the excess over $130,000; >$960,000-$2,000,000 = 5.5% of the dutiable value; above $2,000,000 = $110,000 + 6.5% of the excess over $2,000,000. (State Revenue Office Victoria, verified 18 Sep 2026)

The Victorian First Home Owner Grant is $10,000 for eligible first-home buyers purchasing or building a new (newly constructed or never previously occupied) home valued up to $750,000. (State Revenue Office Victoria, verified 7 Aug 2026)

Queensland's first home concession, for contracts signed on or after 9 June 2024: duty is the home concession rate less a further deduction that phases out between $710,000 and $800,000: $17,350 up to $709,999.99, reducing in roughly $1,735 steps per $10,000 band to nil at $800,000 or more. (Queensland Revenue Office (Queensland Treasury), verified 27 Sep 2026)

Queensland's first home (new home) concession gives a full transfer duty concession (duty reduced to nil) with no cap on the price, for eligible transactions entered into on or after 1 May 2025. It applies only to residential land; any additional, non-residential land is charged at the general rate. (Queensland Revenue Office (Queensland Treasury), verified 27 Sep 2026)

Queensland's first home vacant land concession gives a full transfer duty concession on residential vacant land, with no cap on the value, for eligible transactions entered into on or after 1 May 2025. (Queensland Revenue Office (Queensland Treasury), verified 27 Sep 2026)

Queensland's home concession rate, for any buyer who will live in the property: not more than $350,000: $1.00 per $100 (or part); $350,000-$540,000: $3,500 + $3.50 per $100 (or part) over $350,000; $540,000-$1,000,000: $10,150 + $4.50 per $100 (or part) over $540,000; above $1,000,000: $30,850 + $5.75 per $100 (or part) over $1,000,000. From 1 August 2026, a buyer must be an Australian citizen, permanent resident or specified foreign retiree to claim it. (Queensland Revenue Office (Queensland Treasury), verified 27 Sep 2026)

Queensland's general transfer duty rate, unchanged since 21 September 2012: not more than $5,000: nil; $5,000-$75,000: $1.50 per $100 (or part) over $5,000; $75,000-$540,000: $1,050 + $3.50 per $100 (or part) over $75,000; $540,000-$1,000,000: $17,325 + $4.50 per $100 (or part) over $540,000; above $1,000,000: $38,025 + $5.75 per $100 (or part) over $1,000,000. Charged on whichever is greater: the unencumbered value or the agreed price. (Queensland Revenue Office (Queensland Treasury), verified 27 Sep 2026)

Queensland's First Home Owner Grant is $30,000 for contracts signed on or after 20 November 2023 (continued for contracts from 1 July 2026 per the 2026 state budget, pending the enabling legislation's assent), for a new home valued under $750,000. Established homes are not eligible. (Queensland Revenue Office (Queensland Treasury), verified 27 Sep 2026)

WA's first home owner rate of duty, administered from 7 May 2026 (removing the Perth-metro/Peel region split): for a home (new or established) worth $800,000 or less, no duty is payable up to $600,000, then $16.15 per $100 (or part) of the value over $600,000; above $800,000 the general rate applies to the whole value. For vacant land worth $550,000 or less, no duty up to $450,000, then $20.14 per $100 (or part) over $450,000; above $550,000 the general rate applies. These thresholds are applied administratively by RevenueWA ahead of the Finance Legislation Amendment (Housing Affordability) Bill 2026 receiving Royal Assent; the consolidated Duties Act still shows the pre-7-May-2026 thresholds. (Department of Treasury and Finance (RevenueWA), verified 27 Sep 2026)

WA's general transfer duty rate, unchanged since 2 July 2014: $0-$120,000: $1.90 per $100 (or part); $120,000-$150,000: $2,280 + $2.85 per $100 (or part) over $120,000; $150,000-$360,000: $3,135 + $3.80 per $100 (or part) over $150,000; $360,000-$725,000: $11,115 + $4.75 per $100 (or part) over $360,000; above $725,000: $28,453 + $5.15 per $100 (or part) over $725,000. Charged on whichever is greater: the price paid (including GST) or the property's unencumbered value. (Department of Treasury and Finance (RevenueWA), verified 27 Sep 2026)

WA's First Home Owner Grant is $10,000 (or the consideration if less) for a new home only. For eligible transactions commencing on or after 7 May 2026, the value cap is $800,000 south of the 26th parallel of south latitude (which includes Perth) or $1,000,000 north of it. (Department of Treasury and Finance (RevenueWA), verified 27 Sep 2026)

For contracts entered into on or after 13 February 2025, a first home buyer of a new home, off-the-plan apartment, or vacant land to build a home on gets full stamp duty relief with no property-value cap. Established homes are explicitly excluded from any relief. Eligibility: each applicant a natural person 18+, at least one an Australian citizen/permanent resident or NZ Special Category visa holder, no income or assets test, none of the applicants (or their spouse/partner) has previously held a relevant interest in residential property in Australia or already received this relief (or an equivalent) in any state or territory. All applicants must occupy the home as principal place of residence continuously for at least 6 months, starting within 12 months of settlement (36 months for vacant land). The foreign ownership surcharge is NOT relieved under this current-era rule, even where the duty itself is fully relieved -- a change from the 15 June 2023-12 February 2025 era, when a sliding partial-relief formula with hard price caps ($650k/$700k homes, $400k/$450k land) applied to both duty and FOS together. That historical formula is not encoded in this calculator, which only models the current rule. (RevenueSA, verified 1 Oct 2026)

SA's general conveyance duty scale, in force since 1 January 2025 and not CPI-indexed: $0-$12,000: $1.00 per $100 (or part); $12,000-$30,000: $120 + $2.00 per $100 over $12,000; $30,000-$50,000: $480 + $3.00 per $100 over $30,000; $50,000-$100,000: $1,080 + $3.50 per $100 over $50,000; $100,000-$200,000: $2,830 + $4.00 per $100 over $100,000; $200,000-$250,000: $6,830 + $4.25 per $100 over $200,000; $250,000-$300,000: $8,955 + $4.75 per $100 over $250,000; $300,000-$500,000: $11,330 + $5.00 per $100 over $300,000; above $500,000: $21,330 + $5.50 per $100 over $500,000. There is no separate owner-occupier or home-concession rate -- the same scale applies to owner-occupiers, investors and established homes alike. Charged on whichever is greater: the consideration (including GST) or the property's unencumbered market value. (RevenueSA, verified 1 Oct 2026)

SA's First Home Owner Grant is a one-off payment of up to $15,000 for eligible first home buyers of a new home, off-the-plan apartment, substantially renovated home, or comprehensive building/owner-builder contract. Does not apply to vacant land on its own or to established homes. No property-value cap for contracts from 6 June 2024 onward (an earlier cap applied before that date; its exact figure was not found in this research). No income or assets test. Residence requirement: 6 continuous months, starting within 12 months of settlement/completion. Administered under the First Home and Housing Construction Grants Act 2000 (SA). (RevenueSA, verified 1 Oct 2026)

Tasmania's 100% first-home-buyer duty exemption for established homes with a dutiable value of $750,000 or less applied to transfers settling between 18 February 2024 and 30 June 2026 inclusive. It is not available for transactions settling after 30 June 2026 and, as at September 2026, has not been extended by ministerial order. (State Revenue Office Tasmania, verified 27 Sep 2026)

Tasmanian general conveyance duty, unchanged since 21 October 2013: not more than $3,000: $50; $3,000-$25,000: $50 + $1.75 per $100 (or part) over $3,000; $25,000-$75,000: $435 + $2.25 per $100 (or part) over $25,000; $75,000-$200,000: $1,560 + $3.50 per $100 (or part) over $75,000; $200,000-$375,000: $5,935 + $4.00 per $100 (or part) over $200,000; $375,000-$725,000: $12,935 + $4.25 per $100 (or part) over $375,000; above $725,000: $27,810 + $4.50 per $100 (or part) over $725,000. Duty is charged on the greater of the unencumbered value and the purchase price. (State Revenue Office Tasmania, verified 27 Sep 2026)

The Tasmanian First Home Owner Grant is $20,000 for eligible transactions (new home only; no value cap) commencing between 1 July 2026 and 30 June 2027. Earlier amounts: $30,000 (1 July 2025-30 June 2026), $10,000 (1 July 2024-30 June 2025), $30,000 (1 April 2021-30 June 2024). (State Revenue Office Tasmania, verified 27 Sep 2026)

The ACT's Home Buyer Concession Scheme gives nil duty to an eligible home buyer (an individual, 18+) buying a home or vacant land, where all eligible home buyers and domestic partners have not held an interest in land (in Australia or overseas) in the previous 5 years (subject to narrow carve-outs for court-ordered transfers, deceased-estate executorship, and family violence), and at least one buyer will occupy the property as their principal place of residence within a year, continuously, for at least a year. There is no property-value cap and no income test -- both were explicitly removed for 2026/27. The Newly Unit Titled Duty Exemption Scheme (a completed, never-occupied unit bought directly from the developer within 2 years of the units plan's registration) and the Off the Plan Unit Duty Exemption Scheme (a unit bought before the units plan is registered) are separate instruments with their own, broader eligibility tests (open to any owner-occupier, not just a 5-year-no-prior-interest buyer) that reduce duty to the same nil outcome; the property-value cap on the off-the-plan scheme was also removed for 2026/27. No citizenship or permanent-residency requirement was found in any of these Determinations, unlike every other state/territory's equivalent scheme researched -- this may be governed by the Duties Act 1999 itself rather than these Determinations, and is reported as "not found" rather than "confirmed absent". (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

ACT's conveyance duty for 2026/27 has two tables depending on whether the transaction is an "eligible owner occupier transaction" (any individual buyer who will live in the property as their principal place of residence for at least a year -- not limited to first home buyers). Eligible owner occupier rate: $0-$260,000: $0.28 per $100 (or part); $260,000-$300,000: $728 + $2.20 per $100 over $260,000; $300,000-$500,000: $1,608 + $3.40 per $100 over $300,000; $500,000-$750,000: $8,408 + $4.32 per $100 over $500,000; $750,000-$1,000,000: $19,208 + $5.90 per $100 over $750,000; $1,000,000-$1,455,000: $33,958 + $6.40 per $100 over $1,000,000; above $1,455,000: a flat 4.54% of the WHOLE dutiable amount. General (investor) rate: $0-$200,000: $1.20 per $100 (or part); $200,000-$300,000: $2,400 + $2.20 per $100 over $200,000; $300,000-$500,000: $4,600 + $3.40 per $100 over $300,000; $500,000-$750,000: $11,400 + $4.32 per $100 over $500,000; $750,000-$1,000,000: $22,200 + $5.90 per $100 over $750,000; $1,000,000-$1,455,000: $36,950 + $6.40 per $100 over $1,000,000; above $1,455,000: the same flat 4.54% of the whole dutiable amount -- the two tables converge above $1,455,000. The excess over each threshold rounds up to the next whole $100 before the rate is applied. These residential rates are confirmed unchanged from 2025-26; the only 2026/27 change was to the separate commercial threshold. (ACT Parliamentary Counsel's Office, verified 27 Sep 2026)

Every first-home-buyer duty concession in the Stamp Duty Act 1978 (s89 First home owner concession, s89AA First home owner discount, s89A Senior, pensioner and carer concession, s90 Principal place of residence rebate) is caught by Division 2's sunset clause (s88A): none applies to a conveyance first executed after 30 June 2021. There is currently no first-home-buyer duty concession, discount, or rebate in force in the Northern Territory. (Parliamentary Counsel, Northern Territory, verified 1 Oct 2026)

NT's conveyance duty (Stamp Duty Act 1978 Sch 1 cl 1(2)) has one scale for everyone, last amended with effect 9 May 2023 and not CPI-indexed: for a dutiable value up to $525,000, D = 0.06571441 x V^2 + 15V where V is the value in thousands of dollars; from $525,000 (exclusive) to under $3,000,000, a flat 4.95% of the whole dutiable value; from $3,000,000 to under $5,000,000, 5.75%; from $5,000,000 and above, 5.95%. No separate owner-occupier/investor rate, and the rate does not vary by property type. Charged on whichever is greater: the consideration given, or the property's unencumbered value (s4AB). No rounding rule is stated for the duty result itself. A dutiable instrument must be lodged, and duty paid, within 60 days of first execution (s9) -- one combined deadline. (Parliamentary Counsel, Northern Territory, verified 1 Oct 2026)

NT's First Home Owner Grant (publicly branded the "HomeGrown Territory Grant") is the lesser of the consideration paid or a scheduled amount that varies by commencement date (First Home Owner Grant Act 2000 s18). For contracts from 1 October 2025 to before 1 October 2027, the scheduled amount is a flat $50,000, and only a new home is an eligible transaction at all (established homes are not eligible for any FHOG amount in this window, s13(1)(a)(iv)). The Act's own $600,000/$750,000 'threshold amount' value cap (s12A) only applies to a 'threshold-relevant transaction', which is defined (s13AA(4)) to mean, in substance, only a transaction with a commencement date before 1 January 2015 -- so no price cap applies to a current application. Residence requirement: 12 months, starting within 12 months of completion, for this commencement window. No income or assets test. (Parliamentary Counsel, Northern Territory, verified 1 Oct 2026)

The Northern Territory's FreshStart new home grant offers $30,000 to purchase or build a new home for applicants who are not first home owners (including off-the-plan purchases and owner-builders), for contracts signed between 1 October 2024 and 30 September 2027. It cannot be combined with the HomeGrown Territory grant for the same home. It is not available to build an additional dwelling where a home already exists on the same title (with a limited family-land exception). (Territory Revenue Office (NT Department of Treasury and Finance), verified 7 Aug 2026)

The 5% Deposit Scheme's first-home-buyer stream requires a minimum 5% deposit. (Housing Australia, verified 7 Oct 2026)

The 5% Deposit Scheme's single-parent/legal-guardian stream requires a minimum 2% deposit. (Housing Australia, verified 7 Oct 2026)

From 1 October 2025, the 5% Deposit Scheme has no income caps or waitlists for eligible applicants. (Housing Australia, verified 7 Oct 2026)

The 5% Deposit Scheme's first-home-buyer stream requires not having owned a home or land in Australia in the last 10 years. (Housing Australia, verified 7 Oct 2026)

Help to Buy requires a minimum 2% deposit from the buyer. (Housing Australia, verified 7 Oct 2026)

For FY2026, Help to Buy's income threshold for an individual applicant is $103,000 annual taxable income. (Housing Australia, verified 7 Oct 2026)

For FY2026, Help to Buy's income threshold for joint applicants or a single parent is $165,000 annual taxable income. (Housing Australia, verified 7 Oct 2026)

Help to Buy releases a limited number of places each year (10,000 for FY2026) and price caps apply by location. (Housing Australia, verified 7 Oct 2026)

The First Home Super Saver Scheme allows up to $15,000 of voluntary super contributions per financial year to be eligible for release. (Housing Australia, verified 7 Oct 2026)

The First Home Super Saver Scheme allows up to $50,000 of voluntary super contributions in total to be eligible for release. (Housing Australia, verified 7 Oct 2026)

The First Home Super Saver Scheme's minimum age to apply is 18. (Housing Australia, verified 7 Oct 2026)

The property price cap for the 5% Deposit Scheme in New South Wales is $1,500,000 in the capital city and regional centres and $800,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for the 5% Deposit Scheme in Victoria is $950,000 in the capital city and regional centres and $650,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for the 5% Deposit Scheme in Queensland is $1,000,000 in the capital city and regional centres and $700,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for the 5% Deposit Scheme in Western Australia is $850,000 in the capital city and regional centres and $600,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for the 5% Deposit Scheme in South Australia is $900,000 in the capital city and regional centres and $500,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for the 5% Deposit Scheme in Tasmania is $700,000 in the capital city and regional centres and $550,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for the 5% Deposit Scheme in the Australian Capital Territory is $1,000,000 for all areas. (Housing Australia, verified 22 Oct 2026)

The property price cap for the 5% Deposit Scheme in the Northern Territory is $750,000 in the capital city and regional centres and $600,000 in the rest of the Territory. (Housing Australia, verified 22 Oct 2026)

The property price cap for Help to Buy in New South Wales is $1,300,000 in the capital city and regional centres and $800,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for Help to Buy in Victoria is $950,000 in the capital city and regional centres and $650,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for Help to Buy in Queensland is $1,000,000 in the capital city and regional centres and $700,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for Help to Buy in Western Australia is $850,000 in the capital city and regional centres and $600,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for Help to Buy in South Australia is $900,000 in the capital city and regional centres and $500,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for Help to Buy in Tasmania is $700,000 in the capital city and regional centres and $550,000 in the rest of the state. (Housing Australia, verified 22 Oct 2026)

The property price cap for Help to Buy in the Australian Capital Territory is $1,000,000 for all areas. (Housing Australia, verified 22 Oct 2026)

The property price cap for Help to Buy in the Northern Territory is $600,000 in every area. (Housing Australia, verified 22 Oct 2026)

Written by
Delora editorial team

Jurisdiction
Australia (all eight states and territories, plus the three federal schemes)

Content type
Research article (general education, not advice)

Data sources
22 October 2026, checked against each state and territory revenue office's rules as encoded in Delora's cost-to-buy engine (sources fetched 27 September to 1 October 2026) and Housing Australia's scheme and price-cap pages (fetched 7 and 22 October 2026)

Last reviewed
2026-07-24

Sources
See "Sources and methodology" above for cited sources

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Sources on this page last verified between 7 Aug 2026 and 22 Oct 2026 against the primary source each figure cites. What “verified” means