First Home Owner Grant SA 2026: Amounts, Eligibility & How to Apply

Last updated: May 2026 · Reading time: 5 minutes

Key facts

• Grant amount: $15,000
• Applies to: New builds and substantially renovated homes only
• Property value cap: None — SA removed the cap for contracts from 6 June 2024
• Stamp duty exemption: No blanket exemption — targeted concessions only
• Administered by: RevenueSA
• Last verified: May 2026 — revenuesa.sa.gov.au

General information only. Not personal financial advice.

How much is the SA First Home Owner Grant?

The South Australia First Home Owner Grant is $15,000 for eligible buyers of newly built or substantially renovated homes.

No property value cap: SA removed its property value cap for eligible contracts entered into on or after 6 June 2024. There is no upper limit on the property price for FHOG eligibility — though the property must still be a new home.

The grant is not available for established (second-hand) homes. If you're buying an existing property in SA, you won't receive the FHOG.

Am I eligible?

To qualify for the SA FHOG, you must meet all of the following:

• You are 18 years of age or older
• You are an Australian citizen or permanent resident (at least one applicant must be)
• You (and your partner) have not previously owned residential property in Australia at any time — this rule was tightened from 13 February 2025 (prior to that date, there was an exception for investment properties never lived in)
• You have not previously received a First Home Owner Grant in any Australian state or territory
• You intend to occupy the property as your principal place of residence within 12 months of settlement or construction completion
• You must live in the property continuously for at least 6 months
• The property is a new home — newly built, substantially renovated, or off-the-plan

Stamp duty for first home buyers in SA

South Australia does not offer a blanket stamp duty exemption for first home buyers. This is a key difference from most other states.

What's available: RevenueSA offers targeted concessions depending on circumstances — check directly with RevenueSA for current concession eligibility as these can change.

This means SA first home buyers typically pay full stamp duty on their purchase (new or existing), making the $15,000 FHOG (and FHSS) relatively more important to their overall deposit strategy.

How to apply for the SA FHOG

Through your lender (most common):

1. Tell your mortgage broker or bank that you're applying for the FHOG
2. Your lender processes the application at settlement or at the first construction loan drawdown
3. The $15,000 is applied directly at settlement

Direct application:

1. Apply at revenuesa.sa.gov.au
2. Submit your application within 12 months of settlement or first occupancy

Keep all contracts and documentation — RevenueSA will require them.

Combining the FHOG with the FHSS scheme

Given there's no blanket stamp duty exemption in SA, the FHOG and FHSS scheme become even more important to SA first home buyers:

• $15,000 FHOG at settlement (no cap on property price)
• Up to $50,000 (plus earnings) from FHSS contributions as part of your deposit
• Couples can access $100,000 combined from FHSS

General information only. Not personal financial advice. Verify current figures with RevenueSA before making financial decisions.

Source: RevenueSA — First Home Owners Grant · Last verified: May 2026