---
title: "First Home Owner Grant South Australia 2026"
description: "$15,000 FHOG for new homes in SA — highest on mainland. No value cap, stacks with full stamp duty exemption. Complete eligibility guide."
source: HomeBuildBudget
sourceUrl: https://homebuildbudget.com/guides/first-home-owner-grant-sa
lastUpdated: 2026-06-16
citationUrl: https://homebuildbudget.com/guides/first-home-owner-grant-sa
---

# First Home Owner Grant South Australia 2026

$15,000 FHOG for new homes in SA — highest on mainland. No value cap, stacks with full stamp duty exemption. Complete eligibility guide.

$15,000 FHOG for new homes in SA — highest on mainland. No value cap, stacks with full stamp duty exemption. Complete eligibility guide.

Quick answer: South Australia offers a $15,000 First Home Owner Grant for new homes — the highest permanent grant on the mainland — with no property value cap (removed June 6, 2024). You must be over 18, an Australian citizen or permanent resident, and have never owned residential property in Australia at any time. Move in within 12 months and live there for at least 6 continuous months. SA also provides full stamp duty exemption on new homes with no value cap. Combined savings range from $30,000 to $60,000+ depending on property value. Established homes receive no stamp duty relief in SA — unique among all states. Apply through RevenueSA or via your lender. Updated April 2026 based on RevenueSA data.

From June 6, 2024, South Australia removed the FHOG value cap entirely. There is no maximum property value. You can build a $500,000 home or a $1.5 million home—if it’s new and you meet the other eligibility requirements, you get the full $15,000.

Even high-value builds get the full benefit in SA. No cap means no phase-out. See our Adelaide building costs guide for suburb-by-suburb construction pricing.

South Australia is the only state where first home buyers get zero stamp duty relief on established homes. NSW, VIC, QLD, WA, TAS, ACT, NT all offer at least some FHB stamp duty concession on established properties. SA does not.

## Who Is Eligible?

## What Counts as a “New Home”?

## What Does NOT Qualify

## Value Cap: None

## How Much Can You Save?

### Example 1: Building in Elizabeth

### Example 2: Building in Mount Barker (Adelaide Hills)

### Example 3: Buying Established Home in Norwood

### See your SA first home buyer savings

### If You’re Building (Most Common)

### If You’re Buying a New Home

### What You Need to Apply

## SA Stamp Duty for First Home Buyers

### New Homes (New Build, Off-the-Plan, Substantially Renovated)

### Established Homes

## Key Points

- First home buyer — you (or your partner) have never owned residential property in Australia at any time
- Over 18 years of age
- Australian citizen or permanent resident (at least one applicant)
- New home — newly built, off-the-plan, substantially renovated, or house & land package
- Principal place of residence — move in within 12 months, live there for at least 6 continuous months
- Not a company or trust — the purchase must be by a natural person
- A home you build yourself (owner-builder)
- A home built for you by a builder (contract to build)
- A brand new home that has never been lived in (buying off-the-plan or from a developer)
- A substantially renovated home (full gut-reno level, not just a new kitchen)

## Frequently Asked Questions

### Who Is Eligible?

You need to tick every box. Miss one and RevenueSA will knock you back:

### Can I use the FHOG as part of my deposit?

Usually no. The FHOG is applied at settlement or during construction (against a progress payment). Most lenders won’t let you count it toward your 5-10% deposit because the money doesn’t hit your account until later. However, some lenders factor the grant into your borrowing capacity.

### Why doesn’t SA offer stamp duty relief for established homes?

Policy decision. South Australia wants to stimulate new home construction, not just churn in the existing housing stock. The trade-off is that SA first home buyers pay full stamp duty on established homes while getting the most generous incentives in Australia for building new.

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*Source: [HomeBuildBudget](https://homebuildbudget.com/guides/first-home-owner-grant-sa)*