--- title: "First Home Owner Grant Victoria 2026" description: "Everything you need to know about the $10,000 FHOG in Victoria. Eligibility, how to apply, what's changed, and how it works with stamp duty exemptions." source: HomeBuildBudget sourceUrl: https://homebuildbudget.com/guides/first-home-owner-grant-vic lastUpdated: 2026-06-14 citationUrl: https://homebuildbudget.com/guides/first-home-owner-grant-vic --- # First Home Owner Grant Victoria 2026 Everything you need to know about the $10,000 FHOG in Victoria. Eligibility, how to apply, what's changed, and how it works with stamp duty exemptions. Everything you need to know about the $10,000 FHOG in Victoria. Eligibility, how to apply, what's changed, and how it works with stamp duty exemptions. Quick answer: Victoria offers a $10,000 First Home Owner Grant for eligible first home buyers building or purchasing a new home valued at $750,000 or less. You must be over 18, an Australian citizen or permanent resident, and have never owned residential property in Australia. The home must be brand new (never occupied) or one you build yourself. You must move in within 12 months and live there for at least 12 consecutive months as your principal residence. Apply through your lender, builder, or directly via the State Revenue Office Victoria. Stack it with the stamp duty exemption (properties under $600,000) for combined savings of $25,000–$35,000+. Updated April 2026 based on State Revenue Office Victoria data. That’s over $30,000 less at settlement compared to buying an established place, and you end up with a brand-new home instead of someone else’s problems. See our Melbourne building costs guide to understand what the grant covers relative to total construction costs. Your builder usually handles the paperwork for you. Short version: nothing’s changed. The Victorian government kept the FHOG at $10,000 with the same $750,000 cap for 2026 (State Revenue Office Victoria). Specifically: ## Who Is Eligible? ### What Counts as a “New Home”? ### What Does NOT Qualify ## How Much Can You Save? ### Example: Building in Melbourne’s West ### See how much you can save by building ### If You’re Building (Most Common) ### If You’re Buying a New Home ### What You Need to Apply ## Changes in 2026 ### Can I get the FHOG if I’ve owned property overseas? ### What if my partner has owned a home before? ### Does the $750,000 cap include land? ### Can I rent out the property after 12 months? ### What if I sell before 12 months? ## Key Points - First home buyer — you (or your partner) have never owned a residential property in Australia - Over 18 years of age - Australian citizen or permanent resident (at least one applicant) - New home — the property must be a new home (never previously occupied) or you must be building a new home - Value cap — the total value of the home (including land for a house and land package) must be $750,000 or less (State Revenue Office Victoria) - Primary residence — you must move in within 12 months and live there for at least 12 consecutive months - 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) - Established/existing homes (even if you’ve never owned before) ## Frequently Asked Questions ### Who Is Eligible? You need to tick every box on this list. Miss one and the SRO will knock you back: ### Does the $750,000 cap include land? Yes, and this trips people up. For a house and land package, you add the land price and the build cost together. That total must stay at $750,000 or under. Same deal if you already own the land: the SRO adds your land value to the building contract value. If you’re sitting at $740,000 and your builder quotes a variation that pushes you over, you lose the grant entirely. Worth watching closely. ### Can I get the FHOG and stamp duty exemption together? Yes, and you should. They’re separate schemes and they stack. If you’re building a new home under $600,000, you get the $10,000 FHOG plus a full stamp duty exemption (State Revenue Office Victoria). That’s the best-case scenario. The government set it up specifically to push first home buyers toward new builds. You may also qualify for stamp duty concessions in VIC — check the full breakdown. --- *Source: [HomeBuildBudget](https://homebuildbudget.com/guides/first-home-owner-grant-vic)*