First Home Owner Grant QLD 2026: Eligibility, Amounts and the $30,000 Four-Year Extension

The Queensland First Home Owner Grant (FHOG) gives eligible first home buyers up to $30,000 toward buying or building a new home, and the 2026-27 Queensland Budget extended it for four years, so it still applies to eligible contracts signed from 1 July 2026 onward.

To qualify, you must be buying or building a brand-new home (not an established one), move in within a year, and live there for at least 6 continuous months.

The $30,000 amount is locked in for four years, so there is no longer a countdown to act against.

How much is the QLD First Home Owner Grant in 2026?

Up to $30,000 for eligible transactions, including contracts signed from 1 July 2026 onward.

The previously legislated drop to $15,000 did not go ahead: The 2026-27 Queensland Budget extended the $30,000 grant for four years.

The grant applies to new homes, including off-the-plan apartments, townhouses, and house-and-land packages.

Who is eligible for the FHOG in Queensland?

• You must be 18 or over and an Australian citizen or permanent resident.

• You (and your spouse) must not have owned residential property in Australia before.

• You must buy or build a new home valued under the grant cap.

• And you must move in within 12 months of completion and live there for at least 6 continuous months.

What counts as a 'new home'?

A home that has not been previously occupied or sold as a place of residence, including a newly built house, an off-the-plan apartment or townhouse, or a house-and-land package.

Established (second-hand) homes do not qualify for the FHOG.

This is a key reason off-the-plan and new builds are so popular with first home buyers.

How to stack the FHOG with other savings

Eligible first home buyers can often combine the FHOG with Queensland stamp duty concessions and the federal First Home Guarantee (5% deposit, no LMI). Stacked together, these can reduce your upfront cost by tens of thousands of dollars on a new build.

Does off the plan qualify for the QLD First Home Owner Grant?

Yes. Off-the-plan apartments, townhouses, and house-and-land packages are new homes and qualify, provided you meet the eligibility rules. The contract date generally determines which grant amount applies, and the $30,000 amount now covers eligible contracts signed from 1 July 2026 onward.

When do I get the grant? At contract or settlement?

The grant is typically paid at settlement (for a purchase) or at the first progress payment (for an owner-builder or construction contract), once eligibility is confirmed. Your broker and lender help coordinate the lodgement.

Can BK Home Broker help me claim the FHOG?

Yes. BK Home Broker guides Queensland first home buyers through FHOG eligibility, matches you to qualifying new builds, and handles grant lodgement coordination, all at no cost to you.

Book a free consultation at bkhomebroker.com.au to check your eligibility.