The South Australia First Home Owner Grant (SA FHOG) is a South Australia state government initiative to help first home owners to get their ‘new’ first home sooner. It is an amount of money paid by the South Australian government to eligible first home owners grants.

Learn more about the SA FHOG as well as other South Australian government assistance measures for first home buyers below.

Check Eligibility

Use our FHBA eligibility estimator to see exactly what incentives you may be eligible for in your desired suburb/postcode


Our FHBA Coaches will know exactly what you are eligible for and will guide you on your eligible Government incentives


 If you are busy, why not download your free State Incentives Guide for the state you wish to buy your first home

How much is the South Australia First Home Owners Grant (SA FHOG)?

The SA FHOG is currently $15,000 for eligible first home buyers. It applies to the purchase or construction of a new residential property, including a house, flat, unit, townhouse or apartment that meets local planning standards anywhere in South Australia.

Important Tip: Grants and Concessions tend to change at short notice, therefore please double check with your State government what is available in your area before buying your first home!

First home buyers are generally eligible for the SA FHOG if:

  • At least one of the applicants must be an Australian citizen or have permanent residency in Australia. Some NZ Visa holders may also be eligible.
  • All applicants must not have previously owned a residential property anywhere in Australia prior to 1 July 2000.
  • All applicants must not have owned a residential property anywhere in Australia on or after 1 July 2000 and occupied that property continuously for six months or more.
  • All applicants must occupy the home purchased or built as their principal place of residence for a continuous period of at least six months commencing within 12 months after completion of the eligible transaction.
  • Each applicant must be a natural person (i.e. not a trustee or company).
  • Each applicant must be at least 18 years of age at the time of making application for the FHOG.
  • The property must meet the definition of being a ‘new’ home.

Any new fixed dwelling that is suitable as a residence, for example, a single dwelling, duplex, flat or townhouse. FHOG is not available in relation to renovations to an existing building or the purchase of vacant land.
Owner builders can apply for FHOG after the foundations have been laid and must apply within 12 months of the property being ready for occupation. There is no specific timeframe to complete construction of the home.

As of June 2024, you will be exempt from paying any Stamp Duty if you build a brand new home or buy a brand new house/townhouse/apartment, regardless of the value of the property. Prior to June 2024, there was a price limit of $700,000, however this has been removed.

For details, please visit the Revenue SA website or speak to an FHBA Coach. 

Applying for the FHOG and / or various duty concessions can be a little tricky. While you can check eligibility and apply online by yourself, we recommend you apply through the assistance of one of our FHBA Mortgage Brokers.

Our FHBA Mortgage Brokers are not only experts at finance matters such as home loans and the FHOG, but they are also experts in helping first home buyers everyday. Our service is free of charge (should you proceed with a home loan option through us). We can check your eligibility, apply on your behalf and be with you every step, providing you with peace of mind that you haven’t missed anything.

  • To learn more about our FHBA Mortgage Broking service and have one of our experts assist you with your application, please visit our FHBA Mortgages home page.
  • To apply online by yourself visit the SA Government website and follow their instructions carefully.

As Australia’s premier first home buyer organisation we have access to hundred’s of FHOG eligible homes, from house & land packages through to townhouses, apartments and more.

Called FHBA New Homes, our new homes search service involves us connecting you with leading property developers, builders and real estate experts to help you find and secure your first home. Meanwhile, your FHBA Coach stay’s by your side every step of the way.

Plus, if you purchase your FHOG eligible home through our FHBA New Homes service you could be eligible for the FHBA 50 Rebate (in addition to any government entitlements you may be eligible for such as the FHOG!).

If you haven’t been introduced to an FHBA Coach yet send us an email ( or complete the enquiry form and one of our friendly FHBA Coaches will be in touch to provide you with a free Discovery Session.

If you are thinking of purchasing an existing home then unfortunately you will not be eligible for the SA FHOG or transfer duty concessions.

If you would like assistance with purchasing an established home we recommend you book in a free consultation with an FHBA Coach. At FHBA we can assist with your financing, searching and negotiating needs (+ a whole lot more!)


FHBA’s new & innovative Eligibility Estimator allows you to self-estimate how your savings are tracking and whether you have enough saved to qualify for a home loan. Upon completion, we will instantly send you a complimentary Australian Property Monitors Postcode Report (Valued at $39.95) Check how your tracking in 60 seconds!

Disclaimer: The FHBA Eligibility Estimator is intended as an approximate guide only. It uses a mixture of the data you input, median property prices from APM PriceFinder and estimated purchasing costs. You should not rely on the results of the Eligibility Estimator. Please contact an FHBA Coach who can arrange a more comprehensive estimate and advice based on your personal circumstances from a licensed professional.




Do you want to know more about how FHBA can assist you in achieving your Great Australian Dream of home ownership?

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