First Home Buyers Grant WA and Concessions

We’ll walk you through the WA grants and concessions you may qualify for.

You don’t have to go it alone when you’re building your first home in WA. The first home buyers grant in WA is one of several supports available. Others include a stamp duty concession, the Australian Government 5% Deposit Scheme and Keystart loans.

Below you’ll find what each support is worth, the value caps that apply and who qualifies. We’ll explain the rules in plain English and help you work out what you can claim.

Check if you're eligible

First home owners grant

In Western Australia, eligible first home buyers may receive a one-off payment of $10,000 towards a new residential home. If the price you pay is less than $10,000, the grant matches that lower amount. Only one grant is paid per transaction, so two people buying together share the one payment.

There is a cap on what the finished home and land can be worth. For transactions starting on or after 7 May 2026, the cap is $800,000 south of the 26th parallel. That line sits north of Perth, so the $800,000 cap applies across the metro area and the South West.

The grant is for a home you’ll live in yourself, not an investment property. If you’re buying or building your first new home in WA, this is the main support to check first.

Owning property in the past doesn’t always rule you out. You or your partner can’t claim the grant if either of you has:

owned residential property anywhere in Australia before 1 July 2000
owned residential property on or after 1 July 2000 and lived in it before 1 July 2004
owned residential property on or after 1 July 2000 and lived in it for at least six months in a row, starting on or after 1 July 2004

If you never lived in a property you owned on or after 1 July 2000, you may still be eligible.

Check if you're eligible

First home buyer sit together with their friends at the dining table. The home design features open plan living spaces that is light and bright. This modern home is built by Step 1 Homes.

Step 1 Homes - Home Design Dawn Coastal. This first-home design features a neutral Hamptons white colour palette, simple cladding, light contrast render.

Other support schemes

The Australian Government 5% Deposit Scheme lets eligible first home buyers buy with a 5% deposit. Since 1 October 2025 there are no income caps, no waitlists and no lenders mortgage insurance. That is the extra cost lenders usually add when you have a small deposit.

WA also offers the first home owner rate of duty, a discount on the stamp duty you pay. From 7 May 2026, you pay no duty on a home and land package valued up to $600,000. Between $600,001 and $800,000 you pay a reduced rate.

Keystart offers low deposit home loans and can advance your grant before the government releases it. Keystart pays the amount at settlement, then credits your account about two weeks after your builder’s first progress payment. Interest applies on that advance until Keystart receives the grant funds.

There are two more options worth checking. See our guide to the Help to Buy Scheme and your deposit options.

Check if you're eligible

How we help you apply

Here’s how we help you claim what you’re entitled to:

We check which grants and concessions you qualify for, based on your budget and your build.
We explain the paperwork each one needs and when it is due.
We keep things moving so your paperwork lines up with your build timeline.

You’ll always know which step you’re on and what comes next.

Finance tools

First home buyer couple sit together on the couch with their phones out. The home design shows an open plan living area that opens up to the outdoor alfresco area with large glass panel doors. The background shows a sunny day with a shaded outdoor dining area, and lush green lawn and green landscaping.

Common questions about the first home buyers grant in WA

How much is the first home buyers grant in WA?

The first home owners grant in WA is a one-off payment of up to $10,000. If the price you pay to buy or build is less than that, the grant matches the lower amount. Only one grant is paid per transaction, so two people buying together share the one payment.

What is the property value cap for the first home owners grant in WA?

For transactions starting on or after 7 May 2026, the cap is $800,000 south of the 26th parallel. The cap covers the total value of the home and the land together. That line sits north of Perth, so $800,000 applies across the metro area and the South West. North of the line the cap is $1,000,000.

Do first home buyers pay stamp duty in WA?

Often not. This concession is called the first home owner rate of duty. From 7 May 2026, there is no duty on a home and land package valued up to $600,000. Between $600,001 and $800,000 you pay a reduced rate. For vacant land there is no duty up to $450,000, then a reduced rate up to $550,000.

Who is eligible for the first home owners grant in WA?

The grant is for a home you’ll live in yourself, not an investment property. Owning property in the past doesn’t always rule you out. You or your partner can’t claim the grant if either of you has:

owned residential property anywhere in Australia before 1 July 2000
owned residential property on or after 1 July 2000 and lived in it before 1 July 2004
owned residential property on or after 1 July 2000 and lived in it for at least six months in a row, starting on or after 1 July 2004

If you never lived in a property you owned on or after 1 July 2000, you may still be eligible.

How does the Australian Government 5% Deposit Scheme work?

The scheme lets eligible first home buyers buy with a 5% deposit. The government guarantees part of your loan, so you don’t pay lenders mortgage insurance, the cost charged on small deposits. Since 1 October 2025 there are no income caps and no waitlists. Property price caps apply and they vary by location.