Australia offers significant support for first home buyers through stamp duty concessions, cash grants, and the federal Home Guarantee Scheme. The exact benefits depend on your state, whether you're buying new or established, and the property price.

This calculator brings together stamp duty savings, the First Home Owner Grant (FHOG), deposit requirements, and estimated borrowing power into one view — so you can see the full picture of what buying your first home actually costs.

Eligibility for first home buyer benefits generally requires you to be an Australian citizen or permanent resident, over 18, and never previously owned property in Australia. You must live in the property as your principal residence. Check your state's revenue office for full eligibility criteria.