Combined value
What's available to you in South Australia
First home buyers in South Australia can access multiple government grants and concessions simultaneously. Here's the maximum combined value if you qualify for everything.
$15,000
First Home Owner Grant
~$26,830
Stamp duty saved (on $650k)
$50,000
FHSS super withdrawal
$91,000+
Combined max value
South Australia state grants
State government support
Administered by the South Australia State Revenue Office. Apply through your conveyancer or solicitor at settlement, or through your lender for construction loans.
State Grant
First Home Owner Grant SANew builds only
The South Australian government provides $15,000 to eligible first home buyers purchasing or building a new home.
✓Combines with stamp duty exemption — both available on new homes under $650k
✓Combines with federal 5% Deposit Scheme — no income caps from October 2025
✓Combines with HomeStart shared equity option
✓Combines with FHSS super withdrawal up to $50,000
Key conditions
- New homes only — never previously occupied as a residence
- Property value must be $650,000 or less
- Must be an Australian citizen or permanent resident, aged 18+
- You and your partner must never have owned residential property in Australia
- Must occupy as principal place of residence within 12 months of settlement or completion
- Apply through your lender (construction) or RevenueSA (purchase)
State Concession
Stamp Duty Exemption SANew & established homes
South Australia offers a full stamp duty exemption for first home buyers under a property price cap — one of the most accessible thresholds in the country.
Up to ~$26,830
On a $650k property
✓Stacks with FHOG on new homes under $650k
✓Applies to established homes even without FHOG eligibility
Key conditions
- Full exemption on properties $650,000 or less
- Applies to both new and established homes
- Must be your principal place of residence
- Must meet first home buyer eligibility criteria
- Check RevenueSA for current rates above the $650,000 threshold
State Scheme
HomeStart Shared Equity OptionSA only
HomeStart Finance (SA Government lender) contributes up to 25% of your purchase price in exchange for equity. Reduces your loan size and deposit required.
Up to 25%
Of purchase price
✓Can be combined with SA FHOG on new builds
✓Compatible with FHSS super withdrawal
Key conditions
- Available through HomeStart Finance only — not a bank
- Government contributes up to 25% equity, you own the rest
- No interest charged on the government's equity share
- Income and property value limits apply — check HomeStart for current caps
- You must buy out the government's share when you sell or refinance
- Available for both new and established homes
Federal grants
Federal government schemes
These federal schemes stack on top of South Australia state grants. Most are administered through Housing Australia and participating lenders.
🏠
5% Deposit Scheme (First Home Guarantee)
Buy with 5% deposit and no LMI. No income caps from October 2025. Unlimited places. Property price caps in Adelaide vary by suburb — check Housing Australia for current caps. Apply through participating lenders.
🤝
Help to Buy — Shared Equity (launched Dec 2025)
Federal government contributes up to 40% for new homes, 30% for existing. Minimum 2% deposit. Income caps: $100k single, $160k couple. Available in SA from December 2025.
👨👩👧
Family Home Guarantee
Single parents with dependants can buy with 2% deposit and no LMI. No income cap changes from October 2025. Available across South Australia.
💰
First Home Super Saver Scheme (FHSS)
Withdraw up to $50,000 in voluntary super contributions for your deposit. Tax advantage over saving in a standard bank account. Must contribute before applying to withdraw.
Which grants do you actually qualify for?
DeltaMap checks your eligibility for every South Australia and federal grant automatically — based on your income, property price and buyer type.
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Common questions
First home buyers in South Australia ask...
How much is the First Home Owner Grant in South Australia in 2026?
The South Australian First Home Owner Grant is $15,000 for eligible buyers of new homes valued at $650,000 or less. This is higher than Victoria and NSW ($10,000 each) and applies to the same category of buyers — new builds, off-the-plan and substantially renovated properties only.
What is the stamp duty exemption threshold in SA?
South Australia offers a full stamp duty exemption for first home buyers on properties valued at $650,000 or less. This applies to both new and established homes, making it more flexible than the FHOG which is restricted to new builds only.
What is HomeStart Finance and how does the shared equity work?
HomeStart Finance is a South Australian Government lender that offers a Shared Equity Option for eligible buyers. The government contributes up to 25% of your purchase price in exchange for an equivalent equity share. You don't pay interest on that portion, but the government shares in gains and losses when you sell. It reduces your loan size and the deposit you need upfront. Income and property caps apply — check HomeStart directly for current eligibility.
Can I use the HomeStart shared equity with the federal Help to Buy scheme?
These are separate schemes through different lenders — HomeStart is a state lender while Help to Buy operates through federal participating lenders. You would generally use one or the other, not both simultaneously. Speak to a broker familiar with SA to determine which offers better value for your situation.
Is South Australia a good state for first home buyers right now?
Adelaide's northern corridor (Salisbury, Elizabeth, Davoren Park, Parafield Gardens) is recording some of the highest annual price growth in Australia — 12–22% in some suburbs — while medians remain under $600,000. Combined with SA's $15,000 FHOG, full stamp duty exemption under $650,000 and HomeStart shared equity, South Australia offers some of the most accessible entry conditions of any Australian capital city market in 2026.
Official source: Always verify current eligibility directly with
RevenueSA. Grant conditions change regularly and this page may not reflect the most recent updates. DeltaMap is not a financial adviser.