First home buyer grants and concessions
/v1/calculators/first-home1¢ per callWhat being a first home buyer is worth on one purchase: every first home grant in the state (eligible or not, and why), the stamp duty saving against an ordinary owner-occupier, and the total.
Who it's for: first home buyers — Australian citizens or permanent residents buying a home to live in, who have never owned a home in Australia. Grants mostly go to new homes under a price cap; duty exemptions and concessions mostly apply to established homes and land too, up to a cap.
What it covers: the First Home Owner Grant and any other first-home cash
grant the state pays, and the first home duty exemption / concession (via the
same rules as /calculators/stamp-duty, shown line by line in
duty_breakdown). For vacant_land, the grant is assessed as land bought to
build a new home on; the cap on land plus build is spelled out in detail.
Caveats: eligibility also depends on residence requirements (moving in
within a year and living there 6–12 months), every buyer's history and some
income tests — this answers on price, property type and date. Federal
schemes (deposit guarantees, super savings) are not included. See
caveats.
Authorization
Request
The only values you send. Fields under Responses below are what comes back — you never pass those.
Query parameters
statestringrequiredState or territory: NSW, VIC, QLD, WA, SA, TAS, ACT, NT.
pricenumber0–1000000000requiredPurchase price in dollars (for vacant land: the land price).
property_typestringoptional`established` (an existing home), `new` (a new home or off-the-plan, never lived in), or `vacant_land` (land to build a home on).
contract_datestring · dateoptionalContract date (YYYY-MM-DD); picks the rates in force on that day. Default: today in Sydney.
off_the_planbooleanoptionalBought off the plan. Changes the answer only where a state has an off-the-plan concession.
regionalbooleanoptionalOutside the capital city (WA: outside Perth and Peel; also the WA grant's northern cap). Ignored where a state draws no such line.
household_incomenumber0–∞optionalGross household income for the past year — used by income-tested schemes (ACT). Omit and we assume you meet the income test.
dependantsinteger0–20optionalDependent children — raises an income-tested scheme's limit (ACT).
Responses
Successful Response
statestringalways returnedpricenumberalways returnedproperty_typestringalways returnedestablished, new or vacant_land.
contract_datestring · datealways returnedgrantsarray of FirstHomeGrantalways returnedEvery first-home cash grant in the state, eligible or not.
grants_totalnumberalways returnedSum of the grants you qualify for.
duty_standardnumberalways returnedStamp duty an owner-occupier who is NOT a first home buyer would pay.
duty_first_homenumberalways returnedStamp duty a first home buyer pays, after the first home concession or exemption.
duty_savingnumberalways returnedduty_standard − duty_first_home.
concession_namestringmay be nullThe first home duty concession or exemption that applied, if any.
total_benefitnumberalways returnedgrants_total + duty_saving: what being a first home buyer is worth on this purchase.
duty_breakdownarray of CalcLinealways returnedThe first home buyer's duty, step by step.
ratesobjectalways returnedcaveatsarray of stringalways returnedAbout this data
What this is
What being a first home buyer is worth on one purchase, in any state or territory: every first home grant the state pays (with whether you qualify and why), the stamp duty saving against an ordinary owner-occupier, and the total benefit.
What people use it for
- First home buyers: see what help they can get on a particular price and home type.
- Mortgage brokers: work grants and duty savings into a deposit plan.
- Builders and new-home sellers: show buyers what a new home qualifies for.
- AI assistants: answer "what grants can I get" with figures.
Tips
Grants mostly go to new homes under a price cap; duty concessions often cover established homes too. Eligibility also depends on things we cannot check, such as residency and past ownership, so treat it as an estimate. The duty working uses the same rules as /v1/calculators/stamp-duty.
/v1/calculators/first-homecurl --request GET \
--url 'https://api.microburbs.com.au/v1/calculators/first-home?state=NSW&price=650000' \
--header 'Authorization: Bearer test'{
"data": {
"caveats": [
"Assumes you are an Australian citizen or permanent resident.",
"You must be an individual aged 18 or over who has never owned a home in Australia, and live in the home for 12 months in a row, starting within 12 months.",
"You must never have owned residential property in Australia (nor your spouse or partner)."
],
"concession_name": "First home buyer exemption",
"contract_date": "2026-11-12",
"duty_breakdown": [
{
"amount": 23437,
"detail": "$650,000 on the general rate: $11,602 + 4.5% of the value over $387,000 (per $100 or part).",
"item": "Transfer duty"
},
{
"amount": -23437,
"detail": "No duty on a first home (new or established) valued at $800,000 or less.",
"item": "First home buyer exemption"
}
],
"duty_first_home": 0,
"duty_saving": 23437,
"duty_standard": 23437,
"grants": [
{
"amount": 0,
"detail": "Only for a new, off-the-plan or substantially renovated home; an established home does not qualify.",
"eligible": false,
"max_amount": 10000,
"name": "First Home Owner Grant (new homes)"
}
],
"grants_total": 0,
"price": 650000,
"property_type": "established",
"rates": {
"duty": {
"effective_from": "2026-07-01",
"version": "NSW-duty-2026-07-01"
},
"grants": {
"effective_from": "2023-07-01",
"version": "NSW-first-home-2023-07-01"
}
},
"state": "NSW",
"total_benefit": 23437
}
}