What's available to you in Western Australia
$10,000 Grant
For new homes up to $750k
Stamp Duty Relief
Exemption up to $500k (from Mar 2025)
Regional Bonus
Higher caps north of 26th parallel
WA's geographic advantage: Regional properties north of the 26th parallel get $1M caps instead of $750k - perfect for resource towns and northern communities.
National schemes you can pair with WA
Nationwide| Scheme | Deposit | Who it suits | Key benefit |
|---|---|---|---|
| First Home Guarantee (HGS) | 5% | First home buyers (or not owned in 10 years) | Avoid LMI via government guarantee |
| Family Home Guarantee | 2% | Single parents/guardians with a dependent | No LMI; not restricted to first home |
| Help to Buy (shared equity, forthcoming) | 2%+ | Low‑to‑middle income buyers | Government equity lowers loan size and repayments |
| First Home Super Saver (FHSS) | — | Savers building a deposit | Tax‑advantaged savings via super |
Check current availability with Housing Australia or your broker.
WA Home Guarantee Scheme Property Price Caps
Updated October 2025.
Western Australia programs
First Home Owner Grant (new homes)
- Grant: $10,000 for new homes.
- Metro cap: $750,000 (south of 26th parallel).
- Regional cap: $1,000,000 (north of 26th parallel).
- Residency: Must occupy as principal place of residence.
First Home Owner Rate of Duty
- No duty: Up to $500,000 (increased Mar 2025).
- Concession: $500k-$700k (Perth/Peel) or $500k-$750k (regional).
- Land relief: No duty up to $350k, concession to $450k.
- Timing: Contract dates from 21 March 2025 for new thresholds.
Perth metro vs regional benefits
Perth & Peel (South of 26th parallel)
- FHOG cap: $750,000
- Stamp duty exemption: Up to $500,000
- Stamp duty concession: $500,001 to $700,000
- Land exemption: Up to $350,000
- HGS access: Standard First Home Guarantee
Regional WA (North of 26th parallel)
- FHOG cap: $1,000,000
- Stamp duty exemption: Up to $500,000
- Stamp duty concession: $500,001 to $750,000
- Land exemption: Up to $350,000
- HGS access: Regional First Home Buyer Guarantee
WA stamp duty savings examples
Thresholds increased from March 2025. Regional areas get higher concession caps.
Strategic pathway for WA buyers
Choose your location wisely
Consider regional WA for higher caps, or Perth metro with solid urban amenities and benefits.
Get the right guarantee
Apply for the appropriate Home Guarantee Scheme stream through your broker - 5% deposit, no LMI.
Claim WA benefits
Get the $10k grant for new homes plus stamp duty relief based on your location.
Note: WA's regional properties north of the 26th parallel get $1M caps, providing access to higher-value properties with full grant eligibility.
Regional WA opportunities
Mining & resource towns
- Pilbara region: Karratha, Port Hedland with mining employment
- Goldfields: Kalgoorlie-Boulder with resource sector opportunities
- Mid West: Geraldton with port and agricultural industries
- Kimberley: Broome and Derby with tourism/pastoral economies
Lifestyle & growth centres
- South West: Bunbury, Busselton with tree change appeal
- Great Southern: Albany with coastal lifestyle and industry
- Wheatbelt: Northam, Merredin with agricultural foundations
- Coastal towns: Esperance, Carnarvon with tourism potential
Important things to know
The details that matter for your WA application
Geographic boundaries matter
The 26th parallel determines whether you get metro or regional benefits - confirm your location before buying.
New thresholds from March 2025
Contracts from 21 March 2025 get increased stamp duty exemption up to $500k (previously $430k).
New homes only for grants
The $10k FHOG is only for new construction - not existing homes. Stamp duty relief applies to both.
You need to live there
Must be your main residence for the required continuous period. Keep detailed records.
Different rules for land
Vacant land purchases have different price caps than completed homes - check both if building.
Maximise your WA opportunity?
We'll help you navigate WA's location-based benefits, optimise your regional vs metro choice, and coordinate all available supports.