Help to Buy scheme figures
Help to Buy is the Australian Government's shared equity scheme. The government pays part of the price in exchange for the same share of the home, and the buyer borrows less.
- Minimum deposit
- 2% of the price
- Government share, new home
- Up to 40%
- Government share, existing home
- Up to 30%
- Income cap, single applicant
- $103,000
- Income cap, joint applicants
- $165,000
- Income cap, single parent
- $165,000
- Figures checked against official sources
- 26 September 2026
Annual taxable income from the ATO notice of assessment, 2026-27 threshold period (1 July 2026 to 30 June 2027).
Help to Buy property price caps
| State | Capital city and regional centres | Rest of the state |
|---|---|---|
| Queensland | $1,000,000 | $700,000 |
| New South Wales | $1,300,000 | $800,000 |
| Victoria | $950,000 | $650,000 |
| Western Australia | $850,000 | $600,000 |
| South Australia | $900,000 | $500,000 |
| Tasmania | $700,000 | $550,000 |
| Australian Capital Territory | $1,000,000 | Not applicable |
| Northern Territory | $600,000 | $600,000 |
Source: Help to Buy property price caps, checked 26 September 2026.
What these figures don't settle
Meeting the deposit, income and price limits doesn't make someone eligible on its own. Citizenship, age, property ownership history and a participating lender's assessment also apply, and the government's share of the home rises and falls with its value. Check the scheme page before relying on these figures.
Stamp duty still applies unless a state concession removes it. See the state pages for duty at each price.
Related
Estimate a Help to Buy purchase Stamp duty in every state Buying your first home These figures as JSONGeneral information only, not personal financial or credit advice. Figures are calculated from published state and territory rules for the scenarios shown. They do not confirm eligibility for any concession or scheme, assess borrowing capacity or replace a quote from a conveyancer or the relevant revenue office.