Are first home buyer concessions accessible in Auburn? The FHB eligibility card below compares the NSW stamp duty exemption and concession thresholds to the median dwelling price in Auburn 2144. In many inner and middle-ring Sydney suburbs, median prices exceed the $1,000,000 concession ceiling, making stamp duty a full additional cost at the purchase price. The card tells you where Auburn sits relative to those thresholds.
Can I afford Auburn?
First-home buyer eligibility
At $565,000, here’s which schemes you can use in Auburn. Drag to test other budgets.
Purchase price
$565k
$500k$2M
Stamp duty discount (FHBAS)
✓Eligible
$19,954 saved
Full FHBAS exemption at this price. Saving: ~$19,954.
over 3 yrs. Your savings outpaced the deposit increase by $1,000
Numbers assume a 20% deposit. The First Home Guarantee can let you buy with 5%; the FHSS can release up to $50k from super.
Sources: Revenue NSW↗ (FHBAS, FHOG, standard duty), Housing Australia↗ (First Home Guarantee),Treasury↗ (Help to Buy). FYApr 2026 thresholds. Caps refresh each July; verify before signing. Not financial advice.
The NSW Government's First Home Buyer Choice scheme (now the property tax option) allows eligible first home buyers to opt for an annual property tax instead of upfront stamp duty on properties up to $1,500,000. This can significantly improve cash-flow at settlement for buyers in the Auburn price bracket, but it involves long-term tax commitments that depend on your ownership horizon. Run the numbers with a mortgage broker before choosing between stamp duty and property tax.
