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First home buyer eligibility in Ermington (2115)

First home buyer stamp duty concessions and grants in Ermington (2115) depend on the purchase price relative to the NSW Government thresholds in effect at the time of purchase. For properties up to $800,000, first home buyers are eligible for a full stamp duty (transfer duty) exemption. A concessional rate applies on properties between $800,000 and $1,000,000. The First Home Owner Grant (FHOG) of $10,000 applies to new dwellings up to $750,000. Ermington is in the Parramatta LGA.

Can I afford Ermington?

First-home buyer eligibility

At $1,965,000, here’s which schemes you can use in Ermington. Drag to test other budgets.

Purchase price
$1.97M
$500k$2M
These thresholds are for FY2025-26. Caps refresh each July - verify before signing.

Stamp duty discount (FHBAS)

Not eligible
$90,484 duty

Properties at or above $1,000,000 do not qualify for FHB stamp duty relief in NSW.

Revenue NSW →See all NSW suburbs that fit this scheme →

$10,000 grant for new builds (FHOG)

Not eligible
Not eligible

FHOG covers new homes up to $750,000. This price is above the cap.

Revenue NSW →See all NSW suburbs that fit this scheme →

5% deposit, no LMI (First Home Guarantee)

Not eligible
Above $1.5M cap

Above the $1,500,000 NSW price cap for this postcode.

Housing Australia →See all NSW suburbs that fit this scheme →

2% deposit, shared equity (Help to Buy)

Not eligible
Above $1.5M cap

Above the $1,500,000 NSW price cap for this postcode. Subject to income caps ($100,000 single, $160,000 joint) and Australian citizenship.

Treasury →See all NSW suburbs that fit this scheme →
If no scheme applies
$90,484standard duty
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.

First home buyer eligibility is not just about the purchase price. It also requires that you have never previously owned residential property anywhere in Australia or overseas, that you intend to live in the property, and that the property meets the relevant definition of residential property for the grant and concession purpose. The Revenue NSW website has an eligibility checker; consult a solicitor or conveyancer before relying on any eligibility assessment in Ermington 2115.

First home buyer eligibility in nearby suburbs

Carlingford 2118Dundas 2117Harris Park 2150North Parramatta 2151Old Toongabbie 2146Pendle Hill 2145

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