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First home buyer eligibility in Fairlight (2094)

Fairlight (2094) sits within the Northern Beaches local government area. First home buyer eligibility for stamp duty relief and the NSW First Home Owner Grant depends on the purchase price and the type of property, whether new or established. This page shows how those thresholds interact with the typical sale prices in Fairlight 2094 to give you a sense of whether first home buyer concessions are realistically accessible in this suburb.

Can I afford Fairlight?

First-home buyer eligibility

At $1,595,000, here’s which schemes you can use in Fairlight. Drag to test other budgets.

Purchase price
$1.59M
$500k$2M
These thresholds are for FY2025-26. Caps refresh each July - verify before signing.

Stamp duty discount (FHBAS)

Not eligible
$70,134 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
$70,134standard 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 Fairlight 2094.

First home buyer eligibility in nearby suburbs

Avalon Beach 2107Balgowlah 2093Bayview 2104Brookvale 2100Church Point 2105Collaroy 2097

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