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
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.
over 3 yrs. The deposit target grew $31,000 faster than savings
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.
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.
