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First home buyer eligibility in Kogarah (2217)

Are first home buyer concessions accessible in Kogarah? The FHB eligibility card below compares the NSW stamp duty exemption and concession thresholds to the median dwelling price in Kogarah 2217. 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 Kogarah sits relative to those thresholds.

Can I afford Kogarah?

First-home buyer eligibility

At $720,000, here’s which schemes you can use in Kogarah. Drag to test other budgets.

Purchase price
$720k
$500k$2M
These thresholds are for FY2025-26. Caps refresh each July - verify before signing.

Stamp duty discount (FHBAS)

Eligible
$26,929 saved

Full FHBAS exemption at this price. Saving: ~$26,929.

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

$10,000 grant for new builds (FHOG)

Partial
$10,000 grant

Potentially applies if buying new under $750,000.

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

5% deposit, no LMI (First Home Guarantee)

Eligible
5% deposit

Under the $1,500,000 NSW price cap.

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

2% deposit, shared equity (Help to Buy)

Partial
Up to 40% equity

Potentially eligible. Under the $1,500,000 NSW price cap. 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
$26,929standard 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.

If median prices in Kogarah consistently exceed $1,000,000, first home buyers will typically pay full stamp duty, approximately 4 to 4.5 percent of the purchase price at that level. On a $1.1M purchase, that is around $44,000 to $50,000 in additional upfront cost. This does not rule Kogarah out as a first purchase, but it needs to be factored into your deposit and savings plan alongside legal costs and building inspections.

First home buyer eligibility in nearby suburbs

Beverly Hills 2209Hurstville 2220Kingsgrove 2208Connells Point 2221Mortdale 2223Riverwood 2210

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