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First home buyer eligibility in South Windsor (2756)

Are first home buyer concessions accessible in South Windsor? The FHB eligibility card below compares the NSW stamp duty exemption and concession thresholds to the median dwelling price in South Windsor 2756. 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 South Windsor sits relative to those thresholds.

Can I afford South Windsor?

First-home buyer eligibility

At $850,000, here’s which schemes you can use in South Windsor. Drag to test other budgets.

Purchase price
$850k
$500k$2M
These thresholds are for FY2025-26. Caps refresh each July - verify before signing.

Stamp duty discount (FHBAS)

Partial
$29,903 saved

Concessional duty of $2,876 instead of $32,779. Saving: ~$29,903.

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)

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
$32,779standard 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.

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 South Windsor 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.

First home buyer eligibility in nearby suburbs

Agnes Banks 2753Pitt Town 2756

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