Grants on MELBZ

Best Suburbs Families Melbourne for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Best Suburbs Families Melbourne?

Entry-level prices (2026):

Cheapest houses: $393,606 - $446,087
Entry-level units: $209,923 - $288,644
Off-the-plan apartments: $183,683 - $262,404

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Best Suburbs Families Melbourne? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $28,864 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$26,240	$14,432
Deposit (10% standard)	$52,480	$28,864
Deposit (20% no LMI)	$104,961	$57,728
Stamp duty	$28,864	$11,545
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Bulla for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Bulla?

Entry-level prices (2026):

Cheapest houses: $345,076 - $391,086
Entry-level units: $184,040 - $253,056
Off-the-plan apartments: $161,035 - $230,051

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Bulla? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $25,305 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$23,005	$12,652
Deposit (10% standard)	$46,010	$25,305
Deposit (20% no LMI)	$92,020	$50,611
Stamp duty	$25,305	$10,122
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Arthurs Seat 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Arthurs Seat?

Entry-level prices (2026):

Cheapest houses: $491,831 - $557,408
Entry-level units: $262,310 - $360,676
Off-the-plan apartments: $229,521 - $327,887

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Arthurs Seat? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $36,067 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$32,788	$18,033
Deposit (10% standard)	$65,577	$36,067
Deposit (20% no LMI)	$131,155	$72,135
Stamp duty	$36,067	$14,427
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Avonsleigh 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Avonsleigh?

Entry-level prices (2026):

Cheapest houses: $592,456 - $671,450
Entry-level units: $315,976 - $434,468
Off-the-plan apartments: $276,479 - $394,971

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Avonsleigh? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $43,446 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$39,497	$21,723
Deposit (10% standard)	$78,994	$43,446
Deposit (20% no LMI)	$157,988	$86,893
Stamp duty	$43,446	$17,378
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Beaconsfield Upper 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Beaconsfield Upper?

Entry-level prices (2026):

Cheapest houses: $569,748 - $645,714
Entry-level units: $303,865 - $417,815
Off-the-plan apartments: $265,882 - $379,832

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Beaconsfield Upper? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $41,781 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$37,983	$20,890
Deposit (10% standard)	$75,966	$41,781
Deposit (20% no LMI)	$151,932	$83,563
Stamp duty	$41,781	$16,712
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Belgrave Heights 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Belgrave Heights?

Entry-level prices (2026):

Cheapest houses: $576,671 - $653,560
Entry-level units: $307,558 - $422,892
Off-the-plan apartments: $269,113 - $384,447

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Belgrave Heights? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $42,289 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$38,444	$21,144
Deposit (10% standard)	$76,889	$42,289
Deposit (20% no LMI)	$153,779	$84,578
Stamp duty	$42,289	$16,915
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Best Restaurants Melbourne 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Best Restaurants Melbourne?

Entry-level prices (2026):

Cheapest houses: $369,092 - $418,304
Entry-level units: $196,849 - $270,667
Off-the-plan apartments: $172,243 - $246,061

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Best Restaurants Melbourne? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $27,066 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$24,606	$13,533
Deposit (10% standard)	$49,212	$27,066
Deposit (20% no LMI)	$98,424	$54,133
Stamp duty	$27,066	$10,826
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Bittern 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Bittern?

Entry-level prices (2026):

Cheapest houses: $342,632 - $388,316
Entry-level units: $182,737 - $251,263
Off-the-plan apartments: $159,895 - $228,421

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Bittern? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $25,126 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$22,842	$12,563
Deposit (10% standard)	$45,684	$25,126
Deposit (20% no LMI)	$91,368	$50,252
Stamp duty	$25,126	$10,050
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Cbd 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Cbd?

Entry-level prices (2026):

Cheapest houses: $480,573 - $544,649
Entry-level units: $256,305 - $352,420
Off-the-plan apartments: $224,267 - $320,382

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Cbd? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $35,242 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$32,038	$17,621
Deposit (10% standard)	$64,076	$35,242
Deposit (20% no LMI)	$128,152	$70,484
Stamp duty	$35,242	$14,096
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Cheapest Suburbs Melbourne 2026 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Cheapest Suburbs Melbourne 2026?

Entry-level prices (2026):

Cheapest houses: $474,661 - $537,949
Entry-level units: $253,152 - $348,085
Off-the-plan apartments: $221,508 - $316,441

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Cheapest Suburbs Melbourne 2026? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,808 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,644	$17,404
Deposit (10% standard)	$63,288	$34,808
Deposit (20% no LMI)	$126,576	$69,617
Stamp duty	$34,808	$13,923
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Corio 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Corio?

Entry-level prices (2026):

Cheapest houses: $482,810 - $547,184
Entry-level units: $257,498 - $354,060
Off-the-plan apartments: $225,311 - $321,873

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Corio? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $35,406 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$32,187	$17,703
Deposit (10% standard)	$64,374	$35,406
Deposit (20% no LMI)	$128,749	$70,812
Stamp duty	$35,406	$14,162
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Crib Point 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Crib Point?

Entry-level prices (2026):

Cheapest houses: $514,151 - $582,704
Entry-level units: $274,214 - $377,044
Off-the-plan apartments: $239,937 - $342,767

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Crib Point? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $37,704 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,276	$18,852
Deposit (10% standard)	$68,553	$37,704
Deposit (20% no LMI)	$137,107	$75,408
Stamp duty	$37,704	$15,081
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Dixons Creek 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Dixons Creek?

Entry-level prices (2026):

Cheapest houses: $565,803 - $641,244
Entry-level units: $301,762 - $414,922
Off-the-plan apartments: $264,041 - $377,202

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Dixons Creek? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $41,492 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$37,720	$20,746
Deposit (10% standard)	$75,440	$41,492
Deposit (20% no LMI)	$150,881	$82,984
Stamp duty	$41,492	$16,596
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Dromana 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Dromana?

Entry-level prices (2026):

Cheapest houses: $351,961 - $398,889
Entry-level units: $187,712 - $258,105
Off-the-plan apartments: $164,248 - $234,641

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Dromana? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $25,810 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$23,464	$12,905
Deposit (10% standard)	$46,928	$25,810
Deposit (20% no LMI)	$93,856	$51,621
Stamp duty	$25,810	$10,324
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Events 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Events?

Entry-level prices (2026):

Cheapest houses: $548,404 - $621,525
Entry-level units: $292,482 - $402,163
Off-the-plan apartments: $255,922 - $365,603

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Events? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $40,216 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$36,560	$20,108
Deposit (10% standard)	$73,120	$40,216
Deposit (20% no LMI)	$146,241	$80,432
Stamp duty	$40,216	$16,086
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Heathcote Junction 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Heathcote Junction?

Entry-level prices (2026):

Cheapest houses: $470,142 - $532,828
Entry-level units: $250,742 - $344,771
Off-the-plan apartments: $219,399 - $313,428

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Heathcote Junction? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,477 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,342	$17,238
Deposit (10% standard)	$62,685	$34,477
Deposit (20% no LMI)	$125,371	$68,954
Stamp duty	$34,477	$13,790
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Kallista 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Kallista?

Entry-level prices (2026):

Cheapest houses: $567,235 - $642,866
Entry-level units: $302,525 - $415,972
Off-the-plan apartments: $264,709 - $378,157

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Kallista? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $41,597 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$37,815	$20,798
Deposit (10% standard)	$75,631	$41,597
Deposit (20% no LMI)	$151,262	$83,194
Stamp duty	$41,597	$16,638
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Kangaroo Ground 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Kangaroo Ground?

Entry-level prices (2026):

Cheapest houses: $587,621 - $665,970
Entry-level units: $313,398 - $430,922
Off-the-plan apartments: $274,223 - $391,747

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Kangaroo Ground? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $43,092 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$39,174	$21,546
Deposit (10% standard)	$78,349	$43,092
Deposit (20% no LMI)	$156,699	$86,184
Stamp duty	$43,092	$17,236
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Keilor North 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Keilor North?

Entry-level prices (2026):

Cheapest houses: $421,691 - $477,916
Entry-level units: $224,902 - $309,240
Off-the-plan apartments: $196,789 - $281,127

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Keilor North? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $30,924 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$28,112	$15,462
Deposit (10% standard)	$56,225	$30,924
Deposit (20% no LMI)	$112,451	$61,848
Stamp duty	$30,924	$12,369
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Kurunjang 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Kurunjang?

Entry-level prices (2026):

Cheapest houses: $516,732 - $585,630
Entry-level units: $275,590 - $378,937
Off-the-plan apartments: $241,141 - $344,488

Houses are accessible for first-home buyers here, especially with government grants and concessions.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Kurunjang? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $37,893 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,448	$18,946
Deposit (10% standard)	$68,897	$37,893
Deposit (20% no LMI)	$137,795	$75,787
Stamp duty	$37,893	$15,157
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Lancefield 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Lancefield?

Entry-level prices (2026):

Cheapest houses: $471,861 - $534,775
Entry-level units: $251,659 - $346,031
Off-the-plan apartments: $220,201 - $314,574

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Lancefield? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,603 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,457	$17,301
Deposit (10% standard)	$62,914	$34,603
Deposit (20% no LMI)	$125,829	$69,206
Stamp duty	$34,603	$13,841
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Mccrae 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Mccrae?

Entry-level prices (2026):

Cheapest houses: $401,535 - $455,073
Entry-level units: $214,152 - $294,459
Off-the-plan apartments: $187,383 - $267,690

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Mccrae? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,445 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$26,769	$14,722
Deposit (10% standard)	$53,538	$29,445
Deposit (20% no LMI)	$107,076	$58,891
Stamp duty	$29,445	$11,778
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Melbourne Food Suburbs Best 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Melbourne Food Suburbs Best?

Entry-level prices (2026):

Cheapest houses: $444,874 - $504,191
Entry-level units: $237,266 - $326,241
Off-the-plan apartments: $207,608 - $296,583

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Melbourne Food Suburbs Best? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $32,624 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$29,658	$16,312
Deposit (10% standard)	$59,316	$32,624
Deposit (20% no LMI)	$118,633	$65,248
Stamp duty	$32,624	$13,049
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Melbourne Gentrification Suburbs 2026 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Melbourne Gentrification Suburbs 2026?

Entry-level prices (2026):

Cheapest houses: $547,476 - $620,472
Entry-level units: $291,987 - $401,482
Off-the-plan apartments: $255,488 - $364,984

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Melbourne Gentrification Suburbs 2026? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $40,148 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$36,498	$20,074
Deposit (10% standard)	$72,996	$40,148
Deposit (20% no LMI)	$145,993	$80,296
Stamp duty	$40,148	$16,059
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Melbourne Public Transport Best Suburbs 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Melbourne Public Transport Best Suburbs?

Entry-level prices (2026):

Cheapest houses: $426,932 - $483,856
Entry-level units: $227,697 - $313,083
Off-the-plan apartments: $199,235 - $284,621

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Melbourne Public Transport Best Suburbs? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $31,308 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$28,462	$15,654
Deposit (10% standard)	$56,924	$31,308
Deposit (20% no LMI)	$113,848	$62,616
Stamp duty	$31,308	$12,523
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Melbourne Rental Crisis Guide 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Melbourne Rental Crisis Guide?

Entry-level prices (2026):

Cheapest houses: $528,702 - $599,195
Entry-level units: $281,974 - $387,714
Off-the-plan apartments: $246,727 - $352,468

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Melbourne Rental Crisis Guide? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $38,771 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$35,246	$19,385
Deposit (10% standard)	$70,493	$38,771
Deposit (20% no LMI)	$140,987	$77,542
Stamp duty	$38,771	$15,508
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Melton South 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Melton South?

Entry-level prices (2026):

Cheapest houses: $368,702 - $417,862
Entry-level units: $196,641 - $270,381
Off-the-plan apartments: $172,061 - $245,801

Houses are accessible for first-home buyers here, especially with government grants and concessions.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Melton South? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $27,038 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$24,580	$13,519
Deposit (10% standard)	$49,160	$27,038
Deposit (20% no LMI)	$98,320	$54,076
Stamp duty	$27,038	$10,815
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Melton West 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Melton West?

Entry-level prices (2026):

Cheapest houses: $431,439 - $488,965
Entry-level units: $230,101 - $316,389
Off-the-plan apartments: $201,338 - $287,626

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Melton West? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $31,638 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$28,762	$15,819
Deposit (10% standard)	$57,525	$31,638
Deposit (20% no LMI)	$115,050	$63,277
Stamp duty	$31,638	$12,655
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Moorabbin Airport 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Moorabbin Airport?

Entry-level prices (2026):

Cheapest houses: $451,791 - $512,030
Entry-level units: $240,955 - $331,313
Off-the-plan apartments: $210,836 - $301,194

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Moorabbin Airport? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $33,131 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$30,119	$16,565
Deposit (10% standard)	$60,238	$33,131
Deposit (20% no LMI)	$120,477	$66,262
Stamp duty	$33,131	$13,252
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Moorooduc 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Moorooduc?

Entry-level prices (2026):

Cheapest houses: $358,302 - $406,076
Entry-level units: $191,094 - $262,755
Off-the-plan apartments: $167,207 - $238,868

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Moorooduc? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $26,275 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$23,886	$13,137
Deposit (10% standard)	$47,773	$26,275
Deposit (20% no LMI)	$95,547	$52,551
Stamp duty	$26,275	$10,510
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Mount Cottrell 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Mount Cottrell?

Entry-level prices (2026):

Cheapest houses: $596,122 - $675,605
Entry-level units: $317,932 - $437,156
Off-the-plan apartments: $278,190 - $397,415

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Mount Cottrell? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $43,715 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$39,741	$21,857
Deposit (10% standard)	$79,483	$43,715
Deposit (20% no LMI)	$158,966	$87,431
Stamp duty	$43,715	$17,486
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Nar Nar Goon 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Nar Nar Goon?

Entry-level prices (2026):

Cheapest houses: $474,171 - $537,393
Entry-level units: $252,891 - $347,725
Off-the-plan apartments: $221,279 - $316,114

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Nar Nar Goon? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,772 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,611	$17,386
Deposit (10% standard)	$63,222	$34,772
Deposit (20% no LMI)	$126,445	$69,545
Stamp duty	$34,772	$13,909
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in New Years Eve Melbourne Best Suburbs 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford New Years Eve Melbourne Best Suburbs?

Entry-level prices (2026):

Cheapest houses: $526,864 - $597,113
Entry-level units: $280,994 - $386,367
Off-the-plan apartments: $245,870 - $351,243

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in New Years Eve Melbourne Best Suburbs? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $38,636 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$35,124	$19,318
Deposit (10% standard)	$70,248	$38,636
Deposit (20% no LMI)	$140,497	$77,273
Stamp duty	$38,636	$15,454
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Notting Hill 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Notting Hill?

Entry-level prices (2026):

Cheapest houses: $422,517 - $478,853
Entry-level units: $225,342 - $309,846
Off-the-plan apartments: $197,174 - $281,678

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Notting Hill? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $30,984 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$28,167	$15,492
Deposit (10% standard)	$56,335	$30,984
Deposit (20% no LMI)	$112,671	$61,969
Stamp duty	$30,984	$12,393
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Olinda 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Olinda?

Entry-level prices (2026):

Cheapest houses: $584,632 - $662,583
Entry-level units: $311,804 - $428,730
Off-the-plan apartments: $272,828 - $389,755

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Olinda? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $42,873 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$38,975	$21,436
Deposit (10% standard)	$77,951	$42,873
Deposit (20% no LMI)	$155,902	$85,746
Stamp duty	$42,873	$17,149
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Pakenham Upper 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Pakenham Upper?

Entry-level prices (2026):

Cheapest houses: $520,594 - $590,007
Entry-level units: $277,650 - $381,769
Off-the-plan apartments: $242,944 - $347,063

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Pakenham Upper? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $38,176 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,706	$19,088
Deposit (10% standard)	$69,412	$38,176
Deposit (20% no LMI)	$138,825	$76,353
Stamp duty	$38,176	$15,270
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Parwan 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Parwan?

Entry-level prices (2026):

Cheapest houses: $407,016 - $461,284
Entry-level units: $217,075 - $298,478
Off-the-plan apartments: $189,940 - $271,344

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Parwan? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,847 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$27,134	$14,923
Deposit (10% standard)	$54,268	$29,847
Deposit (20% no LMI)	$108,537	$59,695
Stamp duty	$29,847	$11,939
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Plumpton 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Plumpton?

Entry-level prices (2026):

Cheapest houses: $556,823 - $631,066
Entry-level units: $296,972 - $408,337
Off-the-plan apartments: $259,850 - $371,215

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Plumpton? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $40,833 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$37,121	$20,416
Deposit (10% standard)	$74,243	$40,833
Deposit (20% no LMI)	$148,486	$81,667
Stamp duty	$40,833	$16,333
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Ravenhall 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Ravenhall?

Entry-level prices (2026):

Cheapest houses: $513,521 - $581,990
Entry-level units: $273,878 - $376,582
Off-the-plan apartments: $239,643 - $342,347

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Ravenhall? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $37,658 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,234	$18,829
Deposit (10% standard)	$68,469	$37,658
Deposit (20% no LMI)	$136,939	$75,316
Stamp duty	$37,658	$15,063
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Red Hill 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Red Hill?

Entry-level prices (2026):

Cheapest houses: $390,799 - $442,906
Entry-level units: $208,426 - $286,586
Off-the-plan apartments: $182,373 - $260,533

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Red Hill? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $28,658 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$26,053	$14,329
Deposit (10% standard)	$52,106	$28,658
Deposit (20% no LMI)	$104,213	$57,317
Stamp duty	$28,658	$11,463
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Romsey 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Romsey?

Entry-level prices (2026):

Cheapest houses: $396,075 - $448,885
Entry-level units: $211,240 - $290,455
Off-the-plan apartments: $184,835 - $264,050

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Romsey? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,045 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$26,405	$14,522
Deposit (10% standard)	$52,810	$29,045
Deposit (20% no LMI)	$105,620	$58,091
Stamp duty	$29,045	$11,618
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Sanctuary Lakes 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Sanctuary Lakes?

Entry-level prices (2026):

Cheapest houses: $576,598 - $653,478
Entry-level units: $307,519 - $422,838
Off-the-plan apartments: $269,079 - $384,399

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Sanctuary Lakes? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $42,283 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$38,439	$21,141
Deposit (10% standard)	$76,879	$42,283
Deposit (20% no LMI)	$153,759	$84,567
Stamp duty	$42,283	$16,913
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Sherbrooke 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Sherbrooke?

Entry-level prices (2026):

Cheapest houses: $592,612 - $671,627
Entry-level units: $316,060 - $434,582
Off-the-plan apartments: $276,552 - $395,075

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Sherbrooke? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $43,458 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$39,507	$21,729
Deposit (10% standard)	$79,015	$43,458
Deposit (20% no LMI)	$158,030	$86,916
Stamp duty	$43,458	$17,383
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Somerville 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Somerville?

Entry-level prices (2026):

Cheapest houses: $403,101 - $456,847
Entry-level units: $214,987 - $295,607
Off-the-plan apartments: $188,113 - $268,734

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Somerville? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,560 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$26,873	$14,780
Deposit (10% standard)	$53,746	$29,560
Deposit (20% no LMI)	$107,493	$59,121
Stamp duty	$29,560	$11,824
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in The Patch 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford The Patch?

Entry-level prices (2026):

Cheapest houses: $406,839 - $461,084
Entry-level units: $216,980 - $298,348
Off-the-plan apartments: $189,858 - $271,226

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in The Patch? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,834 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$27,122	$14,917
Deposit (10% standard)	$54,245	$29,834
Deposit (20% no LMI)	$108,490	$59,669
Stamp duty	$29,834	$11,933
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Tools 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Tools?

Entry-level prices (2026):

Cheapest houses: $471,177 - $534,001
Entry-level units: $251,294 - $345,530
Off-the-plan apartments: $219,882 - $314,118

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Tools? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,553 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,411	$17,276
Deposit (10% standard)	$62,823	$34,553
Deposit (20% no LMI)	$125,647	$69,106
Stamp duty	$34,553	$13,821
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Tooradin 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Tooradin?

Entry-level prices (2026):

Cheapest houses: $580,677 - $658,100
Entry-level units: $309,694 - $425,829
Off-the-plan apartments: $270,982 - $387,118

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Tooradin? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $42,582 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$38,711	$21,291
Deposit (10% standard)	$77,423	$42,582
Deposit (20% no LMI)	$154,847	$85,165
Stamp duty	$42,582	$17,033
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Tootgarook 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Tootgarook?

Entry-level prices (2026):

Cheapest houses: $512,678 - $581,035
Entry-level units: $273,428 - $375,964
Off-the-plan apartments: $239,249 - $341,785

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Tootgarook? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $37,596 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,178	$18,798
Deposit (10% standard)	$68,357	$37,596
Deposit (20% no LMI)	$136,714	$75,192
Stamp duty	$37,596	$15,038
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Transport 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Transport?

Entry-level prices (2026):

Cheapest houses: $463,028 - $524,765
Entry-level units: $246,948 - $339,554
Off-the-plan apartments: $216,079 - $308,685

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Transport? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $33,955 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$30,868	$16,977
Deposit (10% standard)	$61,737	$33,955
Deposit (20% no LMI)	$123,474	$67,910
Stamp duty	$33,955	$13,582
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Tyabb 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Tyabb?

Entry-level prices (2026):

Cheapest houses: $343,002 - $388,736
Entry-level units: $182,934 - $251,535
Off-the-plan apartments: $160,067 - $228,668

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Tyabb? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $25,153 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$22,866	$12,576
Deposit (10% standard)	$45,733	$25,153
Deposit (20% no LMI)	$91,467	$50,307
Stamp duty	$25,153	$10,061
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Tynong 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Tynong?

Entry-level prices (2026):

Cheapest houses: $450,340 - $510,385
Entry-level units: $240,181 - $330,249
Off-the-plan apartments: $210,158 - $300,227

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Tynong? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $33,024 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$30,022	$16,512
Deposit (10% standard)	$60,045	$33,024
Deposit (20% no LMI)	$120,090	$66,049
Stamp duty	$33,024	$13,209
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Vibe Score 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Vibe Score?

Entry-level prices (2026):

Cheapest houses: $450,172 - $510,195
Entry-level units: $240,092 - $330,126
Off-the-plan apartments: $210,080 - $300,115

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Vibe Score? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $33,012 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$30,011	$16,506
Deposit (10% standard)	$60,023	$33,012
Deposit (20% no LMI)	$120,046	$66,025
Stamp duty	$33,012	$13,205
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Wallan 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Wallan?

Entry-level prices (2026):

Cheapest houses: $496,869 - $563,118
Entry-level units: $264,996 - $364,370
Off-the-plan apartments: $231,872 - $331,246

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Wallan? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $36,437 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$33,124	$18,218
Deposit (10% standard)	$66,249	$36,437
Deposit (20% no LMI)	$132,498	$72,874
Stamp duty	$36,437	$14,574
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Wandin North 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Wandin North?

Entry-level prices (2026):

Cheapest houses: $406,590 - $460,802
Entry-level units: $216,848 - $298,166
Off-the-plan apartments: $189,742 - $271,060

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Wandin North? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,816 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$27,106	$14,908
Deposit (10% standard)	$54,212	$29,816
Deposit (20% no LMI)	$108,424	$59,633
Stamp duty	$29,816	$11,926
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Warrandyte South 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Warrandyte South?

Entry-level prices (2026):

Cheapest houses: $500,951 - $567,744
Entry-level units: $267,174 - $367,364
Off-the-plan apartments: $233,777 - $333,967

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Warrandyte South? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $36,736 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$33,396	$18,368
Deposit (10% standard)	$66,793	$36,736
Deposit (20% no LMI)	$133,587	$73,472
Stamp duty	$36,736	$14,694
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Whittlesea 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Whittlesea?

Entry-level prices (2026):

Cheapest houses: $372,206 - $421,833
Entry-level units: $198,510 - $272,951
Off-the-plan apartments: $173,696 - $248,137

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Whittlesea? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $27,295 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$24,813	$13,647
Deposit (10% standard)	$49,627	$27,295
Deposit (20% no LMI)	$99,255	$54,590
Stamp duty	$27,295	$10,918
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Winter 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Winter?

Entry-level prices (2026):

Cheapest houses: $358,470 - $406,266
Entry-level units: $191,184 - $262,878
Off-the-plan apartments: $167,286 - $238,980

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Winter? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $26,287 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$23,898	$13,143
Deposit (10% standard)	$47,796	$26,287
Deposit (20% no LMI)	$95,592	$52,575
Stamp duty	$26,287	$10,515
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Buying Your First Home in Woodend 2026: The Complete Guide

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Woodend?

Entry-level prices (2026):

Cheapest houses: $408,914 - $463,436
Entry-level units: $218,087 - $299,870
Off-the-plan apartments: $190,826 - $272,609

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Woodend? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,987 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$27,260	$14,993
Deposit (10% standard)	$54,521	$29,987
Deposit (20% no LMI)	$109,043	$59,974
Stamp duty	$29,987	$11,994
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Cannons Creek for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Cannons Creek?

Entry-level prices (2026):

Cheapest houses: $474,977 - $538,307
Entry-level units: $253,321 - $348,316
Off-the-plan apartments: $221,656 - $316,651

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Cannons Creek? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,831 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,665	$17,415
Deposit (10% standard)	$63,330	$34,831
Deposit (20% no LMI)	$126,660	$69,663
Stamp duty	$34,831	$13,932
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Cocoroc for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Cocoroc?

Entry-level prices (2026):

Cheapest houses: $474,403 - $537,657
Entry-level units: $253,015 - $347,895
Off-the-plan apartments: $221,388 - $316,269

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Cocoroc? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,789 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,626	$17,394
Deposit (10% standard)	$63,253	$34,789
Deposit (20% no LMI)	$126,507	$69,579
Stamp duty	$34,789	$13,915
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Cost Of Living for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Cost Of Living?

Entry-level prices (2026):

Cheapest houses: $550,506 - $623,907
Entry-level units: $293,603 - $403,704
Off-the-plan apartments: $256,903 - $367,004

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Cost Of Living? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $40,370 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$36,700	$20,185
Deposit (10% standard)	$73,400	$40,370
Deposit (20% no LMI)	$146,801	$80,740
Stamp duty	$40,370	$16,148
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Craigieburn North for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Craigieburn North?

Entry-level prices (2026):

Cheapest houses: $361,815 - $410,057
Entry-level units: $192,968 - $265,331
Off-the-plan apartments: $168,847 - $241,210

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Craigieburn North? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $26,533 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$24,121	$13,266
Deposit (10% standard)	$48,242	$26,533
Deposit (20% no LMI)	$96,484	$53,066
Stamp duty	$26,533	$10,613
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Craigieburn South for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Craigieburn South?

Entry-level prices (2026):

Cheapest houses: $437,990 - $496,388
Entry-level units: $233,594 - $321,192
Off-the-plan apartments: $204,395 - $291,993

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Craigieburn South? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $32,119 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$29,199	$16,059
Deposit (10% standard)	$58,398	$32,119
Deposit (20% no LMI)	$116,797	$64,238
Stamp duty	$32,119	$12,847
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Croydon Hills for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Croydon Hills?

Entry-level prices (2026):

Cheapest houses: $567,864 - $643,580
Entry-level units: $302,861 - $416,434
Off-the-plan apartments: $265,003 - $378,576

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Croydon Hills? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $41,643 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$37,857	$20,821
Deposit (10% standard)	$75,715	$41,643
Deposit (20% no LMI)	$151,430	$83,286
Stamp duty	$41,643	$16,657
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Derrimut for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Derrimut?

Entry-level prices (2026):

Cheapest houses: $581,186 - $658,677
Entry-level units: $309,966 - $426,203
Off-the-plan apartments: $271,220 - $387,457

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Derrimut? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $42,620 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$38,745	$21,310
Deposit (10% standard)	$77,491	$42,620
Deposit (20% no LMI)	$154,983	$85,240
Stamp duty	$42,620	$17,048
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Doveton for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Doveton?

Entry-level prices (2026):

Cheapest houses: $339,892 - $385,211
Entry-level units: $181,276 - $249,254
Off-the-plan apartments: $158,616 - $226,595

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Doveton? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $24,925 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$22,659	$12,462
Deposit (10% standard)	$45,319	$24,925
Deposit (20% no LMI)	$90,638	$49,850
Stamp duty	$24,925	$9,970
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Eumemmerring for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Eumemmerring?

Entry-level prices (2026):

Cheapest houses: $518,655 - $587,809
Entry-level units: $276,616 - $380,347
Off-the-plan apartments: $242,038 - $345,770

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Eumemmerring? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $38,034 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,577	$19,017
Deposit (10% standard)	$69,154	$38,034
Deposit (20% no LMI)	$138,308	$76,069
Stamp duty	$38,034	$15,213
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

Exford for First Home Buyers 2026: Can You Afford It?

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Exford?

Entry-level prices (2026):

Cheapest houses: $353,393 - $400,512
Entry-level units: $188,476 - $259,155
Off-the-plan apartments: $164,916 - $235,595

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Exford? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $25,915 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$23,559	$12,957
Deposit (10% standard)	$47,119	$25,915
Deposit (20% no LMI)	$94,238	$51,831
Stamp duty	$25,915	$10,366
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Balnarring 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Balnarring?

Entry-level prices (2026):

Cheapest houses: $357,843 - $405,556
Entry-level units: $190,850 - $262,418
Off-the-plan apartments: $166,993 - $238,562

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Balnarring? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $26,241 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$23,856	$13,120
Deposit (10% standard)	$47,712	$26,241
Deposit (20% no LMI)	$95,425	$52,483
Stamp duty	$26,241	$10,496
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Bangholme 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Bangholme?

Entry-level prices (2026):

Cheapest houses: $507,589 - $575,268
Entry-level units: $270,714 - $372,232
Off-the-plan apartments: $236,875 - $338,393

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Bangholme? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $37,223 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$33,839	$18,611
Deposit (10% standard)	$67,678	$37,223
Deposit (20% no LMI)	$135,357	$74,446
Stamp duty	$37,223	$14,889
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Baxter 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Baxter?

Entry-level prices (2026):

Cheapest houses: $504,502 - $571,769
Entry-level units: $269,068 - $369,968
Off-the-plan apartments: $235,434 - $336,335

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Baxter? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $36,996 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$33,633	$18,498
Deposit (10% standard)	$67,267	$36,996
Deposit (20% no LMI)	$134,534	$73,993
Stamp duty	$36,996	$14,798
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Belgrave South 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Belgrave South?

Entry-level prices (2026):

Cheapest houses: $411,925 - $466,848
Entry-level units: $219,693 - $302,078
Off-the-plan apartments: $192,231 - $274,617

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Belgrave South? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $30,207 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$27,461	$15,103
Deposit (10% standard)	$54,923	$30,207
Deposit (20% no LMI)	$109,846	$60,415
Stamp duty	$30,207	$12,083
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Best Suburbs Young Professionals 2026 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Best Suburbs Young Professionals 2026?

Entry-level prices (2026):

Cheapest houses: $458,498 - $519,631
Entry-level units: $244,532 - $336,232
Off-the-plan apartments: $213,965 - $305,665

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Best Suburbs Young Professionals 2026? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $33,623 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$30,566	$16,811
Deposit (10% standard)	$61,133	$33,623
Deposit (20% no LMI)	$122,266	$67,246
Stamp duty	$33,623	$13,449
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Best Walks Melbourne Suburbs 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Best Walks Melbourne Suburbs?

Entry-level prices (2026):

Cheapest houses: $410,742 - $465,508
Entry-level units: $219,062 - $301,211
Off-the-plan apartments: $191,679 - $273,828

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Best Walks Melbourne Suburbs? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $30,121 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$27,382	$15,060
Deposit (10% standard)	$54,765	$30,121
Deposit (20% no LMI)	$109,531	$60,242
Stamp duty	$30,121	$12,048
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Beveridge 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Beveridge?

Entry-level prices (2026):

Cheapest houses: $591,000 - $669,800
Entry-level units: $315,200 - $433,400
Off-the-plan apartments: $275,800 - $394,000

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Beveridge? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $43,340 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$39,400	$21,670
Deposit (10% standard)	$78,800	$43,340
Deposit (20% no LMI)	$157,600	$86,680
Stamp duty	$43,340	$17,336
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Blairgowrie 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Blairgowrie?

Entry-level prices (2026):

Cheapest houses: $357,922 - $405,645
Entry-level units: $190,892 - $262,476
Off-the-plan apartments: $167,030 - $238,615

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Blairgowrie? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $26,247 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$23,861	$13,123
Deposit (10% standard)	$47,723	$26,247
Deposit (20% no LMI)	$95,446	$52,495
Stamp duty	$26,247	$10,499
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Broadford 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Broadford?

Entry-level prices (2026):

Cheapest houses: $588,231 - $666,661
Entry-level units: $313,723 - $431,369
Off-the-plan apartments: $274,507 - $392,154

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Broadford? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $43,136 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$39,215	$21,568
Deposit (10% standard)	$78,430	$43,136
Deposit (20% no LMI)	$156,861	$86,273
Stamp duty	$43,136	$17,254
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Cardinia 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Cardinia?

Entry-level prices (2026):

Cheapest houses: $337,626 - $382,643
Entry-level units: $180,067 - $247,592
Off-the-plan apartments: $157,559 - $225,084

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Cardinia? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $24,759 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$22,508	$12,379
Deposit (10% standard)	$45,016	$24,759
Deposit (20% no LMI)	$90,033	$49,518
Stamp duty	$24,759	$9,903
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Catani 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Catani?

Entry-level prices (2026):

Cheapest houses: $404,509 - $458,444
Entry-level units: $215,738 - $296,640
Off-the-plan apartments: $188,771 - $269,673

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Catani? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,664 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$26,967	$14,832
Deposit (10% standard)	$53,934	$29,664
Deposit (20% no LMI)	$107,869	$59,328
Stamp duty	$29,664	$11,865
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Clematis 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Clematis?

Entry-level prices (2026):

Cheapest houses: $548,014 - $621,083
Entry-level units: $292,274 - $401,877
Off-the-plan apartments: $255,740 - $365,343

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Clematis? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $40,187 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$36,534	$20,093
Deposit (10% standard)	$73,068	$40,187
Deposit (20% no LMI)	$146,137	$80,375
Stamp duty	$40,187	$16,075
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Cobblebank 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Cobblebank?

Entry-level prices (2026):

Cheapest houses: $395,628 - $448,379
Entry-level units: $211,002 - $290,127
Off-the-plan apartments: $184,626 - $263,752

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Cobblebank? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,012 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$26,375	$14,506
Deposit (10% standard)	$52,750	$29,012
Deposit (20% no LMI)	$105,501	$58,025
Stamp duty	$29,012	$11,605
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Comparisons 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Comparisons?

Entry-level prices (2026):

Cheapest houses: $477,200 - $540,826
Entry-level units: $254,506 - $349,946
Off-the-plan apartments: $222,693 - $318,133

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Comparisons? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,994 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,813	$17,497
Deposit (10% standard)	$63,626	$34,994
Deposit (20% no LMI)	$127,253	$69,989
Stamp duty	$34,994	$13,997
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Eltham North 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Eltham North?

Entry-level prices (2026):

Cheapest houses: $579,579 - $656,857
Entry-level units: $309,109 - $425,025
Off-the-plan apartments: $270,470 - $386,386

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Eltham North? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $42,502 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$38,638	$21,251
Deposit (10% standard)	$77,277	$42,502
Deposit (20% no LMI)	$154,554	$85,005
Stamp duty	$42,502	$17,001
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Gisborne 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Gisborne?

Entry-level prices (2026):

Cheapest houses: $520,301 - $589,674
Entry-level units: $277,494 - $381,554
Off-the-plan apartments: $242,807 - $346,867

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Gisborne? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $38,155 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,686	$19,077
Deposit (10% standard)	$69,373	$38,155
Deposit (20% no LMI)	$138,747	$76,310
Stamp duty	$38,155	$15,262
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Heatherton 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Heatherton?

Entry-level prices (2026):

Cheapest houses: $405,747 - $459,847
Entry-level units: $216,398 - $297,548
Off-the-plan apartments: $189,348 - $270,498

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Heatherton? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $29,754 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$27,049	$14,877
Deposit (10% standard)	$54,099	$29,754
Deposit (20% no LMI)	$108,199	$59,509
Stamp duty	$29,754	$11,901
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Lara 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Lara?

Entry-level prices (2026):

Cheapest houses: $585,115 - $663,130
Entry-level units: $312,061 - $429,084
Off-the-plan apartments: $273,053 - $390,077

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Lara? LIMITED – only new builds under $750,000 qualify (most established stock exceeds this)
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $42,908 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$39,007	$21,454
Deposit (10% standard)	$78,015	$42,908
Deposit (20% no LMI)	$156,030	$85,816
Stamp duty	$42,908	$17,163
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Little River 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Little River?

Entry-level prices (2026):

Cheapest houses: $562,218 - $637,180
Entry-level units: $299,849 - $412,293
Off-the-plan apartments: $262,368 - $374,812

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Little River? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $41,229 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$37,481	$20,614
Deposit (10% standard)	$74,962	$41,229
Deposit (20% no LMI)	$149,924	$82,458
Stamp duty	$41,229	$16,491
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Melbourne Nightlife Suburbs Guide 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Melbourne Nightlife Suburbs Guide?

Entry-level prices (2026):

Cheapest houses: $495,047 - $561,053
Entry-level units: $264,025 - $363,034
Off-the-plan apartments: $231,022 - $330,031

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Melbourne Nightlife Suburbs Guide? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $36,303 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$33,003	$18,151
Deposit (10% standard)	$66,006	$36,303
Deposit (20% no LMI)	$132,012	$72,606
Stamp duty	$36,303	$14,521
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Menzies Creek 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Menzies Creek?

Entry-level prices (2026):

Cheapest houses: $561,217 - $636,046
Entry-level units: $299,316 - $411,559
Off-the-plan apartments: $261,901 - $374,145

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Menzies Creek? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $41,155 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$37,414	$20,577
Deposit (10% standard)	$74,829	$41,155
Deposit (20% no LMI)	$149,658	$82,311
Stamp duty	$41,155	$16,462
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Monbulk 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Monbulk?

Entry-level prices (2026):

Cheapest houses: $557,282 - $631,586
Entry-level units: $297,217 - $408,673
Off-the-plan apartments: $260,065 - $371,521

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Monbulk? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $40,867 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$37,152	$20,433
Deposit (10% standard)	$74,304	$40,867
Deposit (20% no LMI)	$148,608	$81,734
Stamp duty	$40,867	$16,346
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Mount Dandenong 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Mount Dandenong?

Entry-level prices (2026):

Cheapest houses: $424,632 - $481,250
Entry-level units: $226,470 - $311,397
Off-the-plan apartments: $198,161 - $283,088

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Mount Dandenong? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $31,139 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$28,308	$15,569
Deposit (10% standard)	$56,617	$31,139
Deposit (20% no LMI)	$113,235	$62,279
Stamp duty	$31,139	$12,455
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Mount Duneed 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Mount Duneed?

Entry-level prices (2026):

Cheapest houses: $435,143 - $493,162
Entry-level units: $232,076 - $319,105
Off-the-plan apartments: $203,066 - $290,095

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Mount Duneed? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $31,910 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$29,009	$15,955
Deposit (10% standard)	$58,019	$31,910
Deposit (20% no LMI)	$116,038	$63,821
Stamp duty	$31,910	$12,764
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Nar Nar Goon North 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Nar Nar Goon North?

Entry-level prices (2026):

Cheapest houses: $506,771 - $574,340
Entry-level units: $270,278 - $371,632
Off-the-plan apartments: $236,493 - $337,847

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Nar Nar Goon North? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $37,163 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$33,784	$18,581
Deposit (10% standard)	$67,569	$37,163
Deposit (20% no LMI)	$135,139	$74,326
Stamp duty	$37,163	$14,865
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Norlane 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Norlane?

Entry-level prices (2026):

Cheapest houses: $523,629 - $593,446
Entry-level units: $279,268 - $383,994
Off-the-plan apartments: $244,360 - $349,086

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Norlane? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $38,399 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,908	$19,199
Deposit (10% standard)	$69,817	$38,399
Deposit (20% no LMI)	$139,634	$76,798
Stamp duty	$38,399	$15,359
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to North Warrandyte 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford North Warrandyte?

Entry-level prices (2026):

Cheapest houses: $517,133 - $586,084
Entry-level units: $275,804 - $379,231
Off-the-plan apartments: $241,328 - $344,755

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in North Warrandyte? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $37,923 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$34,475	$18,961
Deposit (10% standard)	$68,951	$37,923
Deposit (20% no LMI)	$137,902	$75,846
Stamp duty	$37,923	$15,169
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Pakenham South 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Pakenham South?

Entry-level prices (2026):

Cheapest houses: $353,937 - $401,129
Entry-level units: $188,766 - $259,554
Off-the-plan apartments: $165,170 - $235,958

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Pakenham South? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $25,955 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$23,595	$12,977
Deposit (10% standard)	$47,191	$25,955
Deposit (20% no LMI)	$94,383	$51,910
Stamp duty	$25,955	$10,382
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Portsea 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Portsea?

Entry-level prices (2026):

Cheapest houses: $453,906 - $514,426
Entry-level units: $242,083 - $332,864
Off-the-plan apartments: $211,822 - $302,604

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Portsea? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $33,286 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$30,260	$16,643
Deposit (10% standard)	$60,520	$33,286
Deposit (20% no LMI)	$121,041	$66,572
Stamp duty	$33,286	$13,314
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Quandong 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Quandong?

Entry-level prices (2026):

Cheapest houses: $425,554 - $482,295
Entry-level units: $226,962 - $312,073
Off-the-plan apartments: $198,592 - $283,703

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Quandong? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $31,207 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$28,370	$15,603
Deposit (10% standard)	$56,740	$31,207
Deposit (20% no LMI)	$113,481	$62,414
Stamp duty	$31,207	$12,482
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Riddells Creek 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Riddells Creek?

Entry-level prices (2026):

Cheapest houses: $380,400 - $431,120
Entry-level units: $202,880 - $278,960
Off-the-plan apartments: $177,520 - $253,600

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Riddells Creek? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $27,896 (with concession: ${int(median * 0.02):,})

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$25,360	$13,948
Deposit (10% standard)	$50,720	$27,896
Deposit (20% no LMI)	$101,440	$55,792
Stamp duty	$27,896	$11,158
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):

First Home Buyer Guide to Rye 2026: Grants, Prices & Tips

Wed, 01 Apr 2026 00:00:00 +0000

Can First Home Buyers Afford Rye?

Entry-level prices (2026):

Cheapest houses: $473,166 - $536,255
Entry-level units: $252,355 - $346,988
Off-the-plan apartments: $220,811 - $315,444

A stretch for first-home buyers on houses, but units are achievable. Consider the newer developments for better value.

Grants & Concessions Available

First Home Owner Grant (FHOG)

Amount: $10,000
Eligible in Rye? YES – new homes under $750,000 qualify
Applies to: New homes, off-the-plan apartments, house and land packages

Stamp Duty Concessions

Full exemption: Properties under $600,000 (many units qualify)
Partial concession: Properties $600,001-$750,000
Your stamp duty on median: $34,698 (no concession at this price point)

First Home Guarantee (Federal)

Buy with as little as 5% deposit – no LMI required
Income cap: $125,000 (singles), $200,000 (couples)
Price cap for Melbourne: $800,000

What You Need

Item	Houses	Units
Deposit (5% with guarantee)	$31,544	$17,349
Deposit (10% standard)	$63,088	$34,698
Deposit (20% no LMI)	$126,177	$69,397
Stamp duty	$34,698	$13,879
Legal/conveyancing	$1,500-2,500	$1,500-2,500
Building/pest inspection	$500-800	$300-500

Monthly Repayments

At current rates (~6.2% variable):