NZ First Home Grant Calculator
Check eligibility and estimate the Kainga Ora First Home Grant amount based on KiwiSaver membership, income, and property type.
Regional Rule Context
New Zealand Rates and Rules
Kainga Ora First Home Grant requires 3+ years KiwiSaver membership. Existing home: $1,000/year, max $5,000 per person. New build: $2,000/year, max $10,000 per person. Income caps: $95,000 single, $150,000 couple. House price caps vary by region.
Enter Values
Minimum 3 years required
Only for couple applications
Result
Enter values above and click Calculate to see your result.
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House price caps vary by region and are not included in this calculator. Check Kainga Ora for current price caps in your area. Both partners in a couple can apply separately if each meets the criteria.
Disclaimer: This calculator uses publicly available rules effective as of Apr 18, 2026 (version 1.0). Results are for informational purposes only. Always verify with official sources or a qualified professional. Last reviewed: Apr 18, 2026.
Formula
The First Home Grant provides $1,000 per year of KiwiSaver membership for existing homes (max $5,000) or $2,000 per year for new builds (max $10,000). Each eligible buyer in a couple can apply separately.
New Zealand FAQs
How long do I need in KiwiSaver?
At least 3 years of continuous membership is required to apply.
What are the income caps?
$95,000 per year for single buyers, $150,000 combined for couples.
How much for a new build?
$2,000 per year of membership, up to $10,000 per person.
Can both partners get a grant?
Yes. If both are eligible, each applies separately, doubling the total grant.
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