By Chaice Paterson, CEO & Founder, Low Deposit Homes | Updated June 2026
Comparing like-for-like — a brand-new 4-bedroom home with a second living space and a double garage — house-and-land packages in Caboolture start from about $880,000 in 2026. Caboolture, in the Moreton Bay region about 45 minutes north of Brisbane, is one of Queensland’s most active first home buyer markets. The federal 5% Deposit Scheme applies up to a $1,000,000 price cap, and Queensland charges $0 stamp duty on a new build with no price cap — the two levers that get first home buyers in for around $48,000 cash. Here is exactly how the numbers work.
How much deposit do you need to buy a first home in Caboolture in 2026?
You typically need around $44,000 for a 5% deposit on an $880,000 new 4-bedroom build in Caboolture, plus roughly $4,000 in fees — about $48,000 total cash. Under the 5% Deposit Scheme you pay a 5% deposit with no Lenders Mortgage Insurance, and on a new build in Queensland you pay $0 stamp duty (no price cap). A 20%-deposit buyer would need about $176,000 on the same home, so the scheme stack removes well over $130,000 of upfront cost. Run your own figure with the free Grant Eligibility Calculator.
What does a like-for-like new home cost in Caboolture?
A brand-new 4-bedroom house-and-land package with a second living area and a double garage prices from about $880,000 in Caboolture in 2026. The established-house median is now around $900,000, but that reflects older stock; the new family product is the like-for-like comparison. Caboolture is one of Queensland’s highest-volume housing markets, with a deep new-build pipeline keeping 4-bedroom packages comfortably below the $1,000,000 5% Scheme cap.
Which first home buyer grants and schemes apply in Caboolture?
Two of the main schemes do the heavy lifting on a like-for-like Caboolture new build.
| Scheme | Applies in Caboolture? | Detail |
|---|---|---|
| 5% Deposit Scheme (First Home Guarantee) | Yes — up to $1,000,000 | 5% deposit, no LMI; no income or place caps since 1 Oct 2025; citizens and permanent residents. |
| QLD stamp duty exemption (new builds) | Yes — no price cap | $0 stamp duty on a new home, locked into Queensland law. The biggest single saving here (around $30,000+). |
| QLD First Home Owner Grant | Generally not — over $750,000 | $30,000 for new builds under $750,000. A like-for-like 4-bedroom Caboolture package prices above $750,000, so the grant usually does not apply. |
| Help to Buy | Sometimes | 2% deposit shared-equity; Australian citizens only; income caps $100K single / $160K couple. Cannot be combined with the 5% Scheme. |
Can you get the $30,000 First Home Owner Grant in Caboolture?
Generally not for a like-for-like 4-bedroom home. The Queensland $30,000 grant applies to new builds valued under $750,000, and a 4-bedroom Caboolture package with a second living space and double garage prices from about $880,000 — above the cap. The far bigger and more reliable saving in Queensland is the uncapped $0 stamp duty (worth around $30,000+ on these prices), stacked with the no-LMI 5% Deposit Scheme.
Which new estates in Caboolture have house-and-land packages?
Caboolture and its surrounds have a deep new-build pipeline in 2026, anchored by the emerging Waraba growth area to the west — including Lilywood Landings and Stockland Rivermont — alongside established Moreton Bay estates. These releases offer 4-bedroom house-and-land packages from about $880,000, with parkland, river frontage and new town-centre amenity. We match you to a registering lot and a fixed-price build so your scheme eligibility and timeline are protected. Caboolture is one example of where we build — we build across Queensland and Victoria.
What’s the realistic cash-on-hand for a first home in Caboolture?
Indicative example — a couple buying an $880,000 Caboolture 4-bedroom new build under the 5% Scheme: 5% deposit $44,000; $0 stamp duty (Queensland new-build exemption); $0 LMI (5% Scheme); about $4,000 in fees — roughly $48,000 total cash. These figures are indicative; check how much you could borrow with the Borrowing Power Calculator and confirm your grants with the Grant Eligibility Calculator.
Is Caboolture a good suburb for first home buyers?
Yes — Caboolture suits first home buyers who want a brand-new home in an established, well-serviced regional centre with deep supply and strong sales activity. It offers train access to Brisbane, mature amenity, the no-LMI 5% Scheme, the uncapped $0 stamp duty, and a major new growth area in Waraba to the west. The trade-off is that it is around 45 minutes north of the Brisbane CBD. For first home buyers who want a low-deposit entry with established infrastructure around them, Caboolture is one of the strongest North Brisbane corridors in 2026.
How Low Deposit Homes helps Caboolture first home buyers
We map your eligibility across every scheme, match you to a registering Caboolture lot, structure a fixed-price build, and coordinate the finance through a licensed broker so your 5% Scheme place and timeline stay protected. The service is free to you — Low Deposit Homes is paid by the builder, not the buyer.
Get your free Caboolture first-home plan
See exactly which grants you qualify for and the deposit you’d need on a brand-new Caboolture home. Free, no obligation — usually back to you the same day.
Frequently asked questions
Q: How much deposit do I need to buy a house in Caboolture?
About 5% — roughly $44,000 on an $880,000 new 4-bedroom build — with no LMI under the 5% Deposit Scheme, plus around $4,000 in fees.
Q: Is there stamp duty on a new home in Caboolture?
No. Queensland charges $0 stamp duty on new builds, with no price cap — the largest saving for Caboolture buyers.
Q: Can I get the $30,000 First Home Owner Grant in Caboolture?
Generally not for a like-for-like 4-bedroom home, because the grant requires a value under $750,000 and these packages price above that. The uncapped $0 stamp duty usually saves more.
Q: What’s the 5% Deposit Scheme price cap in Caboolture?
$1,000,000, because Caboolture sits within Greater Brisbane (Moreton Bay). New 4-bedroom packages price comfortably below this.
Q: Do permanent residents qualify in Caboolture?
Yes. Permanent residents are treated as equivalent to citizens for the 5% Scheme and the stamp duty exemption (Help to Buy is citizens-only).
Low Deposit Homes is not a lender or mortgage broker, and is free to buyers. All calculations are indicative and not financial advice. Eligibility is confirmed with a licensed broker.