FLISP Subsidy Table – How Much Could You Qualify For?

Dreaming of owning your first home in South Africa but worried about the costs? The FLISP subsidy table is your roadmap to understanding exactly how much financial support the government can provide. FLISP, or First Home Finance, offers a once-off, non-repayable subsidy to first-time homebuyers, helping you reduce your mortgage or cover your deposit. 

In this article, we explain the FLISP subsidy table, show income brackets and estimated subsidy amounts, outline eligibility criteria, and guide you on how to use the table to plan your home purchase confidently. By the end, you’ll know exactly how to leverage this subsidy to make homeownership more affordable.

FLISP Subsidy Table (Current Estimates)

The table below shows approximate subsidy amounts for different monthly household income brackets. Lower-income households receive a higher subsidy, while higher-income households receive smaller amounts.

Serial#	Lower Income (R)	Higher Income (R)	Subsidy Amount (R)
1	3 501	3 701	169 265
2	3 701	3 901	167 816
3	3 901	4 101	166 367
4	4 101	4 301	164 918
5	4 301	4 501	163 470
6	4 501	4 701	162 021
7	4 701	4 901	160 572
8	4 901	5 101	159 123
9	5 101	5 301	157 675
10	5 301	5 501	156 226
11	5 501	5 701	154 777
12	5 701	5 901	153 328
13	5 901	6 101	151 880
14	6 101	6 301	150 431
15	6 301	6 501	148 982
16	6 501	6 701	147 534
17	6 701	6 901	146 085
18	6 901	7 101	144 636
19	7 101	7 301	143 187
20	7 301	7 501	141 739
21	7 501	7 701	140 290
22	7 701	7 901	138 841
23	7 901	8 101	137 392
24	8 101	8 301	135 944
25	8 301	8 501	134 495
26	8 501	8 701	133 046
27	8 701	8 901	131 597
28	8 901	9 101	130 149
29	9 101	9 301	128 700
30	9 301	9 501	127 251
31	9 501	9 701	125 803
32	9 701	9 901	124 354
33	9 901	10 101	122 905
34	10 101	10 301	121 456
35	10 301	10 501	120 008
36	10 501	10 701	118 559
37	10 701	10 901	117 110
38	10 901	11 101	115 661
39	11 101	11 301	114 213
40	11 301	11 501	112 764
41	11 501	11 701	111 315
42	11 701	11 901	109 866
43	11 901	12 101	108 418
44	12 101	12 301	106 969
45	12 301	12 501	105 520
46	12 501	12 701	104 071
47	12 701	12 901	102 623
48	12 901	13 101	101 174
49	13 101	13 301	99 725
50	13 301	13 501	98 277
51	13 501	13 701	96 828
52	13 701	13 901	95 379
53	13 901	14 101	93 930
54	14 101	14 301	92 482
55	14 301	14 501	91 033
56	14 501	14 701	89 584
57	14 701	14 901	88 135
58	14 901	15 101	86 687
59	15 101	15 201	85 238
60	15 201	15 401	83 789
61	15 401	15 601	82 340
62	15 601	15 801	80 892
63	15 801	16 001	79 443
64	16 001	16 201	77 994
65	16 201	16 401	76 545
66	16 401	16 601	75 097
67	16 601	16 801	73 648
68	16 801	17 001	72 199
69	17 001	17 201	70 751
70	17 201	17 401	69 302
71	17 401	17 601	67 853
72	17 601	17 801	66 404
73	17 801	18 001	64 956
74	18 001	18 201	63 507
75	18 201	18 401	62 058
76	18 401	19 001	60 609
77	19 001	19 201	59 161
78	19 201	19 401	57 712
79	19 401	19 601	56 263
80	19 601	19 801	54 814
81	19 801	20 001	53 366
82	20 001	20 201	51 917
83	20 201	20 401	50 468
84	20 401	20 601	49 020
85	20 601	20 801	47 571
86	20 801	21 001	46 122
87	21 001	21 201	44 673
88	21 201	21 401	43 225
89	21 401	21 601	41 776
90	21 601	21 801	40 327
91	21 801	22 001	38 911

Note: These amounts are estimates based on the official FLISP subsidy quantum scale. The exact subsidy depends on your gross household income and is finalized by the NHFC or the processing bank. 

How to Read the FLISP Subsidy Table

• Lower income = higher subsidy: Households earning close to R3,501 per month qualify for the maximum subsidy (~R169,265).
• Higher income = smaller subsidy: Subsidy decreases incrementally as household income approaches R22,000 per month.
• Subsidy purpose: Paid directly to the bank or conveyancer to reduce the mortgage amount, cover the deposit, or legal/transfer costs.

You can also reference how long FLISP takes to pay out to plan your application timeline effectively.

Eligibility Criteria

To qualify for FLISP:

1. Be a first-time homebuyer
2. Household income must be between R3,501 and R22,000 per month
3. Never have received a government housing subsidy
4. Be a South African citizen or permanent resident
5. Married, cohabiting, or single with financial dependents
6. Have approved home loan financing from a bank or lender)

See our full guide on how to apply for FLISP for details, and use the FLISP calculator to estimate your subsidy before applying.

FAQs

The FLISP subsidy table is a vital resource for first-time homebuyers in South Africa. By understanding your income bracket and the subsidy you qualify for, you can plan your home purchase effectively, reduce mortgage payments, and access affordable housing. Always confirm the current subsidy with your provincial Human Settlements office or participating lender before applying.