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Research Report · 2025–2026

Granny Flat Policy Deep Dive

Planning Reforms & Market Access Across Australia — the most significant regulatory transformation in decades.

1.2M

Target New Homes

7

States Analyzed

2025

Latest Reforms

NSWVICQLDWASATASACTNT
National Context

From Social Support to Market Liberalization

Affordability Crisis

The core conflict: collapsed affordability alongside record-low rental vacancy rates across the nation.

Rental Liberalization

Most states abolished outdated rules limiting occupancy to relatives. QLD pioneered in 2022, followed by VIC and WA in 2024.

National Housing Accord

Billions in funding to improve planning capabilities and enabling infrastructure — water, power, and streamlined approvals.

Removing Lot Size MinimumsStreamlined ApprovalsIncreased Floor AreasOpen Market RentalBuilding Permit Pathway
Policy Comparison Matrix

Key Policy Metrics (2025–2026)

A comprehensive side-by-side comparison of granny flat regulations across all Australian states and territories.

State / TerritoryPolicy FrameworkMax. Internal AreaRental RestrictionsApproval Pathway
NSWHousing SEPP 202160 m² No restrictionsCDC (~20 days) or DA
VICAmendment VC253/VC26660 m² No restrictionsBuilding Permit only
QLDPlanning Reg 2022Varies by Council No restrictionsLocal Council
WAR-Codes Vol 1 (2024)70 m² No restrictionsExempt (if compliant)
SAPlan & Design Code70 m² No restrictionsDev. Approval
TASState Planning Prov.60→90 m² (2026) No restrictionsPlanning & Building
ACT/NTTerritory Codes50–90 m² No restrictionsDev. Application
State-by-State Analysis

Deep Dive: Each State's Framework

Detailed breakdown of policies, approval pathways, and unique features across all Australian states and territories.

NSW

New South Wales

Framework

Housing SEPP 2021

Max Area

60 m²

CDC Speed

~20 Days

NSW remains a leader in granny flat development under the Housing SEPP. Developers typically seek a Complying Development Certificate (CDC), a fast-track process taking roughly 20 days.

Lots must be at least 450 m² with strict setbacks for CDC. Otherwise, a traditional Development Application (DA) is required (e.g., heritage zones or smaller lots).

The strict 60 m² internal area limit applies, but non-habitable additions such as patios, decks, and carports generally do not count — allowing creative spatial expansion.

VIC

Victoria

Framework

SSD (VC253/266)

Energy Rating

7-Star NCC

Min Lot

300 m²

Victoria's reforms abolished the "Dependent Person's Unit" in favor of the Small Second Dwelling (SSD) — a permanent structure rentable to anyone.

On lots greater than 300 m² in most residential zones, only a Building Permit is required (no Planning Permit).

New SSDs must achieve a 7-star energy rating and incorporate accessibility features. A notable requirement: ban on reticulated natural gas connections for all new SSDs.

WA

Western Australia

Framework

R-Codes Vol 1

Max Area

70 m²

Approval

~10 Days

WA's 2024 R-Codes update represents the most aggressive deregulation in the country, removing the previous 350 m² minimum lot size requirement entirely.

Granny flats can now be built on almost any residential lot, including strata and grouped dwelling sites.

Compliant designs up to 70 m² meeting "deemed-to-comply" standards are exempt from planning approval. Building permits are often issued within 10 business days.

QLD

Queensland

Framework

Planning Reg 2022

Pioneer

Since 2022

Brisbane Max

80 m²

Queensland pioneered the rental liberalization shift in 2022, permanently removing restrictions statewide.

Technical specifications vary significantly between councils. Brisbane City Council allows up to 80 m² and two bedrooms, whereas Moreton Bay limits GFA to 45–55 m² depending on the lot.

SA

South Australia

Framework

Plan & Design Code

Max Area

70 m²

Key Change

Self-Contained

South Australia recently increased the maximum floor area from 60 m² to 70 m² to improve amenity and allow for "aging in place".

Rules now explicitly allow for fully self-contained facilities (kitchens and laundries) without sharing with the main house.

T/A/N

Tasmania & Territories

TAS Current

60 m²

TAS by 2026

90 m²

ACT Max

90 m²

Tasmania: Currently capped at 60 m² and required to share services. The government has committed to increasing this to 90 m² by 2026 to reflect larger rural block sizes.

ACT: Allows the largest units in Australia — up to 90 m² on blocks of at least 500 m².

Northern Territory: Limits urban units to 50 m² but allows 80 m² in rural areas.

Financial & Legal Considerations

Technical & Financial Deep Dive

Utility Metering & Tenancy

For commercial rentals, separate metering is essential. NSW tenancy laws require units to be separately metered if tenants are to be charged for water and electricity.

Sub-Metering

~$2,500

Lower cost option

Separate Network

~$8,000

Best legal standing

$

Taxation & CGT Implications

Family Arrangements

Since July 2021, a CGT exemption applies to formal written agreements giving elderly or disabled individuals lifetime occupancy. Must be non-commercial.

Commercial Rentals — Caution

Renting to a stranger triggers a partial loss of the Main Residence Exemption. The ATO will require apportionment based on area and rental duration.

Conclusion

The 2025–2026 period marks the maturity of the "Granny Flat Revolution" in Australia. With planning authorities in NSW, VIC, and WA leading the way in streamlining approvals, the focus has shifted from permission to commercial optimization.

Success in this market now depends on navigating technical hurdles such as separate utility metering, BASIX/energy compliance, and understanding the long-term tax implications of transitioning from family-based support to open-market rental income.

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This report is provided for informational purposes only and does not constitute legal or financial advice.
Data sourced from state government planning portals and the National Housing Accord · Last updated February 2025