Australian Stamp Duty Calculator 2026
Calculate stamp duty (transfer duty) on your property purchase across all Australian states and territories. Includes first home buyer concessions and conveyancing fee estimates.
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Cost Breakdown
Range: $1,100 – $3,300
Range: $22,512 – $24,712
Estimates only. Actual costs may vary. Consult a licensed conveyancer or settlement agent for accurate quotes.
Stamp Duty Rates by State
| State | Calculation Method | Top Rate | FHB Concession |
|---|---|---|---|
| NSW | Progressive brackets | 7.0% | Exempt up to $800K (established) — new builds full exemption, no cap |
| VIC | Progressive brackets | 6.5% | Exempt up to $600K |
| QLD | Progressive brackets | 5.75% | Established: full exemption to $700K, sliding to $800K. New home: no duty, no cap |
| WA | Progressive brackets | 5.15% | Exempt up to $500K, concession to $700K (metro) / $750K (regional) |
| SA | Progressive brackets | 5.5% | New home: full exemption, no cap. Established: no concession |
| TAS | Progressive brackets | 4.5% | Full exemption up to $750K (until 30 June 2026) |
| ACT | Marginal rate per $100 | 4.54% | Exempt up to $1.02M (HBCS, income-tested) |
| NT | Formula (under $525K) | 5.95% | No FHB duty concession. $50K HomeGrown Territory Grant for new homes |
Calculate by State
Each state has different stamp duty rates, brackets, and first home buyer concessions. Select your state for a detailed calculator with current rates and concession information.
Frequently Asked Questions
What is stamp duty?
Stamp duty (also called transfer duty) is a state government tax charged when you purchase property. The amount varies by state, property value, and whether you are a first home buyer.
How is stamp duty calculated?
Most states use progressive brackets similar to income tax — you pay a higher rate on the portion of the price that falls into higher brackets. The ACT uses a marginal rate system, and the NT uses a formula for properties under $525,000.
Do first home buyers pay stamp duty?
It depends on the state and property price. NSW offers full exemption up to $800,000 (and full abolition for new builds with no cap). VIC exempts up to $600,000. ACT exempts up to $1,020,000 under the income-tested HBCS. SA offers full exemption on new homes only (no cap). QLD exempts established homes up to $700,000 and new homes with no cap. Check the calculator above for your specific situation.
When do you pay stamp duty?
Stamp duty payment deadlines vary by state — for example, NSW allows up to 3 months from contract exchange, while other states typically require payment within 30 days or at settlement. Your conveyancer or settlement agent will handle the payment as part of the settlement process.
Can I add stamp duty to my home loan?
Some lenders allow you to capitalise stamp duty into your mortgage, but this increases your loan amount and total interest paid. Check with your mortgage broker or lender.
Are stamp duty rates the same in every state?
No. Each state and territory sets its own rates, brackets, and concessions. NSW, VIC, QLD, WA, SA, and TAS use progressive brackets. ACT uses a marginal rate per $100. NT uses a formula for properties under $525,000.