When do I pay stamp duty?

Stamp duty is due at settlement, typically within 30 days of the contract date. Your conveyancer or solicitor usually handles the payment on your behalf.

Can I add stamp duty to my mortgage?

Some lenders allow you to capitalise stamp duty into your loan, but this increases your loan amount and the interest you pay over time.

How much is stamp duty on a $600,000 property?

It varies by state. In NSW, expect around $22,000–$24,000. In VIC, around $31,000. First home buyers may pay significantly less or nothing at all.

Do first home buyers pay stamp duty?

It depends on the state and property price. Most states offer full exemptions for properties below certain thresholds (e.g., $650,000 in NSW) and partial concessions for higher values.

Stamp Duty Calculator Australia

Calculate stamp duty costs for property purchases by state

Enter your property value and state to estimate stamp duty costs. First home buyers may be eligible for concessions or exemptions depending on the property value and state.

Property Details

Enter your property purchase details

Property Value ($)

State or Territory

Property Type

First home buyer (may qualify for concessions)

Stamp Duty Calculation

Your estimated stamp duty costs

Stamp Duty

$25,540

Transfer Fee

$60

Total Stamp Duty Cost

$25,600

Effective rate: 4.27%

Stamp Duty by State

Compare stamp duty and transfer fees across all Australian states and territories

How to Use This Calculator

1Enter the property purchase price
2Select your state or territory
3Choose the property type (home or investment)
4Tick if you're a first home buyer to see any applicable concessions
5See the estimated stamp duty and total upfront costs

What Is Stamp Duty?

Stamp duty (also called transfer duty) is a state tax paid when you buy property in Australia. It's a one-off cost due at settlement, usually within 30 days of the purchase.

The amount varies by state and is calculated based on the property's purchase price or market value — whichever is higher. Rates are tiered, so higher-value properties attract higher percentages.

What Affects Stamp Duty Costs?

Property value: Higher values attract more stamp duty. Rates increase in tiers as the price rises.
State or territory: Each state sets its own rates and thresholds. NSW, VIC and QLD have different scales.
Property type: Owner-occupied homes may attract lower rates than investment properties in some states.
First home buyer status: Most states offer concessions or exemptions for first home buyers up to certain price thresholds.

How to Reduce Stamp Duty Costs

•Check first home buyer concessions — you could save thousands or pay nothing at all
•In NSW, first home buyers can choose between stamp duty or annual land tax on properties under $1.5M
•Buy below state thresholds to qualify for maximum concessions
•Factor stamp duty into your budget early — it's due at settlement

Frequently Asked Questions

Official Sources

Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.

Rates and thresholds last updated for the 2024–25 financial year.

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