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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.
Stamp Duty Payable
$21,187
Effective rate: 3.53% of the property value
Land title registration fees are extra. Each state's land registry charges a flat transfer registration fee (broadly $150–$400, re-set annually) on top of duty. We don't estimate it here because it isn't a percentage of the price — check your land registry's current fee schedule.
Rates checked against Revenue NSW — transfer duty rates on 11 August 2026.
Duty is assessed on the rules in force when liability arises, which for an ordinary purchase is your contract date rather than settlement. Owner-occupier scales assume you meet the residence conditions your state attaches to them — typically moving in within 12 months and living there for a year. This is an estimate: confirm the figure with your conveyancer or your state revenue office before you rely on it.
This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.
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.
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.
Some lenders allow you to capitalise stamp duty into your loan, but this increases your loan amount and the interest you pay over time.
It varies by state, and by whether you'll live in it. On an investment purchase at $600,000: NSW $21,187, VIC $31,070, QLD $20,025, WA $22,515, SA $26,830, TAS $22,498, NT $29,700, ACT $15,720. An owner-occupier pays less in QLD ($12,850), the ACT ($12,728) and Victoria below $550,000. First home buyers pay nothing at all in several states.
It depends on the state and the price. NSW exempts new and existing homes up to $800,000 and tapers to $1 million. Victoria exempts up to $600,000 and tapers to $750,000. WA charges nothing up to $600,000. Queensland deducts up to $17,350. The ACT charges eligible buyers no duty at all from 1 July 2026. Tasmania's exemption expired on 30 June 2026 and South Australia's relief covers new homes only.
Every state assesses duty on the rules in force when liability arises, which for an ordinary purchase is the date you sign the contract, not settlement. If you signed before a rate or concession changed, the older rules apply. These figures reflect the scales published as at 11 August 2026.
Estimates only. Not financial or tax advice. Full disclaimer for your rights and our limitations of liability.
This calculator exists to show you the arithmetic. It applies published Australian rates, thresholds and formulas to the numbers you enter and shows the working, so you can check it. That is all it does — it produces a number and describes what the number is. It does not recommend anything and it holds no opinion about any financial product.
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This calculator is not intended to be relied on for the purposes of making a decision in relation to a financial product. Before you make a financial decision, consider obtaining advice from someone who holds an Australian Financial Services Licence. We do not, and we cannot advise you.