Stamp duty calculator
Calculate transfer duty across all 8 Australian states, with first home buyer concessions for NSW and QLD.
Stamp duty (transfer duty) is one of the biggest one-off costs on a property purchase. The estimate below pulls from the current state rate schedules — last verified 28 March 2026. Tweak the inputs to see how a NSW $799,000 first-home purchase compares to $801,000 (spoiler: the threshold matters).
Stamp duty calculator
Estimate transfer duty across all Australian states.
NSW 2026-27 transfer duty rates.
NSW vs QLD
$8,337 less than NSW, using the same answers above. Concession rules differ between the states, so check your eligibility in each.
Estimates only. Not a quote or credit approval.
Banks calculate this differently. Want me to give you a real-world estimate from my 30+ lenders?
Book a 15-min callBuying your first home? The concessions depend on which side of the border the property is on, and I can check your eligibility before you sign. Here’s how I help first home buyers.
Stamp duty questions
Does NSW have a first home buyer stamp duty exemption?
Yes. The NSW First Home Buyer Assistance Scheme exempts duty on existing or new homes up to $800,000, with a sliding-scale concession between $800,001 and $1,000,000. Vacant land is exempt up to $350,000 with a partial concession to $450,000. Eligibility rules apply — give me a call to confirm whether you qualify.
What about QLD first home buyers?
From 1 May 2025, QLD first home buyers pay no transfer duty on a new home or on vacant land to build on, at any price. For an existing home, the First Home Concession is taken off the home concession rate: no duty up to $700,000, then a reduced amount up to $800,000. From 1 August 2026 the concessions are for Australian citizens and permanent residents.
What does this calculator include?
It calculates the base transfer duty for all eight Australian states and applies the relevant first home buyer concession when you tick the box. It does not include the mortgage registration fee or transfer fee, which together add another $200–$400 in NSW and QLD.
Why is my real stamp duty different from this estimate?
Calculators use the published rate schedule, but state revenue offices have edge cases — off-the-plan concessions, foreign-buyer surcharges, beneficial ownership rules, and pension exemptions among them. Always confirm the exact figure with your conveyancer before settlement.
Is stamp duty paid upfront?
Yes — stamp duty is paid at or just after settlement, not over the life of the loan. Some buyers borrow it on top of the deposit, which is something I can structure with the right lender. Just be aware it pushes your LVR up.
Do investors pay more stamp duty than owner-occupiers?
In most states the headline rate is the same, but owner-occupier concessions (like QLD’s Home Concession and ACT/NT discounts) don’t apply to investors. NSW and QLD also apply a surcharge for foreign buyers and certain trust structures.
Stephanie Newman Australian Credit Representative number 388799 and Coastal Home Lending Pty Ltd Australian Corporate Credit Representative number 578712 are licenced Credit Representatives of Australian Finance Group Ltd Licence number 389087. ACN 066385822. This is general information only. Please seek personal financial advice tailored to your circumstances.
Calculator results are estimates only and are not a quote, offer, or recommendation. Confirm the exact duty with your conveyancer or your state revenue office.