Stamp duty is one of the biggest upfront costs of buying property in Australia — but many buyers pay far less than they expect, or nothing at all. Here is every exemption, concession and waiver available in 2026, state by state.
What Is a Stamp Duty Exemption?
A stamp duty exemption means you pay zero duty on a property transfer. A concession means you pay a reduced amount. Most exemptions apply to first home buyers, but there are also exemptions for pensioners, family transfers, deceased estates and more.
First Home Buyer Exemptions by State — 2026
| State | Exemption Threshold | Concession Up To | Saving (at threshold) |
|---|---|---|---|
| NSW | $800,000 | $1,000,000 | Up to $31,090 |
| VIC | $600,000 | $750,000 | Up to $31,070 |
| QLD | Concession only | $550,000 | Up to $15,925 |
| WA | $430,000 | $530,000 | Up to $17,765 |
| SA | ALL values | — | Full exemption |
| TAS | 50% concession | $600,000 | Up to $12,218 |
| ACT | Income-tested | Varies | Up to full duty |
| NT | No exemption | — | $10k grant instead |
Other Stamp Duty Exemptions in 2026
Pensioner / Seniors Concessions
Most states offer stamp duty concessions for eligible pensioners purchasing a new principal place of residence. In Victoria, eligible pensioners receive a concession of up to $10,000. In NSW, eligible pensioners can apply for an exemption on properties up to $279,000 or a partial concession up to $448,000. Contact your state revenue office for current thresholds.
Family Transfers
Transferring property between spouses, domestic partners or family members may be exempt from stamp duty in most states, particularly if the transfer is not for consideration (i.e. no money changes hands). Rules vary by state — always confirm with a solicitor or conveyancer.
Deceased Estates
Transferring property as part of a deceased estate to a beneficiary named in the will is generally exempt from stamp duty across all Australian states.
Domestic Violence Exemptions
Several states including NSW and Victoria offer stamp duty exemptions or concessions for people transferring property as part of domestic violence settlements. Legal aid organisations can advise on eligibility.
Calculate Your Stamp Duty
See exactly how much stamp duty you will pay — and whether you qualify for an exemption or concession in your state.
Related Calculators
Disclaimer: This article is for general informational purposes only and does not constitute financial advice. Always consult a licensed financial adviser before making financial decisions.