Stamp Duty Calculator Australia 2026
Calculate stamp duty (transfer duty) for all Australian states and territories. Includes first home buyer concessions, investor rates, and full upfront cost estimates.
🏠 Stamp Duty Estimate
What is Stamp Duty?
Stamp duty (officially called transfer duty in most states) is a tax levied by state and territory governments when property changes ownership in Australia. It is one of the largest upfront costs of buying a home and must be paid within a set timeframe after settlement — typically 30 days.
The amount you pay depends on the property’s purchase price, which state or territory it’s in, and whether you’re a first home buyer, owner-occupier, or investor.
Stamp Duty by State — 2026 Guide
First Home Buyer Stamp Duty Concessions
Every state and territory (except South Australia) offers some form of stamp duty relief for first home buyers. The most generous concessions are in NSW (exempt up to $800,000), Victoria (exempt up to $600,000), and Queensland (exempt up to $500,000). Use the calculator above to see exactly what applies to your situation.
Frequently Asked Questions
Stamp duty uses a sliding scale based on the property purchase price. Each state has its own rates. On a $600,000 property, duty ranges from $0 for eligible first home buyers to $25,000+ for investors. Select your state above for an exact figure.
The buyer pays stamp duty, not the seller. It is due at settlement — typically 30-90 days after exchange. It must be paid from savings as it cannot be added to your mortgage.
Most states offer concessions or exemptions for first home buyers. NSW exempts homes up to $800,000 for first home buyers. VIC offers a 50% concession up to $600,000. Select your state in the calculator above for your specific concession.