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
Stamp Duty
Transfer Duty
Mortgage Registration
Transfer Fee
Est. Total Upfront Costs
First Home Buyer Concession Applied
Bracket
Rate
Duty
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
🏙️ NSW
Top rate: 7%. FHB exempt up to $800k.
🏙️ VIC
Top rate: 6.5%. FHB exempt up to $600k.
☀️ QLD
Top rate: 5.75%. FHB exempt up to $500k.
🌅 WA
Top rate: 5.15%. FHB exempt up to $430k.
🍷 SA
Top rate: 5.5%. No FHB concession.
🍎 TAS
Top rate: 4.5%. FHB 50% concession.
🏛️ ACT
Top rate: 6.4%. FHB concession scheme.
🌴 NT
Graduated rate. FHB exempt up to $500k.
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.
Disclaimer: Stamp duty rates are updated regularly and may change with state budgets. The figures above are estimates for general guidance only. Always verify with your state revenue office, solicitor, or conveyancer before settlement. FinSight is not a licensed financial or legal adviser.