Australian Stamp Duty Calculator 2026
Calculate stamp duty (transfer duty) on your property purchase across all Australian states and territories. Includes first home buyer concessions and conveyancing fee estimates.
Toggle to see stamp duty concessions
Cost Breakdown
Range: $1,100 – $3,300
Range: $22,835 – $25,035
Estimates only. Actual costs may vary. Consult a licensed conveyancer or settlement agent for accurate quotes.
Stamp Duty Rates by State
| State | Calculation Method | Top Rate | FHB Concession |
|---|---|---|---|
| NSW | Progressive brackets | 7.0% | Exempt up to $800K |
| VIC | Progressive brackets | 6.5% | Exempt up to $600K |
| QLD | Progressive brackets | 5.75% | Concession up to $700K |
| WA | Progressive brackets | 5.15% | Exempt up to $430K |
| SA | Progressive brackets | 5.5% | None |
| TAS | Progressive brackets | 4.5% | 50% discount up to $600K |
| ACT | Marginal rate per $100 | 4.54% | Exempt up to $1M |
| NT | Formula (under $525K) | 5.95% | Discount (check NT Treasury) |
Frequently Asked Questions
What is stamp duty?
Stamp duty (also called transfer duty) is a state government tax charged when you purchase property. The amount varies by state, property value, and whether you are a first home buyer.
How is stamp duty calculated?
Most states use progressive brackets similar to income tax — you pay a higher rate on the portion of the price that falls into higher brackets. The ACT uses a marginal rate system, and the NT uses a formula for properties under $525,000.
Do first home buyers pay stamp duty?
It depends on the state and property price. NSW offers full exemption up to $800,000. VIC exempts up to $600,000. ACT exempts up to $1,000,000. SA has no stamp duty concession for first home buyers. Check the calculator above for your specific situation.
When do you pay stamp duty?
Stamp duty is typically due at settlement or within 30 days of signing the contract (varies by state). Your conveyancer or settlement agent will handle the payment as part of the settlement process.
Can I add stamp duty to my home loan?
Some lenders allow you to capitalise stamp duty into your mortgage, but this increases your loan amount and total interest paid. Check with your mortgage broker or lender.
Are stamp duty rates the same in every state?
No. Each state and territory sets its own rates, brackets, and concessions. NSW, VIC, QLD, WA, SA, and TAS use progressive brackets. ACT uses a marginal rate per $100. NT uses a formula for properties under $525,000.