Stamp duty calculator
Stamp duty is one of the biggest upfront costs when buying a home. This tool shows you what to expect in your state, and whether first home buyer concessions apply at your price.
Stamp duty calculator
See estimated duty in each state, with and without first home buyer concessions.
State or territory
Eligibility depends on your circumstances: Australian citizen or PR, never owned property in Australia, must live in the property. Check with your conveyancer.
Estimated stamp duty
Standard rate on a $750,000 property in NSW.
Estimates only, based on simplified 2025/26 published schedules from each state revenue office. This calculator assumes the purchase of an established residential dwelling. Different rates may apply for vacant land, new builds, commercial property, and foreign purchasers. First home buyer concessions are general guides and may not cover all eligibility criteria, property types, or contract conditions. Confirm your figures with your conveyancer or broker before making any financial decisions. This is not financial advice.
What this calculator covers
All 8 states and territories
NSW, VIC, QLD, SA, WA, TAS, ACT, and NT. Each uses its own published rate schedule.
First home buyer concessions
Exemptions and discounts where they exist. Some states offer full exemptions below a threshold, others scale the concession.
Effective rate
See what percentage of the purchase price goes to stamp duty. Useful for comparing across price points.
2025/26 schedules
Rates based on published schedules from each state revenue office. Updated when thresholds change.
What is stamp duty?
Stamp duty (also called transfer duty) is a state government tax you pay when you buy property. It is calculated as a percentage of the purchase price, and the rate increases as the price goes up. Each state and territory sets its own rates and thresholds.
When you pay stamp duty depends on your state. In most states, your conveyancer arranges payment at or before settlement. In NSW, duty is technically due within 3 months of contract exchange. Your conveyancer handles the timing. It is separate from your deposit and loan, so you need to budget for it on top of the purchase price.
For a $750,000 property, stamp duty ranges from roughly $10,000 to $30,000 depending on the state. It is worth checking early so you know what to set aside.
First home buyer concessions
Most states offer stamp duty concessions for first home buyers. These range from full exemptions (you pay nothing) to sliding scale discounts. The rules vary by state.
NSW: No duty up to $800,000. Partial concession up to $1,000,000.
VIC: No duty up to $600,000. Partial concession up to $750,000.
QLD: No duty up to $550,000. Sliding concession up to $700,000.
WA: No duty up to $430,000. Partial concession up to $530,000.
TAS: 50% discount on duty for properties up to $750,000.
ACT: No duty up to $1,000,000. The ACT concession has income thresholds ($160,000 for singles, $227,000 for couples) and a 12-month residency requirement.
NT: Up to $23,928 off the standard duty amount.
SA: SA has no stamp duty concession for first home buyers purchasing existing homes. There is a concession for new builds up to $650,000. A separate First Home Owner Grant may also apply for new builds.
Eligibility depends on your circumstances. Most concessions require the property to be your principal place of residence. Check with your conveyancer or your state revenue office for full details.
Disclaimer
This calculator provides estimates only and is not financial advice. Figures are based on simplified 2025/26 stamp duty schedules published by each state revenue office. Actual duty depends on property type, contract date, and individual eligibility criteria. This calculator assumes the purchase of an established residential dwelling. Different rates may apply for vacant land, new builds, commercial property, and foreign purchasers.
First home buyer concessions are general guides. Eligibility rules, caps, and property type restrictions vary by state and may change. Always confirm your stamp duty amount with your conveyancer, solicitor, or a licensed mortgage broker before making financial decisions.
housematch.com.au is not a financial advisor or credit provider. See our terms.
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