Stamp Duty Calculator
See roughly what you'd pay in stamp duty on a property purchase, wherever in Australia you're buying, including first home buyer concessions where they apply.
Your details
Estimated transfer duty payable
$25,687
Standard duty
$25,687
Concession savings
$0
Foreign surcharge
$0
Estimates based on rates and thresholds as of August 2026. Most states index brackets or change concessions periodically, and this calculator doesn't account for every scheme (shared equity, pensioner concessions, off-the-plan variations) or local council/mortgage registration fees on top of duty. This tool gives an estimate only, is not financial or legal advice, and doesn't replace a conveyancer's or state revenue office's figure for your specific purchase.
How to use this calculator
- 1. Each state and territory sets its own duty rates, so start with where you're buying and how much the property is worth.
- 2. Whether it'll be your main home or an investment, and whether you're a first home buyer, since both change what you owe.
- 3. The calculator applies your state's standard rates plus any first home buyer concession or exemption you qualify for.
FAQ
Why does the duty amount vary so much between states?
Because stamp duty is a state and territory tax, not a federal one. Each jurisdiction sets its own rate brackets, thresholds and first home buyer schemes independently, which is why the same property price can attract very different duty depending on where it is.
Do first home buyer concessions apply to any property?
It depends on the state. Some, like NSW and VIC, apply the concession to both new and established homes. Others, like SA, restrict full exemptions to new homes, off-the-plan purchases or house-and-land packages, established homes miss out entirely. Select your property type to see what applies.
Is this the only cost on top of the property price?
No. Stamp duty is usually the biggest extra cost, but conveyancing or legal fees, mortgage registration fees, building and pest inspections, and loan establishment fees all add up too. Budget for more than just the duty amount.
Why is there a foreign buyer option?
Most states charge an additional surcharge purchaser duty on top of standard rates for foreign persons and foreign-owned companies, and generally exclude them from first home buyer concessions. If that applies to you, toggle it on to include the surcharge.
Related reading
First Home Super Saver Scheme: The Full Guide
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Stamp Duty Australia: The Complete State-by-State Guide
How stamp duty (transfer duty) works across every Australian state and territory: rates, first home buyer exemptions, a worked example, and upfront cost tips.
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Disclaimer
This calculator estimates stamp duty (transfer duty) using rates and concession thresholds current as of August 2026, sourced from each state and territory revenue office. Some figures, particularly first home buyer concession tapers and the Northern Territory's first home owner discount, are modeled approximations of the official phase-out rather than published formulas. Rates, thresholds and concessions change periodically and vary further for pensioner concessions, shared equity schemes, off-the-plan purchases and vacant land. This tool provides estimates only, is not financial or legal advice, and doesn't replace a figure from your conveyancer or the relevant state revenue office.