Australian Stamp Duty Calculator
Calculate stamp duty (transfer duty) for all Australian states and territories including first home buyer exemptions and concessions. AUD.
$
Stamp Duty
A$25,258
New South Wales · 3.16% of purchase price
Standard Duty
A$25,258
Net Stamp Duty
A$25,258
Purchase Price
A$800,000
Total Cost
A$825,258
How to Use the Stamp Duty Calculator
Select your State or Territory, enter the Property Price, and indicate whether you are a first home buyer and whether the property is new. The calculator applies the correct progressive stamp duty brackets for your state and any first home buyer concessions or exemptions you may be entitled to.
Stamp Duty Rates by State
NSW — Transfer Duty
Up to $15K: 1.25% | $15K–$32K: $187.50 + 1.5%
$32K–$150K: $442.50 + 1.75% | $150K–$1M: $2,507.50 + 3.5%
$1M–$3M: $32,257.50 + 4.5% | Over $3M: 5.5%
FHB Exemption: Full under $800K; concession $800K–$1M
$32K–$150K: $442.50 + 1.75% | $150K–$1M: $2,507.50 + 3.5%
$1M–$3M: $32,257.50 + 4.5% | Over $3M: 5.5%
FHB Exemption: Full under $800K; concession $800K–$1M
VIC — Stamp Duty
Up to $25K: 1.4% | $25K–$130K: $350 + 2.4%
$130K–$960K: $2,870 + 5% | Over $960K: 5.5% flat
FHB Exemption: Full under $600K; concession $600K–$750K
$130K–$960K: $2,870 + 5% | Over $960K: 5.5% flat
FHB Exemption: Full under $600K; concession $600K–$750K
QLD — Transfer Duty
$0–$5K: Nil | $5K–$75K: 1.5% | $75K–$540K: $1,050 + 2.5%
$540K–$1M: $12,675 + 3% | Over $1M: $26,475 + 3.5%
FHB Concession: Full under $550K (existing) / $650K (new)
$540K–$1M: $12,675 + 3% | Over $1M: $26,475 + 3.5%
FHB Concession: Full under $550K (existing) / $650K (new)
Example: Buying in Melbourne, Victoria
First Home Buyer — $650,000 Established House
| Purchase Price | $650,000 |
| Standard VIC Stamp Duty | $32,370 |
| FHB Concession (partial) | -$12,948 |
| Net Stamp Duty | $19,422 |
| Effective Rate | 2.99% |
If the same buyer purchased a new property at $650,000 (just under the $600K full exemption threshold), they would pay $0 in stamp duty — saving $32,370. Careful timing of a purchase just below key thresholds can generate significant savings.
Frequently Asked Questions
Stamp duty is typically due on settlement day (when ownership transfers). In NSW, it must be paid within 3 months of exchange. In VIC, it's due at settlement. Some states allow payment to be deferred (e.g., SA allows up to 12 months for first home buyers on off-the-plan purchases). It cannot be added to your home loan.
Yes — many states offer full stamp duty exemptions for first home buyers under certain price thresholds. NSW exempts under $800K, VIC under $600K (new homes), QLD under $550K. Some states offer partial concessions above these thresholds. Always verify current thresholds with your state revenue office as these change periodically.
The standard stamp duty rates apply to investment properties. First home buyer concessions and exemptions are only available for owner-occupied properties that will be your principal residence. Some states charge higher rates for foreign investors.