Stamp duty
Stamp duty calculator for every state and territory
Transfer duty, first home buyer concessions, foreign purchaser surcharges and land titles fees for all eight states and territories. Every rule shows its official source and the date we checked it; the current set was checked on 26 October 2026.
Estimated stamp duty
$27,937
- Transfer dutyGeneral transfer duty rates 2026/2027 (incl. premium residential rate)
- $27,937
- Mortgage registration fee
- $182.73
- Transfer registration fee
- $182.73
- Total government costs
- $28,302.46
A 60-minute consultation with Sulav Adhikari, by phone or video. We check these numbers against real lender policy.
Checked against Revenue NSW on (2026-27 rules)
- General transfer duty rates 2026/2027 (incl. premium residential rate): page, official calculator · checked
- NSW Land Registry Services: registration fees: PDF · checked
- First Home Owner (New Homes) Grant: page · checked
Assumptions
- The price you enter is treated as the dutiable value (the higher of the price and the market value).
- Every buyer is in the same residency group and buys the whole property. Mixed purchases (for example one foreign co-buyer) are worked out differently; use the revenue office calculator.
- Concessions and grants assume you meet all their conditions, including living in the home for the required time.
- Government fees are the land titles office registration fees for one transfer and one mortgage. Conveyancing, inspections and lender fees are not included.
- Your conveyancer or solicitor confirms the duty payable before settlement.
Estimates only, not a quote or credit approval. Important information about our calculators.
01Compare
Stamp duty on a $750,000 home in each state
Same price, same buyers: Australian citizens or permanent residents who will live in the home. Select a state for its rates, concessions and worked examples.
| State or territory | Home buyer | First home, established | First home, new | Foreign surcharge | First home grant (new homes) |
|---|---|---|---|---|---|
| New South Wales | $27,937 | $0 | $0 | 9% | $10,000 |
| Victoria | $40,070 | $40,070 | $40,070 | 8% | $10,000 |
| Queensland | $19,600 | $10,925 | $0 | 8% | $30,000 |
| Western Australia | $29,740.50 | $24,225 | $24,225 | 7% | $10,000 |
| South Australia | $35,080 | $35,080 | $0 | 7% | $15,000 |
| Australian Capital Territory | $19,208 | $0 | $0 | None | None |
| Tasmania | $28,935 | $28,935 | $28,935 | 8% | $20,000 |
| Northern Territory | $37,125 | $37,125 | $37,125 | None | $50,000 |
- Transfer duty only. Land titles fees and any foreign purchaser surcharge are extra.
- First home columns assume every condition of the concession is met. Grants have their own price caps and are paid separately.
- Rules checked against each revenue office on 26 October 2026.
02How it works
What goes into the number
Four things decide what you pay, and the calculator asks about each.
The dutiable value
The price, or the market value if that is higher. Most states round it up to the next $100 before applying their rates.Your home or an investment
Some places charge less when you will live in the property: Victoria (up to $550,000), Queensland, Western Australia (up to $200,000) and the Australian Capital Territory.First home buyer status
Most states cut or remove duty for first home buyers under a price threshold, often with different rules for new and established homes.Residency
6 states charge foreign persons a surcharge of 7% to 9% on top of duty. Temporary visa holders are foreign persons for these rules. Buying on a visa
03Questions
Stamp duty questions
What is stamp duty?
Stamp duty (called transfer duty in most states, and conveyance duty in the ACT) is a state or territory tax the buyer pays when a property changes hands. It is worked out on the dutiable value: the price, or the market value if that is higher.
Why is stamp duty so different between states?
Each state and territory sets its own rates, thresholds and concessions. Some remove duty for first home buyers up to a price, some only help with new homes, and Tasmania and the Northern Territory currently have no first home buyer duty concession. The table on this page compares them at the same price.
Do I pay stamp duty on a new home or off the plan?
Usually yes, but some states give first home buyers more help with new homes than established ones. At $750,000 a first home buyer pays less duty on a new home than an established one in Queensland and South Australia. Choose the property type in the calculator to see the difference.
Can a lender add stamp duty to my home loan?
Lenders generally expect duty and other buying costs to come from your own money. Borrowing more to cover them raises your loan-to-value ratio and can mean paying lenders mortgage insurance (LMI). We can tell you how the lenders on our panel treat it.
Is this calculator accurate?
It uses each revenue office's published rates and concessions, checked on the dates shown under every result, and is tested against the revenue offices' own calculators and worked examples. It is still an estimate: your conveyancer or solicitor confirms the duty payable.
Sources
Official pages, legislation and calculators behind every rate, concession, surcharge and fee. Each state page lists them in full.
- NSWCalculate transfer dutyLandsalesimple.phpFirst Home Buyers Assistance SchemeFhba.phpSurcharge for individualsSurchargeduty.php2026 2027 nsw lrs fees finalRevenue NSW, NSW Land Registry Services · Checked
- VICLand transfer duty non principal place residence current ratesDuties act 2000CalculateFirst home buyer duty exemption or concessionForeign purchaser additional duty current ratesConfirming your foreign purchaser statusForeign purchaser additional duty: exemptions and rulesTransfer land fees regulations 2016Notice under section 6 fixing value fee unit and penalty unit 5State Revenue Office Victoria, Victorian Government · Checked
- QLDRatesAct 2001 071Transfer duty estimatorFirst home concessionConcession ratesFirst home new homeFirst home vacant landAdditional foreign acquirer duty: assessingAdditional foreign acquirer duty: foreign personsExemptionTitles Registry Fees FY 2026 to 2027239 notification of revised fees effective 1 july 2026Queensland Revenue Office, Queensland Legislation, Titles Queensland · Checked
- WATransfer duty assessmentLaw a146657Duties fact sheet first home owner rateFinance legislation amendment housing affordability bill 2026Foreign transfer dutyAbout foreign buyers dutyLand transaction feesTransfer lodgement fee calculatorLaw s55896RevenueWA, WA Legislation, Landgate · Checked
- SARate of stamp dutyLzCalculate stamp dutyRelief availableEligible propertiesEligible applicantsFOSForeign personIndustry ad valorem fees 2026 27Document lodgement fees 2026 27Fees and charges 2026 27RevenueSA, SA Legislation, Land Services SA · Checked
- ACT2026 155Conveyance duty for non commercial propertyCalculate your conveyance duty1999 72026 157Claim the home buyer concession2026 158Off the plan unit duty exemptionForeign ownership surcharge for land tax2026 104ACT Legislation Register, ACT Revenue Office · Checked
- TASRates of dutyAct 2001 015CalculatorRates of surchargeForeign investor duty surcharge: definition of foreignForeign investor duty surcharge: exemptions2026 2027 Brief Fee ScheduleLand titles office feesState Revenue Office Tasmania, Tasmanian Legislation, Land Titles Office Tasmania · Checked
- NTStamp dutyStamp Duty Act 1978 (NT)Conveyance calculatorLand titles forms and feesNorthern Territory Government, NT Legislation · Checked
Work out your buying costs with Sulav
Duty, grants, LMI and lender fees for your situation, before you sign a contract.