Stamp duty · Australian Capital Territory
ACT stamp duty calculator
The Australian Capital Territory charges $19,208 transfer duty on a $750,000 established home, or $0 for a first home buyer. Estimate yours below, with ACT Revenue Office's rules as checked on 26 October 2026.
Estimated stamp duty
$19,208
- Transfer dutyConveyance duty — eligible owner-occupier (Table 1)
- $19,208
- Mortgage registration fee
- $184
- Transfer registration fee
- $496
- Total government costs
- $19,888
- Pensioner duty concession: Nil duty (no value cap from 1 July 2026) when at least one buyer receives an eligible pension or holds a DVA Gold Card and sells their former home within 1 year. Once only.
- Disability duty concession: Nil duty on the principal place of residence of an NDIS participant with an individualised funding package (threshold removed 1 July 2026).
- First Home Owner Grant: The ACT First Home Owner Grant ended on 1 July 2019. There is no ACT home buyer grant.
A 60-minute consultation with Sulav Adhikari, by phone or video. We check these numbers against real lender policy.
Checked against ACT Revenue Office on (2026-27 rules)
- Conveyance duty — eligible owner-occupier (Table 1): legislation, page, official calculator · checked
- Conveyance duty, residential — not an eligible owner-occupier (Table 2): legislation · checked
- Access Canberra (Land Titles): registration fees: legislation · checked
- Pensioner duty concession: legislation · checked
- Disability duty concession: legislation · checked
- First Home Owner 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.
ACT in brief
What makes the ACT different
$19,208 on a $750,000 home
That is 2.6% of the price for a home buyer who is not buying their first home, or $22,200 for an investor. The top rate is 4.54% of the whole value from $1,455,001.First home buyers: $0 at $750,000
Home Buyer Concession Scheme: No duty, at any price.Lower rates if you live in it
Conveyance duty — eligible owner-occupier (Table 1). All buyers are individuals buying in their own right.No foreign buyer surcharge
The Australian Capital Territory doesn't add a surcharge to duty for foreign buyers. Foreign owners of residential land pay an annual foreign ownership land tax surcharge (0.75% of the base value for 2026-27) unless they live in the property as their principal place of residence — an ongoing cost, not a purchase cost.$680 in registration fees
Access Canberra (Land Titles): transfer $496; mortgage $184.
01Rates
ACT transfer duty rates
What ACT Revenue Office charges on the dutiable value, for contracts from 1 July 2026. Lower owner-occupier rates follow.
| Dutiable value | Duty |
|---|---|
| Up to $200,000 | 1.2% of the value |
| $200,001 to $300,000 | $2,400 plus 2.2% of the value over $200,000 |
| $300,001 to $500,000 | $4,600 plus 3.4% of the value over $300,000 |
| $500,001 to $750,000 | $11,400 plus 4.32% of the value over $500,000 |
| $750,001 to $1,000,000 | $22,200 plus 5.9% of the value over $750,000 |
| $1,000,001 to $1,455,000 | $36,950 plus 6.4% of the value over $1,000,000 |
| Over $1,455,000 | 4.54% of the whole value |
The value is rounded up to the next $100 before the rates apply. No duty is payable if it would be less than $20.
| Dutiable value | Duty |
|---|---|
| Up to $260,000 | 0.28% of the value |
| $260,001 to $300,000 | $728 plus 2.2% of the value over $260,000 |
| $300,001 to $500,000 | $1,608 plus 3.4% of the value over $300,000 |
| $500,001 to $750,000 | $8,408 plus 4.32% of the value over $500,000 |
| $750,001 to $1,000,000 | $19,208 plus 5.9% of the value over $750,000 |
| $1,000,001 to $1,455,000 | $33,958 plus 6.4% of the value over $1,000,000 |
| Over $1,455,000 | 4.54% of the whole value |
The value is rounded up to the next $100 before the rates apply. No duty is payable if it would be less than $20.
All buyers are individuals buying in their own right. At least one buyer lives in the home as their principal place of residence within 1 year (of completion, or of the certificate of occupancy for vacant land) for at least 1 continuous year. No income, value, prior-ownership or citizenship test.
At a glance
Duty at common prices in the ACT
From $500,000 to $1,500,000, for investors, home buyers and first home buyers in the ACT.
| Price | Investment | Your home | First home, established | First home, new |
|---|---|---|---|---|
| $500,000 | $11,400 | $8,408 | $0 | $0 |
| $650,000 | $17,880 | $14,888 | $0 | $0 |
| $750,000 | $22,200 | $19,208 | $0 | $0 |
| $900,000 | $31,050 | $28,058 | $0 | $0 |
| $1,100,000 | $43,350 | $40,358 | $0 | $0 |
| $1,500,000 | $68,100 | $68,100 | $0 | $0 |
- Before land titles fees; citizens or permanent residents; ACT Revenue Office rules as checked on 26 October 2026.
02Concessions
First home buyer concessions and grants
What ACT Revenue Office offers home buyers, and the conditions that come with it.
Home Buyer Concession Scheme
No duty, at any price. Applies to established homes, new homes, off-the-plan purchases and vacant land.
- Nil duty on a home (new or established) or vacant land at any price — no income or property value cap for transactions from 1 July 2026.
- All buyers are individuals aged 18 or over.
- You (and any domestic partner) have not held an interest in land anywhere (ACT, Australia or overseas) in the previous 5 years. You don't have to be a first home buyer.
- At least one buyer lives in the property as their principal place of residence within 1 year, for at least 1 continuous year.
- No citizenship or residency requirement.
Off-the-plan unit duty exemption
No duty, at any price. Open to buyers who are not first home buyers. Applies to off-the-plan purchases.
- A unit (apartment or townhouse) in a units plan, bought off the plan before the plan is registered. House-and-land packages don't qualify.
- Buyers are individuals aged 18 or over; at least one lives in it as their principal place of residence within 1 year of completion, for 1 year.
- No value cap (removed 1 July 2026), no income or prior-ownership test.
Other concessions
The calculator does not apply these. Your conveyancer or ACT Revenue Office can confirm whether you qualify.
- Newly unit titled duty exemption. Nil duty for a completed, never-occupied unit bought directly from the developer within 2 years of the units plan being registered, if you live in it for 1 year (not for off-the-plan contracts). No value cap.
- Pensioner duty concession. Nil duty (no value cap from 1 July 2026) when at least one buyer receives an eligible pension or holds a DVA Gold Card and sells their former home within 1 year. Once only.
- Disability duty concession. Nil duty on the principal place of residence of an NDIS participant with an individualised funding package (threshold removed 1 July 2026).
- First Home Owner Grant. The ACT First Home Owner Grant ended on 1 July 2019. There is no ACT home buyer grant.
03Foreign buyers
No foreign purchaser surcharge in the ACT
The Australian Capital Territory doesn't charge foreign buyers extra duty. Commonwealth FIRB rules still apply.
Who pays it
- The ACT does not charge a foreign purchaser surcharge on conveyance duty.
Other costs for foreign owners
- Foreign owners of residential land pay an annual foreign ownership land tax surcharge (0.75% of the base value for 2026-27) unless they live in the property as their principal place of residence — an ongoing cost, not a purchase cost.
- Commonwealth FIRB rules still apply (approval needed; established dwellings banned for most foreign persons until 30 June 2029).
How your visa changes this:
- Visa and PR home loans
- Permanent residents
- Subclass 491 and subclass 482 visa holders
04Government fees
Land titles fees
Access Canberra (Land Titles) charges these to register your purchase and your mortgage. Fees from 1 July 2026.
| Fee | How it is worked out | At $750,000 |
|---|---|---|
| Transfer registration | $496 | $496 |
| Mortgage registration | $184 | $184 |
| Total | $680 |
- Electronic lodgment network fees (about $6–$18 per lodgment) are extra.
- Conveyancing, inspections, lender fees and any FIRB application fee are not included.
05Worked examples
Three ACT purchases, worked through
$750,000, $950,000 and $700,000 purchases in the ACT, from the same rules as the calculator.
A first home buyer buys a $750,000 established home
Citizens or permanent residents buying their first home to live in.
The Home Buyer Concession Scheme removes the $19,208 of transfer duty.
| Item | Amount |
|---|---|
| Transfer dutyConveyance duty — eligible owner-occupier (Table 1) | $19,208 |
| Less Home Buyer Concession Scheme | −$19,208 |
| Mortgage registration fee | $184 |
| Transfer registration fee | $496 |
| Total government costs | $680 |
- Meets every condition of the Home Buyer Concession Scheme
- Rules checked against ACT Revenue Office on 26 October 2026
Buying a $950,000 established home to live in
Owner-occupiers who have owned property before, buying in the ACT with a home loan.
Transfer duty is $31,008 at the conveyance duty — eligible owner-occupier (Table 1), with no concession at this price.
| Item | Amount |
|---|---|
| Transfer dutyConveyance duty — eligible owner-occupier (Table 1) | $31,008 |
| Mortgage registration fee | $184 |
| Transfer registration fee | $496 |
| Total government costs | $31,688 |
- Conveyance duty — eligible owner-occupier (Table 1)
- Rules checked against ACT Revenue Office on 26 October 2026
A temporary visa holder buys a $700,000 new home
Every buyer holds a temporary visa and has never owned property. They buy new because foreign persons generally can't buy established homes until 30 June 2029.
The Home Buyer Concession Scheme removes the $17,048 of transfer duty.
| Item | Amount |
|---|---|
| Transfer dutyConveyance duty — eligible owner-occupier (Table 1) | $17,048 |
| Less Home Buyer Concession Scheme | −$17,048 |
| Mortgage registration fee | $184 |
| Transfer registration fee | $496 |
| Total government costs | $680 |
- No foreign purchaser surcharge in the ACT
- FIRB application fee not included
- Rules checked against ACT Revenue Office on 26 October 2026
06Questions
ACT stamp duty questions
How much is stamp duty on a $750,000 home in the ACT?
About $19,208 for an established home you will live in, if you are an Australian citizen or permanent resident and not a first home buyer ($22,200 for an investment property). First home buyers pay $0 on an established home, if they meet the conditions. Land titles fees add about $680. Figures checked against ACT Revenue Office on 26 October 2026.
Do first home buyers pay stamp duty in the ACT?
It depends on the price and the property. Home Buyer Concession Scheme: No duty, at any price. You must meet every condition, including living in the home.
Do temporary visa holders pay extra stamp duty in the ACT?
The Australian Capital Territory has no foreign purchaser surcharge on duty, so temporary visa holders pay the same transfer duty as everyone else. FIRB approval is still needed, and foreign persons generally can't buy established homes until 30 June 2029.
Is there a first home owner grant in the ACT?
The ACT First Home Owner Grant ended on 1 July 2019. There is no ACT home buyer grant. Duty concessions are the main help for first home buyers in the ACT.
Is stamp duty lower in the ACT if I live in the property?
Yes. The conveyance duty — eligible owner-occupier (Table 1) apply instead of the general rates: at $750,000 that is $19,208 rather than $22,200. All buyers are individuals buying in their own right. At least one buyer lives in the home as their principal place of residence within 1 year (of completion, or of the certificate of occupancy for vacant land) for at least 1 continuous year. No income, value, prior-ownership or citizenship test.
What is the newly unit titled duty exemption in the ACT?
Nil duty for a completed, never-occupied unit bought directly from the developer within 2 years of the units plan being registered, if you live in it for 1 year (not for off-the-plan contracts). No value cap.
What is the pensioner duty concession in the ACT?
Nil duty (no value cap from 1 July 2026) when at least one buyer receives an eligible pension or holds a DVA Gold Card and sells their former home within 1 year. Once only.
What does Access Canberra (Land Titles) charge?
Transfer registration: $496 ($496 at $750,000). Mortgage registration: $184. Electronic lodgment network fees (about $6–$18 per lodgment) are extra.
Other states and territories
Stamp duty in other states
Sources
ACT Revenue Office, Access Canberra (Land Titles) and FIRB pages behind every figure above, as checked on 26 October 2026.
- Conveyance duty, residential — not an eligible owner-occupier (Table 2): legislation
- Conveyance duty, residential — not an eligible owner-occupier (Table 2)
- Conveyance duty, residential — not an eligible owner-occupier (Table 2): official calculator
- Conveyance duty, residential — not an eligible owner-occupier (Table 2): legislation (legislation)
- Home Buyer Concession Scheme: legislation
- Home Buyer Concession Scheme
- Off-the-plan unit duty exemption: legislation
- Off-the-plan unit duty exemption
- Foreign purchaser duty surcharge
- Newly unit titled duty exemption: legislation
- Newly unit titled duty exemption
- Pensioner duty concession: legislation
- Disability duty concession: legislation
- First Home Owner Grant (closed)
- Access Canberra (Land Titles) fees: legislation
- Residential land
- Banning foreign purchases of established dwellings
Buying in the ACT? Talk it through with Sulav
We check the duty, grants and lender policy for your situation before you sign a contract.