Stamp duty · Queensland
QLD stamp duty calculator
Queensland charges $19,600 transfer duty on a $750,000 established home, or $10,925 for a first home buyer, plus 8% for foreign buyers. Estimate yours below, with Queensland Revenue Office's rules as checked on 26 October 2026.
Estimated stamp duty
$19,600
- Transfer dutyHome concession rates (owner-occupier)
- $19,600
- Mortgage registration fee
- $248.04
- Transfer registration fee
- $2,901.96
- Total government costs
- $22,750
- Specified foreign retirees (405/410 visa) have their own exemptions; this calculator treats every foreign purchaser as paying AFAD at general rates.
A 60-minute consultation with Sulav Adhikari, by phone or video. We check these numbers against real lender policy.
Checked against Queensland Revenue Office on (2026-27 rules)
- Home concession rates (owner-occupier): page 1, page 2, legislation · checked
- General transfer duty rates: page, official calculator · checked
- Titles Queensland: registration fees: PDF, page · checked
- First Home Owner Grant: page 1, legislation, page 2 · 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.
QLD in brief
What makes QLD different
$19,600 on a $750,000 home
That is 2.6% of the price for a home buyer who is not buying their first home, or $26,775 for an investor. The top rate is 5.75% on every dollar above $1,000,000.First home buyers: $10,925 at $750,000
First home concession (established home): Up to $17,350 off duty, stepping down to $1,735 below $800,000; no concession from $800,000. First home (new home) concession: No duty, at any price. First home vacant land concession: No duty, at any price. A new home at the same price costs $0.Lower rates if you live in it
Home concession rates (owner-occupier). You buy as individuals (not as a trustee) and move in within 1 year of settlement.8% additional foreign acquirer duty (AFAD)
$60,000 extra at $750,000. Permanent residents are not foreign persons for this surcharge.$30,000 First Home Owner Grant
For new homes and off-the-plan purchases up to $750,000. Not for established homes.$3,150 in registration fees
Titles Queensland: transfer $248.04, plus $46.56 for every $10,000 (or part) over $180,000; mortgage $248.04.
01Rates
QLD transfer duty rates
What Queensland Revenue Office charges on the dutiable value, for contracts from 21 September 2012. Lower owner-occupier rates follow.
| Dutiable value | Duty |
|---|---|
| Up to $5,000 | Nil |
| $5,001 to $75,000 | $0 plus 1.5% of the value over $5,000 |
| $75,001 to $540,000 | $1,050 plus 3.5% of the value over $75,000 |
| $540,001 to $1,000,000 | $17,325 plus 4.5% of the value over $540,000 |
| Over $1,000,000 | $38,025 plus 5.75% of the value over $1,000,000 |
The value is rounded up to the next $100 before the rates apply.
| Dutiable value | Duty |
|---|---|
| Up to $350,000 | 1% of the value |
| $350,001 to $540,000 | $3,500 plus 3.5% of the value over $350,000 |
| $540,001 to $1,000,000 | $10,150 plus 4.5% of the value over $540,000 |
| Over $1,000,000 | $30,850 plus 5.75% of the value over $1,000,000 |
The value is rounded up to the next $100 before the rates apply.
You buy as individuals (not as a trustee) and move in within 1 year of settlement. You lose the concession if you sell, transfer or lease the whole home before moving in or within 1 year of moving in. For contracts from 1 August 2026 every buyer must be a 'specified resident': an Australian citizen, a permanent resident (incl. a New Zealand citizen on a special category visa) or a specified foreign retiree (Duties Act s 90A).
At a glance
Duty at common prices in QLD
From $500,000 to $1,500,000, for investors, home buyers and first home buyers in QLD.
| Price | Investment | Your home | First home, established | First home, new |
|---|---|---|---|---|
| $500,000 | $15,925 | $8,750 | $0 | $0 |
| $650,000 | $22,275 | $15,100 | $0 | $0 |
| $750,000 | $26,775 | $19,600 | $10,925 | $0 |
| $900,000 | $33,525 | $26,350 | $26,350 | $0 |
| $1,100,000 | $43,775 | $36,600 | $36,600 | $0 |
| $1,500,000 | $66,775 | $59,600 | $59,600 | $0 |
- Before land titles fees; citizens or permanent residents; Queensland Revenue Office rules as checked on 26 October 2026.
02Concessions
First home buyer concessions and grants
What Queensland Revenue Office offers home buyers, and the conditions that come with it.
First home concession (established home)
Up to $17,350 off duty, stepping down to $1,735 below $800,000; no concession from $800,000. Applies to established homes.
- All buyers are individuals aged 18 or over who have never held an interest in residential land anywhere (Australia or overseas).
- For contracts from 1 August 2026 every buyer must be a 'specified resident': an Australian citizen, a permanent resident (incl. a New Zealand citizen on a special category visa) or a specified foreign retiree (Duties Act s 90A).
- Move in within 1 year of settlement. Above $700,000 the price must be at least market value.
First home (new home) concession
No duty, at any price. Applies to new homes and off-the-plan purchases.
- A new home never previously occupied or sold as a residence, a substantially renovated home, or off the plan. No value cap.
- Not available if you demolish an existing home and rebuild.
- Same buyer tests as the first home concession, including the specified-resident rule from 1 August 2026.
First home vacant land concession
No duty, at any price. Applies to vacant land.
- Vacant residential land on which you build your first home and move in within 2 years of settlement. No value cap.
- Same buyer tests as the first home concession, including the specified-resident rule from 1 August 2026.
First Home Owner Grant: $30,000
- $30,000 for new homes (contracts from 20 November 2023; continued permanently from 1 July 2026). No grants for established homes.
- Value (including land and contract variations) must be less than $750,000.
- At least one applicant an Australian citizen or permanent resident; 18 or over; no previous grant; never owned and lived in a home in Australia since 1 July 2000.
- Move in within 1 year and live there for 6 continuous months. No income test.
03Foreign buyers
Additional foreign acquirer duty (AFAD): 8%
Paid on top of transfer duty, on the full dutiable value. On a $750,000 purchase that is $60,000.
Who pays it
- Foreign individuals: anyone who is not an Australian citizen or permanent resident, including temporary visa holders and New Zealand citizens without a special category visa.
- Foreign companies and trusts (50%+ foreign interest). Applies to owner-occupied and investment purchases.
- Status is fixed at the contract date; no refund if you later become a permanent resident.
- From 1 August 2026 a foreign buyer (other than a specified foreign retiree) also cannot claim any home concession.
Who doesn't
- New Zealand citizens on a special category visa (treated as permanent residents).
- Specified foreign retirees (subclass 405/410) buying their principal place of residence (s 246).
How your visa changes this:
- Visa and PR home loans
- Permanent residents
- Subclass 491 and subclass 482 visa holders
04Government fees
Land titles fees
Titles Queensland 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 | $248.04, plus $46.56 for every $10,000 (or part) over $180,000 | $2,901.96 |
| Mortgage registration | $248.04 | $248.04 |
| Total | $3,150 |
- Conveyancing, inspections, lender fees and any FIRB application fee are not included.
05Worked examples
Three QLD purchases, worked through
$750,000, $900,000 and $700,000 purchases in QLD, 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 First home concession (established home) cuts transfer duty from $19,600 to $10,925.
| Item | Amount |
|---|---|
| Transfer dutyHome concession rates (owner-occupier) | $19,600 |
| Less First home concession (established home) | −$8,675 |
| Mortgage registration fee | $248.04 |
| Transfer registration fee | $2,901.96 |
| Total government costs | $14,075 |
- Meets every condition of the First home concession (established home)
- Rules checked against Queensland Revenue Office on 26 October 2026
Buying a $900,000 established home to live in
Owner-occupiers who have owned property before, buying in QLD with a home loan.
Transfer duty is $26,350 at the home concession rates (owner-occupier), with no concession at this price.
| Item | Amount |
|---|---|
| Transfer dutyHome concession rates (owner-occupier) | $26,350 |
| Mortgage registration fee | $248.04 |
| Transfer registration fee | $3,600.36 |
| Total government costs | $30,198.40 |
- Home concession rates (owner-occupier)
- Rules checked against Queensland 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.
Transfer duty is $24,525 at the general rates, with no concession at this price. The additional foreign acquirer duty (AFAD) adds $56,000.
| Item | Amount |
|---|---|
| Transfer dutyGeneral transfer duty rates | $24,525 |
| Additional foreign acquirer duty (AFAD) (8%) | $56,000 |
| Mortgage registration fee | $248.04 |
| Transfer registration fee | $2,669.16 |
| Total government costs | $83,442.20 |
- Additional foreign acquirer duty (AFAD) at 8% on the full price
- FIRB application fee not included
- Rules checked against Queensland Revenue Office on 26 October 2026
06Questions
QLD stamp duty questions
How much is stamp duty on a $750,000 home in QLD?
About $19,600 for an established home you will live in, if you are an Australian citizen or permanent resident and not a first home buyer ($26,775 for an investment property). First home buyers pay $10,925 on an established home and $0 on a new home, if they meet the conditions. Land titles fees add about $3,150. Figures checked against Queensland Revenue Office on 26 October 2026.
Do first home buyers pay stamp duty in QLD?
It depends on the price and the property. First home concession (established home): Up to $17,350 off duty, stepping down to $1,735 below $800,000; no concession from $800,000. First home (new home) concession: No duty, at any price. First home vacant land concession: No duty, at any price. You must meet every condition, including living in the home.
Do temporary visa holders pay extra stamp duty in QLD?
Yes. Foreign persons pay additional foreign acquirer duty (AFAD) of 8% of the dutiable value on top of transfer duty. Foreign individuals: anyone who is not an Australian citizen or permanent resident, including temporary visa holders and New Zealand citizens without a special category visa. Separately, foreign persons need FIRB approval and generally can't buy established homes until 30 June 2029.
Is the First Home Owner Grant taken off the stamp duty?
No. Duty is worked out on the full price and the grant is paid separately. In QLD the First Home Owner Grant is $30,000 for new homes and off-the-plan purchases up to $750,000. It is not available for established homes.
Is stamp duty lower in QLD if I live in the property?
Yes. The home concession rates (owner-occupier) apply instead of the general rates: at $750,000 that is $19,600 rather than $26,775. You buy as individuals (not as a trustee) and move in within 1 year of settlement. You lose the concession if you sell, transfer or lease the whole home before moving in or within 1 year of moving in. For contracts from 1 August 2026 every buyer must be a 'specified resident': an Australian citizen, a permanent resident (incl. a New Zealand citizen on a special category visa) or a specified foreign retiree (Duties Act s 90A).
Do permanent residents pay the foreign surcharge in QLD?
No. In QLD a foreign person is someone who is not an Australian citizen or permanent resident, so permanent residents pay normal duty. New Zealand citizens on a special category visa (treated as permanent residents).
What does Titles Queensland charge?
Transfer registration: $248.04, plus $46.56 for every $10,000 (or part) over $180,000 ($2,901.96 at $750,000). Mortgage registration: $248.04.
Other states and territories
Stamp duty in other states
Sources
Queensland Revenue Office, Titles Queensland and FIRB pages behind every figure above, as checked on 26 October 2026.
- General transfer duty rates
- General transfer duty rates: legislation
- General transfer duty rates: official calculator
- Home concession rates (owner-occupier)
- Home concession rates (owner-occupier) (home concession)
- First home concession
- First home (new home) concession
- First home vacant land concession
- First home owner grant: eligibility
- First Home Owner Grant: legislation
- First Home Owner Grant
- Additional foreign acquirer duty: assessing
- Additional foreign acquirer duty: foreign persons
- Additional foreign acquirer duty (AFAD)
- Titles Queensland fees (PDF)
- Titles Queensland fees
- Residential land
- Banning foreign purchases of established dwellings
Buying in QLD? Talk it through with Sulav
We check the duty, grants and lender policy for your situation before you sign a contract.