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Stamp Duty Calculator Australia

Work out the stamp duty on a home in any state or territory, with first home buyer and owner-occupier concessions and the foreign buyer surcharge.

$

Or market value, if higher

You’ve never owned a home in Australia

More options· Foreign buyer: no

Not an Australian citizen or permanent resident

Stamp duty in NSW

$27,937

3.7% of the price

At general rates
$27,937
Concessions
None

What this means

Stamp duty works in slices: each rate applies only to the part of the price in its band, so you pay 3.7% overall.

It’s paid at or soon after settlement and usually can’t go on your loan, so save for it on top of your deposit.

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Duty to pay

Per year
Duty at general rates$27,937.00
Total duty$27,937.00

How it’s worked out

NSW transfer duty at the general rates: $11,602 plus $4.50 for every $100 over $387,000

Assumptions in this estimate
  • Duty is charged on the price or the market value, whichever is higher. Registration fees, legal costs and lenders mortgage insurance aren’t included.
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How stamp duty is worked out

Each state charges duty on a sliding scale: a set amount for the price up to a threshold, plus a rate for every $100 above it. In Victoria, the ACT and the NT, some bands charge a rate on the whole price instead. The calculator shows the band used for your price.

First home buyer relief by state

State or territory No duty for first home buyers Less duty up to
NSW Homes up to $800,000 (vacant land $350,000) $1 million (land $450,000)
Victoria Homes and land up to $600,000 $750,000
Queensland Established homes up to about $700,000; new homes and vacant land at any price $800,000 (established homes)
WA Homes up to $600,000 (vacant land $450,000) $800,000 (land $550,000)
SA New homes and vacant land, at any price None on established homes
Tasmania None since 1 July 2026 None
ACT Any home or land, if you haven’t owned property in the last 5 years No limit
NT None, but house-and-land packages from a builder are exempt None

Other costs of buying

Duty is usually the biggest upfront cost after the deposit. You’ll also pay title registration fees, conveyancing or legal fees, building and pest inspections, and lenders mortgage insurance if your deposit is under 20%. See how much you can borrow with the borrowing power calculator, and your repayments with the mortgage calculator.

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Frequently asked questions

How much is stamp duty on an $800,000 home in NSW?

$30,187 if you're not a first home buyer. First home buyers pay nothing on a new or established home up to $800,000 in NSW, and less duty up to $1 million.

How much is stamp duty on a $600,000 home in Victoria?

$31,070 for most buyers. A first home buyer pays nothing on a home up to $600,000 in Victoria, and less duty up to $750,000.

Do first home buyers pay stamp duty?

It depends on the state. First home buyers pay no duty up to $800,000 in NSW, $600,000 in Victoria and WA, and about $700,000 in Queensland (no duty at all on new homes there). In SA, they pay none on new homes and land. In the ACT, anyone who hasn't owned property for 5 years pays none. Tasmania and the NT have no first home buyer duty relief.

Do investors pay more stamp duty?

In most states, investors and home buyers pay the same general rates. Owner-occupiers get lower rates in Queensland (the home concession), the ACT, and on cheaper homes in Victoria and WA.

Do foreign buyers pay extra?

Yes, in most states. The surcharge is 9% of the value in NSW, 8% in Victoria, Queensland and Tasmania, and 7% in WA and SA, on top of the normal duty. The ACT and NT don't charge one on duty.

Stamp Duty Calculator by state