Stamp duty
What will stamp duty cost?
Stamp duty — or transfer duty, depending where you live — is levied by state governments on every property purchase. It's calculated on the purchase price and paid at settlement, coming straight out of your savings before your deposit. For most buyers it's the biggest upfront cost after the deposit itself.
This calculator covers all eight states and territories, including first home buyer concessions and state-specific rules. The methodology is shown in full on every result — no black boxes.
Brackets from state revenue offices, last checked June 2026. We won't be offended if you double-check elsewhere.
Which state or territory?
Each state sets its own rates and thresholds — the difference can be tens of thousands of dollars on the same price.
First home buyer?
Do you qualify for the ACT Home Buyer Concession Scheme?
The ACT Home Buyer Concession Scheme gives a full stamp duty exemption to income-eligible buyers — it's not limited to first home buyers. Approximate threshold: around $160,000/year for singles, higher for couples and families. The property must be your principal place of residence.
How do you plan to use this property?
You can only have one principal place of residence at a time. Victoria charges a lower rate for owner-occupiers on homes up to $550,000.
New build or established home?
What type of property?
What's the price?
Stamp duty is calculated on the purchase price. Best estimate is fine — you can run it again once you have a number.
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Spending more than $5 million? At that point you probably have enough money to hire someone who doesn't get their calculations from the internet.