Stamp Duty Calculator Australia
Estimate stamp duty (transfer duty) on residential property in NSW, VIC, QLD, WA, SA, TAS, ACT and NT — with the effective rate and notes for first home buyers.
Stamp Duty Calculator Australia
Estimate stamp duty (transfer duty) on residential property for NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
• First home buyers may qualify for reduced or waived duty (e.g. NSW under $800,000). Check with your state revenue office.
• Estimates only — duty rates change and depend on your circumstances. Confirm the exact amount with your state or territory revenue office.
What is Stamp Duty?
Stamp duty — called transfer duty in Victoria — is a state or territory tax paid when you buy property. It is one of the biggest upfront costs of buying a home in Australia, often tens of thousands of dollars. Each state has its own duty rates and brackets, which is why a stamp duty calculator needs to cover every state separately.
NSW Stamp Duty Calculator
New South Wales duty is charged on a sliding scale from 1.25% on low-value property up to 7% on property over about $1 million. First home buyers in NSW pay no duty on homes under $800,000 and receive concessions up to $1 million.
VIC Stamp Duty (Transfer Duty) Calculator
Victoria applies a rate from 1.4% up to 6.5% on high-value property. First home buyers in Victoria may qualify for an exemption or concession on homes up to $600,000. Investment property and foreign buyers face additional surcharges.
QLD, WA, SA, TAS, ACT & NT Stamp Duty
Queensland duty rises from 1% to 5.75%, Western Australia from 1.9% to 5.15%, South Australia from 1% to 5.5%, Tasmania from 1.25% to 4.5%, ACT to 4.95% on the highest values, and the Northern Territory to 4.95%. Each state also offers first home buyer concessions, so check your eligibility before budgeting.
How to Budget for Stamp Duty
Use the calculator for the exact duty on the price you are considering, add conveyancing and registration fees, then make sure your deposit and borrowing plan cover it. Stamp duty is usually paid within 3 months of settlement.
Frequently Asked Questions
How much is stamp duty on a $900,000 house in NSW?
At the NSW residential rates, duty on $900,000 is roughly $42,245 (5.5% bracket). Use the calculator to see the exact amount for any state.
Is stamp duty the same in every state?
No. Each state and territory has its own rates, brackets and concessions. The calculator covers NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
Do first home buyers pay stamp duty?
Often not the full amount. NSW exempts homes under $800,000, Victoria under $600,000, and other states have their own thresholds. Concessions usually phase out above those amounts.
Can I add stamp duty to my home loan?
Stamp duty cannot be borrowed by most lenders. It is an upfront cash cost you pay at settlement, so it needs to come from your deposit savings.
When is stamp duty paid?
Within 90 days of settlement in most states, or within 30 days of the contract date if you do not settle. Your conveyancer normally arranges payment.
Is stamp duty tax deductible?
For an investment property the duty is added to the cost base for capital gains purposes. For your own home it is not deductible.