Stamp Duty Calculator Australia
Free Australian stamp duty calculator updated for 2024-25. Calculate transfer duty for property purchases in NSW, VIC, QLD, WA, SA, TAS, ACT, and NT. Automatically applies first home buyer exemptions and concessions, foreign buyer surcharges, and off-the-plan concessions where applicable.
Property Details
2024-25Stamp Duty
$0
Est. Legal Fees
$0
Conveyancing estimate
Total Purchase Cost
$0
Price + duty + fees
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Stamp duty in Australia explained
Stamp duty (also called transfer duty) is a tax levied by state and territory governments when you purchase property. It's one of the largest upfront costs of buying a home, often ranging from $10,000 to $50,000+ depending on the property value and state. Each state sets its own rates and thresholds.
First home buyer concessions by state
Every state except South Australia offers some form of stamp duty relief for first home buyers purchasing a primary residence. NSW provides a full exemption for properties up to $800,000 with partial concessions to $1,000,000. Victoria exempts properties up to $600,000. The ACT offers a full exemption up to $1,000,000. These concessions can save first home buyers tens of thousands of dollars.
Additional costs to budget for
Beyond stamp duty, property buyers should budget for conveyancing/legal fees ($1,500-$3,000), building and pest inspections ($400-$800), loan application fees ($0-$600), title search fees, and mortgage registration fees. If your LVR exceeds 80%, you'll also need to factor in Lenders Mortgage Insurance.
Frequently asked questions
Stamp duty (or transfer duty) is a state government tax charged when you purchase property. The amount varies by state, property value, and buyer type. It's typically the largest upfront cost after the deposit and is paid at settlement.
Most states offer stamp duty exemptions or concessions for first home buyers. In NSW, first home buyers pay no stamp duty on properties up to $800,000. In VIC, the threshold is $600,000. QLD exempts properties under $500,000. Check your state's specific thresholds and conditions.
Stamp duty is usually paid at settlement (when ownership transfers). Some states allow you to defer payment or pay in instalments. In most cases, your conveyancer or solicitor will arrange payment as part of the settlement process.
Generally no — most lenders don't allow stamp duty to be capitalised into your home loan. You need to pay stamp duty from your own funds at settlement. However, some lenders may allow it for certain loan-to-value ratios. Factor stamp duty into your savings plan alongside your deposit.
The ACT is transitioning away from stamp duty toward an annual land tax, offering some of the lowest rates. The NT has relatively low stamp duty for properties under $525,000. Queensland charges no stamp duty on the first $5,000 of property value. The cheapest state depends on your property's value.
Stamp duty on your primary residence is not tax-deductible. For investment properties, stamp duty is added to the property's cost base, which reduces your capital gains tax when you eventually sell. It cannot be claimed as an annual deduction.
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