⚠ Important — estimate only

This calculator estimates standard (general rate) transfer/stamp duty, and applies the NSW and Victorian first home buyer exemptions where they clearly apply. For every other state or territory — and for the NSW and VIC partial-concession bands — it deliberately shows no first home buyer concession rather than an unverified one; please contact us and we will confirm exactly what you are entitled to. It also does not account for off-the-plan or new-build concessions, pensioner concessions, or foreign-purchaser surcharges, which can change the amount significantly. Figures are indicative and rounded, and must not be relied upon for financial decisions.

Always confirm with the official State/Territory Revenue Office calculator:

Rates last updated: 2 June 2026, sourced from the official State/Territory Revenue Offices. NSW and VIC first home buyer thresholds verified: 2 August 2026. Mortgage & Finance Advisory — Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328 — provides this tool as a general guide only and accepts no liability for reliance on these figures.

Stamp Duty Calculator

Enter your details below

Property Purchase Price

State / Territory

Property Type

Buyer Type

Foreign Buyer (Additional Duty)

Stamp Duty

Transfer Fee

Other Upfront Costs

Total Upfront Costs

Cost Breakdown

Item	Amount

How it works

Stamp duty is a tax on property transfers that varies by state and property type.

This calculator shows 2025-2026 general rates. It applies the NSW and Victorian first home buyer exemptions where they clearly apply; for all other states and territories we will confirm your concession for you.

💡 Quick Tip

First home buyer concessions can save you thousands. Check with your state for current exemptions and eligibility.

Features

All state rates included
First home buyer concessions
Property type variations
Foreign buyer duty
Detailed cost breakdown

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Important Disclaimer & Assumptions

Assumptions: Stamp duty rates are based on current published state/territory rates and may change. First home buyer concessions and exemptions vary by state and are subject to eligibility criteria. Foreign purchaser surcharges apply in addition to standard duty. Transfer/registration fees are estimates.

General Disclaimer: This calculator is provided by Mortgage & Finance Advisory (Credit Representative 575841 of Connective Credit Services Pty Ltd, Australian Credit Licence 389328) for illustrative and educational purposes only. Results are estimates based on the information you provide and the assumptions listed above. They do not constitute financial advice, a loan offer, or a guarantee of any outcome.

Actual loan terms, interest rates, fees, government charges, and eligibility criteria will vary between lenders and depend on your individual circumstances. Interest rates used are for comparison purposes only and may not reflect current market rates.

We recommend seeking independent financial, legal, and tax advice before making any financial decisions. For personalised advice tailored to your situation, please book a free strategy call with our team.

Frequently Asked Questions

How is stamp duty calculated in Australia?+

Stamp duty (or transfer duty) is calculated based on the property purchase price or market value, whichever is higher. Each state and territory has its own rates and thresholds. Rates are typically tiered, meaning different portions of the price are taxed at different rates.

Do first home buyers get stamp duty exemptions?+

Yes, most Australian states offer stamp duty concessions or exemptions for first home buyers. For example, NSW offers a full exemption for properties up to $800,000, while Victoria exempts properties up to $600,000. Conditions and thresholds vary by state.

When do I need to pay stamp duty?+

Stamp duty is typically due within 30-90 days of settlement, depending on the state. Some states allow payment at settlement. First home buyers may have access to deferred payment options or exemptions that reduce or eliminate the upfront cost.