How much is stamp duty in Australia?

Stamp duty varies by state, property price, and buyer type. For a $700,000 property, it ranges from around $13,000 in QLD to $38,000 in VIC for non-first home buyers.

Do first home buyers pay stamp duty?

Most states offer concessions. NSW exempts first home buyers up to $800k. VIC up to $600k. QLD up to $550k. ACT up to $1M. SA has no concession on existing homes.

What is the stamp duty concession threshold in my state?

Full exemptions: NSW $800k, VIC $600k, QLD $550k, WA $430k, ACT $1M. Partial concessions apply above these thresholds up to a cap. SA and NT have different structures.

Stamp Duty Calculator for First Home Buyers

Stamp duty

What you'll pay on settlement

Your numbers

Stamp duty calculator

See estimated duty in each state, with and without first home buyer concessions.

State or territory

Property price

$100k$3M

First home buyer

Eligibility depends on your circumstances: Australian citizen or PR, never owned property in Australia, must live in the property. Check with your conveyancer.

Estimated stamp duty

You payFull exemption

Standard duty (NSW)$28,280

You save$28,280

Effective duty rate0.00%

With FHB concession applied on a $750,000 property in NSW.

Estimates only, based on simplified 2025/26 published schedules from each state revenue office. This calculator assumes the purchase of an established residential dwelling. Different rates may apply for vacant land, new builds, commercial property, and foreign purchasers. First home buyer concessions are general guides and may not cover all eligibility criteria, property types, or contract conditions. Confirm your figures with your conveyancer or broker before making any financial decisions. This is not financial advice.

What this calculator covers

All 8 states and territories

NSW, VIC, QLD, SA, WA, TAS, ACT, and NT. Each uses its own published rate schedule.

First home buyer concessions

Exemptions and discounts where they exist. Some states offer full exemptions below a threshold, others scale the concession.

Effective rate

See what percentage of the purchase price goes to stamp duty. Useful for comparing across price points.

2025/26 schedules

Rates based on published schedules from each state revenue office. Updated when thresholds change.

What is stamp duty?

Stamp duty (also called transfer duty) is a state government tax you pay when you buy property. It is calculated as a percentage of the purchase price, and the rate increases as the price goes up. Each state and territory sets its own rates and thresholds.

When you pay stamp duty depends on your state. In most states, your conveyancer arranges payment at or before settlement. In NSW, duty is technically due within 3 months of contract exchange. Your conveyancer handles the timing. It is separate from your deposit and loan, so you need to budget for it on top of the purchase price.

For a $750,000 property, stamp duty ranges from roughly $10,000 to $30,000 depending on the state. It is worth checking early so you know what to set aside.

First home buyer concessions

Most states offer stamp duty concessions for first home buyers. These range from full exemptions (you pay nothing) to sliding scale discounts. The rules vary by state.

NSW

No duty up to $800,000. Partial concession up to $1,000,000.

VIC

No duty up to $600,000. Partial concession up to $750,000.

QLD

No duty up to $550,000. Sliding concession up to $700,000.

No duty up to $430,000. Partial concession up to $530,000.

TAS

50% discount on duty for properties up to $750,000.

ACT

No duty up to $1,000,000. The ACT concession has income thresholds ($160,000 for singles, $227,000 for couples) and a 12-month residency requirement.

Up to $23,928 off the standard duty amount.

SA has no stamp duty concession for first home buyers purchasing existing homes. There is a concession for new builds up to $650,000. A separate First Home Owner Grant may also apply for new builds.

Eligibility depends on your circumstances. Most concessions require the property to be your principal place of residence. Check with your conveyancer or your state revenue office for full details.

Related tools

Keep reading

Eligibility checker

See which first home buyer grants and concessions you qualify for.

Deposit tracker

Work out how long it takes to save your deposit, including stamp duty.

Cost calculator

See the full monthly cost of owning a home, not just the mortgage.

Borrowing power

See what factors affect how much you can borrow.

Important: This is general information only. It does not take into account your individual objectives, financial situation, or needs. It does not constitute financial advice, legal advice, credit assistance, or a recommendation of any financial product. Figures are estimates based on simplified published schedules and may not reflect current rules.

housematch.com.au does not hold an Australian Credit Licence (ACL) or an Australian Financial Services Licence (AFSL) and is not authorised to provide credit assistance under the National Consumer Credit Protection Act 2009.

housematch.com.au does not receive referral fees or commissions from any broker, lender, conveyancer, agent, or other party as at March 2026.

Before making any financial decisions, speak to a licensed mortgage broker, financial advisor, or accountant who can assess your specific circumstances. For independent guidance, visit moneysmart.gov.au.

Last reviewed: March 2026.