Australian Stamp Duty Calculator 2026

Calculate property transfer duty across all states and territories

Free calculator. No email required. Instant results with first home buyer concessions and state comparison.

Property Details

Property Purchase Price

$750,000

State/Territory

Property Type

Buyer Status

First home buyers may be eligible for concessions or exemptions

Quick amounts:

Note: Stamp duty rates and concessions vary by state and are subject to eligibility criteria. For accurate calculations specific to your situation, consult with a conveyancer or solicitor.

Enter property details to calculate stamp duty.

Stamp Duty Rates by State 2026

Stamp duty (also called transfer duty) is calculated on a sliding scale that varies by state. Below is a summary of the current rates, concessions, and surcharges for each major state as of 2026.

New South Wales (NSW)

NSW uses a sliding scale from 1.25% to 7% depending on the property value. Standard stamp duty on a $750,000 property is approximately $29,240. The top marginal rate of 7% applies to the portion of the property value above $3.4 million (premium property duty).

First home buyer: Exempt up to $800,000; concession available $800K-$1M
Foreign buyer surcharge: 8% additional duty
Premium property duty: Additional rate on properties above $3.4M

Victoria (VIC)

Victoria has some of the highest stamp duty rates in Australia, with a sliding scale from 1.4% to 6.5%. A standard property purchase at $750,000 attracts approximately $40,070 in stamp duty — nearly double Queensland for the same price. Victoria also charges a windfall gains tax on rezoned land.

First home buyer: Exempt up to $600,000; concession available $600K-$750K
Foreign buyer surcharge: 8% additional duty
Note: Victoria also charges a windfall gains tax on rezoned land

Queensland (QLD)

Queensland offers some of the most competitive stamp duty rates in Australia, with a sliding scale from 1.5% to 5.75%. Transfer duty on a $750,000 property is approximately $20,225 — significantly lower than NSW and VIC. Queensland also offers generous first home buyer concessions.

First home buyer: Concession on homes under $550,000
Foreign buyer surcharge: 8% (Additional Foreign Acquirer Duty)
Note: No land tax-free threshold for companies and trusts

Western Australia (WA)

Western Australia has the lowest top marginal stamp duty rate in Australia at 5.15%. The sliding scale starts at 1.9% for lower-value properties. WA also offers expanded first home buyer thresholds, making it one of the more affordable states for property entry costs.

First home buyer: Exempt up to $430,000
Foreign buyer surcharge: 7% additional duty

South Australia (SA)

South Australia charges stamp duty on a sliding scale from 1% to 5.5%. SA offers one of the most generous first home buyer concessions in the country — no stamp duty on new homes up to $650,000. For standard purchases, SA sits in the mid-range nationally.

First home buyer: No stamp duty on new homes up to $650,000
Foreign buyer surcharge: 7% additional duty

Stamp Duty Comparison Table 2026

The table below shows approximate stamp duty for standard (non-first home buyer, non-foreign) residential property purchases at three common price points across all states and territories.

State	$600,000	$800,000	$1,000,000
NSW	$22,490	$31,490	$40,490
VIC	$31,070	$43,070	$55,000
QLD	$15,925	$24,525	$33,850
WA	$21,330	$31,330	$41,330
SA	$26,830	$37,080	$47,830
TAS	$22,497	$31,747	$42,247
ACT	$16,600	$27,600	$39,800
NT	$23,929	$33,929	$43,929

Note: These are approximate figures for standard (non-FHB, non-foreign) residential property purchases in 2026. Use the calculator above for exact figures based on your specific circumstances.

How the Calculator Works

Enter Property Details

Specify property price, state, property type, and buyer status (FHB, investor, etc.).

Instant Calculation

We calculate stamp duty using 2026 rates with state-specific brackets and concessions.

Compare & Save

See FHB savings, state comparison, and total upfront costs including fees.

Australia-Wide Coverage (2026 Rates)

✓ All States & Territories: NSW, VIC, QLD, WA, SA, TAS, ACT, NT rates
✓ First Home Buyer Concessions: Automatic calculation of exemptions and savings
✓ Foreign Buyer Surcharges: Includes additional duty where applicable (8% NSW/VIC/QLD/TAS, 7% WA/SA)
✓ State Comparison: Compare stamp duty costs across all states instantly
✓ Updated for 2026: Includes latest policy changes (QLD/SA new home exemptions, ACT unit exemption, WA expanded thresholds)

Calculator FAQs

What is stamp duty?▼

Stamp duty (also called transfer duty) is a state government tax charged when you buy property. The amount varies by state, property price, and buyer status. First home buyers often get discounts or exemptions.

Do first home buyers pay stamp duty?▼

First home buyer stamp duty exemptions vary by state: NSW ($0 up to $800K), VIC ($0 up to $600K), QLD ($0 for new homes, $0 up to $700K established), WA ($0 up to $500K), SA ($0 for new homes - no cap!), TAS ($0 up to $750K until June 2026), ACT (unit exemption up to $1.02M), NT (no FHB exemptions, but $50K grant available).

When do I pay stamp duty?▼

Payment deadlines vary by state: NSW (3 months from contract), VIC (30 days from settlement), QLD (30 days), WA (30 days from assessment), SA (at or before settlement), TAS (3 months from settlement), ACT (14 days from lodging title registration), NT (60 days from contract signing).

What is the foreign buyer surcharge?▼

Most states charge foreign buyers an additional surcharge: NSW 8%, VIC 8%, QLD 8%, WA 7%, SA 7%, TAS 8%. ACT and NT do not currently charge foreign buyer surcharges. This is added on top of standard stamp duty.

Which state has the lowest stamp duty?▼

It depends on property price and buyer status. Generally, WA has Australia's lowest top marginal rate (5.15%). For first home buyers, SA and QLD offer the most generous concessions ($0 stamp duty on new homes with no price cap). Use the state comparison feature to see costs across all states.

Are there any stamp duty exemptions?▼

Yes, beyond first home buyer concessions, exemptions may apply for: pensioner downsizers (TAS 50% concession for 60+ under $600K), transfers between spouses/de facto partners, off-the-plan purchases (VIC until Oct 2026, WA until June 2026), house & land packages (NT until June 2027), and certain family farm transfers.

Which Australian state has the cheapest stamp duty?▼

Queensland generally has the lowest stamp duty for mid-range properties ($500K-$800K). For example, stamp duty on a $600,000 property is approximately $15,925 in QLD compared to $22,490 in NSW and $31,070 in VIC. However, the cheapest state depends on your specific price point and buyer status — first home buyers can pay $0 in several states within certain thresholds.

Can I add stamp duty to my home loan?▼

Some lenders allow stamp duty capitalisation (adding it to the loan), but this increases your loan-to-value ratio (LVR) and may push you above the 80% threshold, triggering Lenders Mortgage Insurance (LMI). For example, adding $30,000 in stamp duty to a $600,000 loan increases your LVR from 80% to 84%, potentially costing an extra $8,000-$12,000 in LMI. It is generally better to pay stamp duty from savings if possible.

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Next Steps After Calculating Stamp Duty

NEWJan 21, 2026