Stamp Duty Calculator QLD (2025-26)
Estimate Queensland transfer duty before setting a budget in Brisbane, the Gold Coast, the Sunshine Coast, or regional Queensland. Stamp duty still adds a meaningful upfront cost even where home prices are lower than Sydney.
Queensland stamp duty quick guide
Queensland first home buyers can receive up to $8,750 off duty on eligible homes priced up to $700,000. Unlike NSW and Victoria, QLD offers a fixed dollar concession rather than a full exemption, so some duty typically remains payable.
That concession is smaller than the full exemptions seen in NSW or Victoria, so duty still needs to be budgeted for carefully on most QLD purchases. On a $700k Queensland home, an owner-occupier pays around $20k in stamp duty, while a first home buyer receives up to $8,750 off that amount. Brisbane buyers in particular need to factor duty into their deposit calculation, as it cannot be added to the home loan.
Open QLD calculatorCommon QLD examples
| Purchase price | Owner-occupier duty | First home buyer duty |
|---|---|---|
| $700,000 | $24,525 | $15,775 |
| $850,000 | $31,275 | $31,275 |
| $1,000,000 | $38,025 | $38,025 |
Worked examples only. Eligibility conditions still apply to first home buyer concessions.
How much stamp duty should you budget in Queensland?
Stamp duty is an upfront cash cost on top of your deposit, legal fees, building reports, and moving costs. Buyers often focus on monthly mortgage repayments and forget they also need enough liquid cash to settle the duty bill.
In Queensland, duty rises quickly as purchase prices climb, which means even a modest bump in budget can add thousands of dollars in extra upfront cost. That is why using a state-specific calculator early in the buying process is so valuable.
Using this with your broader property budget
- Check duty first, then update your available deposit and borrowing amount.
- Model mortgage repayments separately so you know both the upfront and ongoing cost.
- If you are a first home buyer, test both the exemption threshold and the next price band before making offers.
- Compare total cash required, not just the headline property price.
Frequently asked questions
How much is stamp duty on a $600k house in QLD?
On a $600,000 property in Queensland, stamp duty is approximately $16,800 for owner-occupiers. First home buyers receive up to $8,750 off, reducing the duty to around $8,050.
Do first home buyers pay stamp duty in QLD?
Yes, but at a reduced rate. QLD first home buyers receive a concession of up to $8,750 on properties up to $700,000. Unlike NSW and VIC, there is no full exemption — some duty is always payable.
What is the stamp duty rate in Queensland?
Queensland stamp duty is calculated on a sliding scale: 3.5% for $75k-$540k, 4.5% for $540k-$1M, and 5.75% above $1M. First home buyer concessions are available up to $700k.
Brisbane, Gold Coast, and Sunshine Coast buyers should also budget for title registration fees and mortgage registration costs when calculating total purchase costs. The Queensland Revenue Office provides the official duty calculator and full eligibility criteria.