Stamp Duty Calculator Australia 2025–26
Calculate transfer duty for residential property purchases across Australian states. Includes first home buyer concessions and investor rates for 2025–26.
Property details
Stamp duty estimate
What is stamp duty in Australia?
Stamp duty (officially called transfer duty in most states) is a state government tax charged when you buy property. It is one of the largest upfront costs of buying a home, often adding 3%–6% to the purchase price. On a $900,000 property, stamp duty alone can exceed $35,000 — a cost that must be paid upfront and cannot be rolled into your mortgage.
How much stamp duty will you pay?
Stamp duty is calculated on a sliding scale — higher property prices attract higher rates. Each state sets its own thresholds and rates, so the same property can attract very different duty amounts depending on where it's located. Use the calculator above to get an instant estimate for NSW, VIC, QLD, WA, or SA.
First home buyer concessions by state (2025–26)
| State | Concession |
|---|---|
| NSW | No duty on homes up to $800,000; reduced to $1,000,000 |
| VIC | No duty on homes up to $600,000; reduced to $750,000 |
| QLD | First home concession up to $8,750 on homes up to $700,000 |
| WA | No duty on homes up to $430,000; reduced to $530,000 |
| SA | No first home buyer exemption; off-the-plan concessions may apply |
Eligibility conditions apply. Check the relevant state revenue office for full criteria.
Stamp duty adds ~4% to your property cost
For most properties in the $700k–$1.2M range, stamp duty adds roughly 3–5% to your purchase price. This is money you need on top of your deposit — your lender will not finance it. First home buyers in NSW, VIC, and WA can significantly reduce or eliminate this cost by meeting the eligibility requirements.