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Estimate the stamp duty (transfer duty) payable when purchasing property in any Australian state or territory. Select your circumstances to see applicable concessions, exemptions, and surcharges.
Select your state or territory
Choose where the property is located. Each Australian state and territory has its own duty rates, brackets, and concessions, so the result depends entirely on this selection.
Enter the property purchase price
Enter the contract price, including GST if applicable. The calculator applies the published rate brackets to your price.
Choose your buyer type
Select first home buyer, owner-occupier, investor, or foreign buyer. The calculator applies the matching concession, exemption, or surcharge for that buyer category in the chosen state.
Review the breakdown
See the base duty, any concession or surcharge applied, and the final amount payable. Use this as a guide for budgeting — your conveyancer will provide the exact assessment at settlement.
Stamp duty (also called transfer duty) is a state and territory tax, not a federal one. Each state sets its own rate brackets, thresholds, concessions, and surcharges, so the duty on the same purchase price can differ by tens of thousands of dollars depending on where you buy. This calculator uses the published rates for each state and is updated when state revenue offices change them.
Yes. The calculator applies the relevant first home buyer concession or full exemption for each state — for example NSW's First Home Buyer Assistance Scheme, Victoria's principal place of residence concession, and Queensland's first home concession. Eligibility depends on price thresholds and whether the property will be your principal place of residence.
Stamp duty is generally payable within 30 days of settlement (or 3 months in NSW), though some states require payment at or before settlement. Your conveyancer or solicitor usually handles the assessment and payment as part of the settlement process.
Some lenders allow you to capitalise stamp duty into the loan if you have enough equity or if you're using a guarantor — but most first home buyers need to pay it from savings on top of their deposit. Always factor stamp duty into your upfront costs when planning how much you need to save.
Australian state-specific rates, first home buyer concessions, and foreign buyer surcharges are all applied.
Choose your state, buyer type, property type, and price — we'll calculate duty, any concessions you qualify for, and any surcharges that apply.
Yes. When you select the foreign buyer option, the calculator applies the additional foreign purchaser duty surcharge (typically 7–8%) on top of the standard rate. Most states impose this surcharge on temporary visa holders and overseas residents purchasing residential property.