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Calculator
Stamp duty calculator.
Transfer duty for every Australian state and territory, including owner-occupier rates and first home buyer concessions.
Indicative estimate only, not a quote, loan offer or credit advice. Results use the figures you enter plus standard assumptions, exclude fees and charges, and government duties/concessions change. Any rate shown is one you set for comparison, not a rate we are offering. Your full financial situation needs to be considered before any loan offer. Ask us for exact numbers, it's free.
Duty tables and concessions are updated by state governments from time to time, figures here are indicative (last reviewed July 2026). We confirm exact duty and every concession you qualify for as part of your free assessment.
Good to know
Stamp duty questions, answered.
How much is stamp duty in Queensland?
Queensland transfer duty is tiered, an owner-occupied $600,000 established home attracts roughly $12,850 with the home concession. First home buyers currently pay no duty on new homes, and concessional rates apply for established homes under the thresholds. The calculator above applies these automatically.
Do first home buyers pay stamp duty?
Often not. Every state offers first-home concessions, full exemptions up to a threshold (e.g. QLD established homes to $700,000, NSW to $800,000, VIC to $600,000), then phased concessions above it. New builds attract extra relief in several states, including no duty at all in QLD and SA.
Is stamp duty added to my loan or paid upfront?
Duty is payable at or shortly after settlement, so it usually comes from savings on top of your deposit. In some cases it can be capitalised into the loan if the loan-to-value ratio allows, ask us to structure this.
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