Estimate your stamp duty costs, as well as any relevant government fees or concessions. Note: We are in the process of updating some of the information in our stamp duty calculators. Please ensure you double check any estimates with the relevant state or territory government.
Important information
Stamp duty calculator results are estimates for informational and illustrative purposes only, based on the inputs you provide and the information available from state and territory governments. The actual stamp duty amount will be determined at the time of the property purchase, as calculated by the relevant state or territory government based on the specifics of the transaction and the parties involved. The results from this calculator should not be considered financial advice and you should not make any financial decisions based on them. Please speak with a qualified tax or financial advisor if you would like personalised advice and information based on your situation.
Interest rates from
6.04%
p.a.
Comp. rates from^
6.08%
p.a.
Variable Bare Home Loan 90% LVR
Borrow up to $2m with competitive variable rates from 6.04% p.a. (comparison rate^ 6.08% p.a.). Enjoy flexible payment options, zero monthly or ongoing fees, unlimited free redraws and up to 30 year terms. 90% Max LVR applies. Visit site for T&Cs and to check eligibility.
Stamp duty in Australia is a state and territory government tax applied to the sale or transfer of many personal and business-related assets, most commonly property. When buying or otherwise taking possession of homes or land, it's often referred to as the land transfer duty.
Stamp duty is often calculated as a percentage of the property’s value. The exact amount varies by state and territory, but it often falls somewhere between 3-5% for many property prices. So, the cheaper the home you’re buying, the cheaper the cost of stamp duty.
Each state in Australia applies stamp duty differently, with individual rates, purchase thresholds, and exemptions. Eligible buyers will need to understand these rules to calculate payable duty or apply for concessions when purchasing a home.
Your stamp duty costs will vary depending on:
Most states offer a stamp duty concession or exemption for first-home buyers. For example, new or existing homes in New South Wales valued up to $800,000 may qualify for an exemption with concessions applying above that for properties between $800,000 and $1 million. An experienced mortgage broker can help you understand if stamp duty applies to your circumstances and guide you through your options.
State | NSW |
|---|---|
Property price | $750,000 |
Owner-occupier stamp duty | $28,162 |
Investment stamp duty | $28,162 |
State | NSW |
Property price | $1,250,000 |
Owner-occupier stamp duty | $50,762 |
Investment stamp duty | $50,762 |
State | VIC |
Property price | $750,000 |
Owner-occupier stamp duty | $40,070 |
Investment stamp duty | $40,070 |
State | VIC |
Property price | $1,000,000 |
Owner-occupier stamp duty | $55,000 |
Investment stamp duty | $55,000 |
State | QLD |
Property price | $750,000 |
Owner-occupier stamp duty | $19,600 |
Investment stamp duty | $26,775 |
State | QLD |
Property price | $1,000,000 |
Owner-occupier stamp duty | $30,850 |
Investment stamp duty | $38,025 |
State | WA |
Property price | $750,000 |
Owner-occupier stamp duty | $29,741 |
Investment stamp duty | $29,741 |
State | WA |
Property price | $1,000,000 |
Owner-occupier stamp duty | $42,616 |
Investment stamp duty | $42,616 |
State | SA |
Property price | $750,000 |
Owner-occupier stamp duty | $35,080 |
Investment stamp duty | $35,080 |
State | SA |
Property price | $1,000,000 |
Owner-occupier stamp duty | $48,830 |
Investment stamp duty | $48,830 |
State | TAS |
Property price | $500,000 |
Owner-occupier stamp duty | $18,248 |
Investment stamp duty | $18,248 |
State | TAS |
Property price | $750,000 |
Owner-occupier stamp duty | $28,935 |
Investment stamp duty | $28,935 |
State | ACT |
Property price | $750,000 |
Owner-occupier stamp duty | $19,208 |
Investment stamp duty | $22,200 |
State | ACT |
Property price | $1,000,000 |
Owner-occupier stamp duty | $33,958 |
Investment stamp duty | $36,950 |
State | NT |
Property price | $500,000 |
Owner-occupier stamp duty | $23,929 |
Investment stamp duty | $23,929 |
State | NT |
Property price | $750,000 |
Owner-occupier stamp duty | $37,125 |
Investment stamp duty | $37,125 |
| State | Property price | Owner-occupier stamp duty | Investment stamp duty |
|---|---|---|---|
NSW | $750,000 | $28,162 | $28,162 |
NSW | $1,250,000 | $50,762 | $50,762 |
VIC | $750,000 | $40,070 | $40,070 |
VIC | $1,000,000 | $55,000 | $55,000 |
QLD | $750,000 | $19,600 | $26,775 |
QLD | $1,000,000 | $30,850 | $38,025 |
WA | $750,000 | $29,741 | $29,741 |
WA | $1,000,000 | $42,616 | $42,616 |
SA | $750,000 | $35,080 | $35,080 |
SA | $1,000,000 | $48,830 | $48,830 |
TAS | $500,000 | $18,248 | $18,248 |
TAS | $750,000 | $28,935 | $28,935 |
ACT | $750,000 | $19,208 | $22,200 |
ACT | $1,000,000 | $33,958 | $36,950 |
NT | $500,000 | $23,929 | $23,929 |
NT | $750,000 | $37,125 | $37,125 |
Choose from one of the state-specific stamp duty calculators below to learn more about purchase limits, exemptions, and stamp duty formulas.
The buyer of the property is liable to pay stamp duty, or anyone receiving the transfer of assets (unless exemptions apply). Typically, stamp duty is payable within 30-90 days of settlement, depending on the state or territory. Late payment penalties apply. Because stamp duty is an upfront cost, you need to budget for it in addition to your deposit, property cost, conveyancing, and insurance.
If you’re using a mortgage broker, they will liaise with conveyancers to lodge the payment on your behalf with the revenue office. Most lenders will allow you to add stamp duty to the principal amount of your home loan. This will increase your home loan repayments.
Stamp duty can be paid by direct deposit, cheque, credit card, and other major payment options. In most cases, you will receive a notice from your state government office delivered to the address of the purchased property or via email. This letter will often contain:
New research from Money.com.au reveals that nearly half of Australian homebuyers (46%) increased their mortgage to help fund government charges like stamp duty and other buying fees.
Among this group, 28% increased their home loan to cover all upfront costs, including stamp duty, conveyancing and settlement-related fees, while 18% increased their loan to cover stamp duty only, which is often a five-figure sum.
The survey found that rolling upfront buying costs into a mortgage was most common among younger Australians. Nearly two-thirds of Gen Z homebuyers (64%) borrowed extra to cover costs like stamp duty and other purchasing fees, followed by 54% of Millennials.
There are some circumstances where you can avoid paying stamp duty, like if you’re a first-home buyer and your property’s value or vacant land is less than the threshold set by your state or territory government.
In addition, stamp duty exemptions apply when transferring property between spouses or domestic partners. Seniors, pensioners and farmers may also be eligible for stamp duty concessions in some states. Thresholds and eligibility criteria vary by location, so check with your local revenue office for specific details.
Stamp duty is calculated using a sliding percentage scale, based on whichever is higher – your property’s sale price or its market value.
Each state and territory in Australia calculates stamp duty differently, and you will need to understand the rate brackets and any concessions or exemptions applicable to your state to make an estimation or just use our stamp duty calculator above.
You can reduce the amount of stamp duty you’re liable for by applying for exemptions or concessions from your state revenue office. Most states in Australia offer some form of first-home buyer assistance, each with different eligibility criteria.
You can claim a stamp duty exemption when you buy your first property (up to a nominated value) or transfer a property title to a spouse. In some states, stamp duty exemptions exist when property changes hands following a divorce or death. In most cases, you'll need to contact your state revenue office and complete an application for an exemption.
Your state or territory government may impose interest charges if you don’t pay the stamp duty on your property on time or may take legal action to recover the outstanding amount of stamp duty if you fail to pay it altogether. A lien may be placed on your property until stamp duty is paid.
Stamp duty on an investment property is not tax deductible in Australia, as it’s treated as a capital expense. However, stamp duty can offset capital gains and reduce your capital gains tax (CGT). Speak to an accountant about your options.
 | South West Slopes Bank Intro Discounted Standard Variable Home LoanInterest rate 5.70% per annum (variable) Comparison rate 6.06% per annum Redraw Offset Max LVR 90% | Compare now on Money.com.au or visit site |
 | Gateway Bank Green Plus Home LoanInterest rate 5.85% per annum (variable) Comparison rate 6.14% per annum Redraw Offset Max LVR 80% | Compare now on Money.com.au or visit site |
 | Police Credit Union Low Rate Home Loan Special OfferInterest rate 5.89% per annum (variable) Comparison rate 5.93% per annum Redraw Offset Max LVR 80% | Compare now on Money.com.au or visit site |
 | Transport Mutual Credit Union Refi Special Home LoanInterest rate 5.89% per annum (variable) Comparison rate 5.99% per annum Redraw Offset App Fee: $395 Max LVR 80% | Compare now on Money.com.au or visit site |
 | Bank of China Discount Plus Home Loan - Australian IncomeInterest rate 5.93% per annum (variable) Comparison rate 6.31% per annum Redraw Offset Max LVR 80% | Compare now on Money.com.au or visit site |
Home loan comparison rates are calculated based on a loan amount of $150,000 repaid over a 25-year term with monthly repayments. The comparison rates only apply to the examples given. Different loan amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees and cost savings such as fee waivers are not included in the comparison rate but may influence the cost of the loan. Check with the provider for full loan details, including rates, fees, eligibility and terms and conditions to make sure the product is right for you.
General information only The information on this page is general in nature and has been prepared without considering your objectives, financial situation or needs. You should consider whether the information provided and the nature of any home loan product is suitable for you and seek independent financial advice if necessary.
We are not providing you with a recommendation or suggestion about a particular home loan. You should read the relevant disclosure statements or other offer documents before deciding whether to apply for or continue to use a particular product.
What products, features and information are shown While we make every effort to ensure all home loans available in Australia are shown in our comparison tables, we do not guarantee that all products are included.
Our product comparisons may not compare all home loan features and attributes relevant to you.
Product information, such as interest rates, fees and charges, is subject to change without notice. Before acting on any information, you should confirm the relevant product information with the lender.
How home loans are sorted and filtered by default When results load initially in the main comparison table on this page, we show relevant loans from our sponsored partners first, then all loans on our database starting with the lowest relevant rate available from each of Australia's top 10 largest lenders first (top 10 is according to APRA, based on total value of loans per lender). We know these are the rates our customers are most interested in seeing. After these initial results, we show all products on our database, sorted as follows:
Some home loan products listed in our tables are available through a mortgage broker. Mortgage brokers may not be able to offer loans from every provider and there may be more suitable loans for your personal circumstances.
Mortgage brokers are not authorised by Money Pty Ltd's Australian Credit Licence and operate under their own Australian Credit Licence, or as a credit representative of another Australian Credit Licensee. Mortgage brokers can make recommendations about home loan products that may suit your objectives, financial situation and needs.
Our tables feature all home loans available from lenders on our database that match the search criteria selected. Lenders do not pay to feature in our tables. Partner lenders with loans marked as ‘sponsored’ may pay a commission to Money.com.au if you click to visit their website.
If you get help from a mortgage broker as a result of visiting this page, we may earn a commission.
