Stamp Duty Calculator 2024–25

Calculate stamp duty (transfer duty) for your Australian property purchase. Select your state, enter the property value, and see your duty estimate including first home buyer concessions.

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$0$3m

Stamp Duty Estimate

Stamp duty payable

$27,440

Property value $700,000
Stamp duty $27,440
Effective duty rate 3.92%
Total purchase cost $727,440
Property: 96%
Stamp duty: 4%

What is stamp duty?

Stamp duty (officially called transfer duty in most states) is a state government tax on property transactions. It's based on the property's purchase price or market value, whichever is higher, and is payable by the purchaser.

Stamp duty is one of the largest upfront costs when buying property and must typically be paid within 30 days of settlement (14 days in NSW). First home buyers may be eligible for exemptions or concessions that significantly reduce — or eliminate — the duty.

First home buyer concessions by state

State Exemption up to Concession up to
NSW$800,000$1,000,000
VIC$600,000$750,000
QLD$500,000$550,000
WA$430,000$530,000
SANo concession—
TASNo concession—
ACTVaries—
NT$500,000$650,000

Thresholds are for established homes. New builds may have different rules. Always verify with your state revenue office.

Frequently Asked Questions

How much is stamp duty in Australia? +
Stamp duty varies by state and property value. On a $700,000 property: NSW ~$27,440, VIC ~$37,070, QLD ~$15,925, WA ~$26,455, SA ~$32,330, TAS ~$27,697. Rates are progressive — higher-value properties attract higher rates. Use this calculator to get a precise estimate for your state.
When do I have to pay stamp duty? +
Timing varies by state. In NSW, it's due within 3 months of signing the contract (usually by settlement). In VIC, QLD, and WA, it's typically due at or before settlement. Your solicitor or conveyancer will handle the payment as part of settlement.
Can I include stamp duty in my home loan? +
Most lenders won't include stamp duty in your loan — they lend against the property value, not purchase costs. You'll need to fund stamp duty (and other upfront costs like legal fees) from savings. For first home buyers, this is one reason why you need more than just a 20% deposit.
Do I pay stamp duty on a new home or off-the-plan property? +
Rules vary by state. Some states offer concessions or exemptions for new builds. In NSW, stamp duty on off-the-plan purchases may be calculated on the land value only (not the completed building value), which can significantly reduce duty. Check with your state revenue office for the exact rules for your property type.

Disclaimer: This calculator provides estimates for general information purposes only based on 2024–25 state revenue rates and does not constitute legal or financial advice. Stamp duty rates, thresholds, and concessions can change frequently. Results may not reflect all concessions, surcharges (e.g. foreign purchaser surcharges), or property-type-specific rules. Always verify your liability with a licensed conveyancer, solicitor, or your state revenue office before settlement.