Australian Property

Stamp Duty Calculator Australia 2026

Calculate stamp duty for all states and territories, with first home buyer concessions.

Property Details

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How It Works

Stamp duty (also called transfer duty) is a state government tax paid when you buy property in Australia. Each state and territory sets its own rates and thresholds.

The duty is calculated on a sliding scale — the more expensive the property, the higher the rate. For example, in NSW a $800,000 property attracts approximately $31,490 in stamp duty for a non-first-home buyer.

First Home Buyers may qualify for concessions or full exemptions depending on the state and property value. Our calculator automatically applies these concessions based on the state you select and whether you indicate first home buyer status.

Frequently Asked Questions

How much is stamp duty in NSW on a $1 million property?
For a $1 million property in NSW (2026), stamp duty is approximately $40,490 for non-first-home buyers. First home buyers purchasing up to $800,000 pay no stamp duty under the First Home Buyer Assistance Scheme.

Which Australian state has the lowest stamp duty?
The ACT has been progressively abolishing stamp duty, replacing it with higher land tax. Queensland and Victoria offer competitive rates for lower-value properties, while NSW has strong first home buyer exemptions.

Do first home buyers pay stamp duty?
It depends on the state and property price. Most states offer full exemptions or significant concessions for first home buyers below certain thresholds. For example, NSW exempts properties up to $800,000 and Victoria exempts up to $600,000.

Is stamp duty tax deductible in Australia?
Stamp duty on your family home is not tax deductible. However, if you purchase an investment property, stamp duty is added to the property's cost base and reduces your capital gains tax when you eventually sell.

When do I have to pay stamp duty?
Stamp duty is typically due at settlement or within 30 days of the contract exchange date, depending on the state. Your conveyancer or solicitor usually handles the payment as part of the settlement process.

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Last updated: April 2026

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