Stamp Duty Calculator
Estimate the stamp duty and government fees on your property purchase across all Australian states and territories.
Calculate Your Stamp Duty
Enter your property details below to estimate the stamp duty (transfer duty) payable. Rates are updated for 2025-26 and include first home buyer concessions and foreign buyer surcharge information where applicable.
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Stamp Duty (Transfer Duty),
First Home Buyer Saving,
Total Purchase Cost,
Effective Duty Rate,
Disclaimer: This calculator provides estimates based on publicly available government rate schedules for 2025-2026. Actual stamp duty may vary based on property type, contract date, and individual circumstances. Some concessions are income-tested or have additional eligibility criteria. Foreign buyer surcharges are shown for information only and are not included in the calculated total. For an accurate quote tailored to your purchase, contact David for free personalised advice.
Frequently Asked Questions
Stamp duty (also called transfer duty) is a state government tax charged when you purchase property. It is calculated as a percentage of the property purchase price and must be paid at settlement. The rates and thresholds vary between states and territories, so the amount you pay depends on where your property is located.
Yes, most states and territories offer stamp duty concessions or exemptions for first home buyers. These vary significantly by state. For example, NSW offers a full exemption on properties up to $800,000 and a sliding concession up to $1,000,000. Victoria exempts properties up to $600,000 with a sliding scale to $750,000. David can help you understand exactly what concessions apply to your situation and how to maximise your savings.
Yes, stamp duty rates and thresholds are set independently by each state and territory government. This means the duty on a $750,000 property in NSW will be different from the same property in Victoria or Queensland. Some states also have additional surcharges for foreign buyers and different concessions for first home buyers, pensioners, or off-the-plan purchases.
Stamp duty is typically paid at settlement, which is the date you officially take ownership of the property. Your solicitor or conveyancer will usually handle the payment on your behalf. In most states, payment is due within 3 months of the contract date (or at settlement if earlier). It is important to factor this cost into your budget when planning your property purchase.
In some cases, yes. Some lenders allow you to capitalise stamp duty into your home loan, meaning you borrow the stamp duty amount along with the property price. However, this increases your total loan amount and means you pay interest on the stamp duty over the life of the loan. David can advise whether this option is available and sensible for your circumstances.
Yes, in addition to stamp duty you will need to pay a transfer registration fee (also called a title transfer fee), which varies by state and property value. There may also be mortgage registration fees if you are financing the purchase. Our calculator shows the stamp duty component, contact David for a full breakdown of all purchase costs for your specific property.
Yes, most states and territories impose a foreign buyer surcharge on top of the standard stamp duty. This ranges from 7% to 9% of the property value depending on the state. For example, NSW charges a 9% surcharge and Victoria charges 8%. The ACT and Tasmania do not currently have a foreign buyer surcharge. The calculator shows surcharge information for each state in the details panel.
David can help you understand the full cost of purchasing a property, including stamp duty, government fees, and other expenses. He can advise on available concessions, help you structure your finances to cover these costs, and identify lenders who may capitalise stamp duty into the loan. As an experienced mortgage broker with access to 40+ lenders, David provides free, no-obligation advice. Get in touch or call 0417 676 191.
Need Help Understanding Your Property Costs?
Stamp duty is just one part of the picture. David can walk you through all the costs of buying property and help you find the best loan structure for your situation, free of charge.