Which states waive stamp duty for first home buyers on existing homes?

NSW (≤$800k full, taper to $1m), VIC (≤$600k full, taper to $750k), TAS (≤$750k full), QLD (no duty ≤$700k, taper to $800k). WA applies a concessional first home owner rate. SA and NT give no established-home duty concession. ACT uses the income-tested Home Buyer Concession Scheme.

Is this the price including or excluding the home?

Duty is on the dutiable value, the greater of price paid or market value of the property as a whole.

Does QLD have a special concession for new homes?

Yes. From 1 May 2025, eligible Queensland first home buyers signing a contract for a brand-new home or substantially renovated property get a full transfer duty exemption with no value cap (Queensland Revenue Office: First home (new home) concession). This calculator models the established-home first home concession only, the $710,000–$800,000 deduction taper. If you're buying a new build in QLD as a first home buyer, your duty payable is $0 regardless of the figure shown above.

Calculator · all 8 states & territories

Australian Stamp Duty Calculator

Transfer (stamp) duty for an owner-occupier buying an established residential property, across all 8 states and territories. Rates verified against each revenue office, sources shown with every result.

State or territory Property value / purchase price (AUD) The dutiable value, greater of price paid or market value e.g. $750,000 for a Brisbane unit, $1.2M for a Sydney house

I am an eligible first home buyer

Reverse, how much property can I afford with $X all-in?

Enter your total settlement budget (purchase price + stamp duty). We'll work out the maximum dutiable value that fits, using the state and first-home-buyer settings above.

Total settlement budget (AUD) Cash to settle, what you have for price plus duty combined e.g. $800,000 means you can pay up to $800k for property + duty together

Excludes conveyancing, mortgage registration, building inspection and other settlement fees, typically $1,500–$3,000 extra. Foreign-purchaser surcharges (if you aren't an AU citizen / PR) are also excluded.

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What this calculator doesn't include

Foreign purchaser surcharges: If you aren't an Australian citizen or permanent resident, most states add a surcharge on top of the standard duty. It's typically 7% to 9% of the property's dutiable value. The ACT and NT don't levy one. Your state revenue office will have the exact rate.
NSW premium duty: An extra step on the NSW scale applies once the property crosses a premium threshold ($3,870,000 for 2026-27, indexed by Sydney CPI each July). Above that threshold, NSW charges $7 for every $100 over on top of the standard amount.
Off-the-plan and pensioner concessions: Several states offer separate concessions for off-the-plan purchases, eligible pensioners, vacant land, or new builds. This tool models established-home rates only. Check your state's revenue office if any of those apply.
The ACT Home Buyer Concession Scheme: The ACT first-home scheme is income-tested, so we can't model it without knowing your household income. Revenue ACT publishes the current income thresholds and the eligibility test.
Registration and conveyancing fees: Mortgage registration and land-title transfer fees are charged separately from stamp duty (usually $150 to $300 each). Your conveyancer or solicitor's fees are also on top.

Frequently asked

Which states waive stamp duty for first home buyers on existing homes?: NSW (≤$800k full, taper to $1m), VIC (≤$600k full, taper to $750k), TAS (≤$750k full), QLD (no duty ≤$700k, taper to $800k). WA applies a concessional first home owner rate. SA and NT give no established-home duty concession. ACT uses the income-tested Home Buyer Concession Scheme.
Is this the price including or excluding the home?: Duty is on the dutiable value, the greater of price paid or market value of the property as a whole.
Does QLD have a special concession for new homes?: Yes. From 1 May 2025, eligible Queensland first home buyers signing a contract for a brand-new home or substantially renovated property get a full transfer duty exemption with no value cap (Queensland Revenue Office: First home (new home) concession). This calculator models the established-home first home concession only, the $710,000–$800,000 deduction taper. If you're buying a new build in QLD as a first home buyer, your duty payable is $0 regardless of the figure shown above.

Australian Stamp Duty Calculator

What this calculator doesn't include

Frequently asked

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