Property · 2024/25 rates
Stamp duty calculator Australia
Estimate transfer duty in every Australian state and territory — with first home buyer concessions and the foreign buyer surcharge.
What next?
Run the mortgage repayment calculator to see what your repayments would look like, or compare buying vs renting with our rent vs buy calculator.
Frequently asked questions
How much is stamp duty in NSW on a $800,000 home?
Standard transfer duty on $800,000 in NSW is roughly $30,500. First home buyers pay $0 up to $800,000 and get a sliding concession up to $1,000,000 under the current scheme.
Do first home buyers pay stamp duty in Victoria?
First home buyers pay no duty up to $600,000 and receive a tapered concession between $600,000 and $750,000. Above $750,000 the standard duty applies.
Is stamp duty calculated on the contract price or valuation?
On the dutiable value, which is usually the greater of the contract price or the property's unencumbered market value at the contract date.
Does the foreign buyer surcharge apply to permanent residents?
No. Australian citizens and permanent residents are not subject to foreign purchaser additional duty in any state.
Can I add stamp duty to my home loan?
Most lenders won't lend against stamp duty directly — you generally need it in cash on top of your deposit. Some 95% LVR products effectively let you borrow more so you can cover it, but you'll pay LMI.
When is stamp duty payable?
Usually within 30 days of settlement (90 days in some states). Your conveyancer typically arranges payment as part of settlement.
About this calculator
Uses simplified 2024/25 transfer duty brackets from each state's revenue office. Final duty depends on contract date, dutiable value, and specific concessions (off-the-plan, pensioner, principal place of residence, regional). Always confirm with your conveyancer.