Australian Stamp Duty Calculator 2026
Calculate transfer duty (stamp duty) for property purchases in New South Wales, Victoria, and Queensland. Our calculators include first home buyer exemptions and concessions, owner-occupier rates, First Home Owner Grant eligibility, and foreign purchaser surcharges.
Select Your State
State Comparison at a Glance
| Feature | NSW | VIC | QLD |
|---|---|---|---|
| FHB Full Exemption | Up to $800,000 | Up to $600,000 | Up to $700,000* |
| FHB Concession Range | $800k - $1M | $600k - $750k | $700k - $800k* |
| First Home Owner Grant | $10,000 | $10,000 | $30,000 |
| FHOG Value Cap | $600,000 | $750,000 | Under $750,000 |
| Foreign Surcharge | 9% | 8% | 8% |
*QLD: New homes receive full exemption at any value from 1 May 2025
Understanding Stamp Duty
First Home Buyers
If you're buying your first home, you may qualify for significant duty exemptions or concessions. Each state has different thresholds based on property value, and you typically need to live in the property for 12 months.
Owner-Occupiers
Buying a home to live in (principal place of residence) may attract lower duty rates than investment properties. Victoria and Queensland offer specific concessions for owner-occupiers.
New vs Established
Queensland offers enhanced first home buyer concessions for new homes, with no value cap. The First Home Owner Grant is only available for new homes (not established properties) in all states.
Foreign Purchasers
Non-Australian citizens and temporary residents typically pay an additional surcharge of 8-9% on top of standard duty. Exemptions may apply for specific visa categories.
Official Sources
Frequently Asked Questions
What is stamp duty (transfer duty)?
Stamp duty, also called transfer duty, is a state government tax you pay when purchasing property in Australia. The amount depends on the property value, your circumstances (first home buyer, owner-occupier, or investor), and the state where the property is located.
Who pays stamp duty in Australia?
The buyer is responsible for paying stamp duty. It must be paid before settlement or within a specified period after settlement (varies by state). Your conveyancer or solicitor typically handles the payment as part of the settlement process.
Are first home buyers exempt from stamp duty?
First home buyers may be eligible for duty exemptions or concessions depending on the property value and state:
- NSW: Full exemption for properties up to $800,000, concessions up to $1 million
- VIC: Full exemption for properties up to $600,000, concessions up to $750,000
- QLD: Full exemption for new homes (any value) or established homes up to $700,000
What is the First Home Owner Grant (FHOG)?
The First Home Owner Grant is a one-time payment to help eligible first home buyers purchase or build a new home. The grant amount and eligibility criteria vary by state:
- NSW: $10,000 for new homes up to $600,000 ($750,000 for house and land)
- VIC: $10,000 for new homes up to $750,000
- QLD: $30,000 for new homes under $750,000
The grant is separate from stamp duty concessions and can be claimed in addition to them.
Do foreign buyers pay more stamp duty?
Yes, foreign purchasers pay an additional surcharge on residential property:
- NSW: 9% surcharge purchaser duty
- VIC: 8% foreign purchaser additional duty
- QLD: 8% additional foreign acquirer duty
This is in addition to the standard transfer duty.
When is stamp duty due?
The timing varies by state but is generally due at or shortly after settlement:
- NSW: Within 3 months of settlement (or contract date if earlier)
- VIC: Within 30 days of settlement
- QLD: Within 30 days of the liability date (usually contract date)
Your conveyancer typically arranges payment as part of settlement.