Australia Stamp Duty Calculator

In NSW, QLD, and WA, stamp duty (transfer duty) is a marginal (slice) tax: each portion of your purchase price is taxed at the rate for that band, similar to income tax brackets — not the whole price at the top rate. Victoria is the exception: it uses marginal bands up to $960,000, but above that it switches to a FLAT rate applied to the ENTIRE purchase price (5.5% up to $2,000,000, 6.5% above), not a marginal slice. This calculator applies each state's actual rule.

Yes, in all four states covered here — but the shape of the concession differs. Typically there's a full exemption up to a threshold price, then the rebate phases out LINEARLY down to $0 by a higher second threshold. Queensland goes further for NEW homes or vacant land purchased by a first home buyer: that concession is uncapped by price entirely, while an established home purchase uses the standard capped concession instead.

Victoria applies marginal (slice) duty bands only up to $960,000. Above that threshold, the ENTIRE purchase price is taxed at a single flat rate — 5.5% for properties up to $2,000,000, and 6.5% above that — rather than continuing as a marginal slice like NSW, QLD, and WA. This is a genuinely different mechanism, not just different rates, and can produce a noticeably different result than you'd expect from a purely marginal system.

Queensland offers an uncapped stamp duty exemption for first home buyers purchasing a NEW home or vacant land on which they'll build — regardless of the purchase price. This is more generous than the standard first-home concession for an established home, which phases out between roughly $710,000 and $800,000. Select "buying a new home or vacant land" in the calculator above to see this uncapped concession applied.

WA's First Home Owner Rate stamp duty concession phases out at a higher purchase price for regional properties than for properties in the Perth metro area — recognising that regional property prices and the metro market can move quite differently. Toggle the regional option in the calculator above if your property is outside the Perth metro area.

No — depending on your state and circumstances, you may also encounter mortgage registration fees, transfer registration fees, foreign buyer surcharges (if applicable), and, if you're borrowing more than 80% of the property value, Lenders Mortgage Insurance (which itself often attracts stamp duty on the premium in most states — see our LMI Calculator). First home buyers may also be eligible for the First Home Owner Grant on top of any stamp duty concession — see our First Home Buyer Calculator for the combined picture.