Calculate stamp duty for all Australian states. Covers property and vehicle purchases with first home buyer concessions and state-by-state comparison.
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Stamp Duty Calculator AU, Tax, Calculate stamp duty for all Australian states. Covers property and vehicle purchases with first home buyer concessions and state-by-state comparison., stamp duty Australia, property transfer tax AU, Australian land tax, home buyer stamp duty, calc, compute, tax, duty, levy
Stamp Duty Calculator AU
Calculate stamp duty for all Australian states. Covers property and vehicle purchases with first home buyer concessions and state-by-state comparison.
stamp duty Australia, property transfer tax AU, Australian land tax, home buyer stamp duty
Tax global
Stamp Duty Calculator AU, Tax, Calculate stamp duty for all Australian states. Covers property and vehicle purchases with first home buyer concessions and state-by-state comparison., stamp duty Australia, property transfer tax AU, Australian land tax, home buyer stamp duty, calc, compute, tax, duty, levy
Stamp Duty Calculator AU
Calculate stamp duty for all Australian states. Covers property and vehicle purchases with first home buyer concessions and state-by-state comparison.
750K
$
From state brackets
%
Transfer Duty
$28,162
28K
3.75%effective rate
New South Wales
$750,000
Property Value· 750K
$28,162
Stamp Duty· 28K
Property 96%
4% Duty
Effective Rate
3.75%
of property value
State
NSW
New South Wales
Total Cost
$778,162
Property + Duty
How Stamp Duty Works in Australia
Understanding transfer duty on property and vehicle purchases
Property Transfer Duty
Stamp duty on property is calculated using tiered brackets. Each portion of the property value is taxed at the rate for that bracket.
Property
$750K
NSW Duty
$28,162
Duty = base + (value − threshold) × rate
Vehicle Stamp Duty
Vehicle stamp duty is typically a flat percentage of the vehicle's market value. Some states use tiered rates for more expensive vehicles.
Vehicle
$40K
NSW Duty
$1,200
Duty = vehicle value × rate (3% in NSW)
State-by-State Stamp Duty Rates
Key differences across Australian states and territories
State
Top Rate
FHB Exemption
Foreign Surcharge
NSW
7.0%
≤$800K
9%
VIC
6.5%
≤$600K
8%
QLD
5.75%
≤$700K
8%
WA
5.15%
≤$500K
7%
SA
5.5%
None
7%
ACT
5.75%
≤$1.02M
None
TAS
4.5%
≤$750K
8%
NT
5.95%
Up to $18.6K off
None
First Home Buyer Concessions
Stamp duty exemptions and grants for first home buyers
NSW
Full exemption ≤$800K. Sliding scale $800K–$1M. Plus $10K FHOG for new homes ≤$600K.
VIC
Full exemption ≤$600K. Sliding scale $600K–$750K. Plus $10K FHOG for new homes ≤$750K.
QLD
Full exemption ≤$700K. Sliding scale $700K–$800K. Plus $15K FHOG for new homes ≤$750K.
WA
Full exemption ≤$500K. Sliding scale $500K–$700K. Plus $10K FHOG for new homes ≤$750K.
SA
No duty concession. $15K FHOG for new homes ≤$650K.
ACT
Full exemption ≤$1.02M. Must live in property 1 year. Home Buyer Concession Scheme.
TAS
Full exemption ≤$750K (until June 2026). Plus $10K FHOG for new homes.
NT
Up to $18,601 reduction. Plus $10K Territory Home Owner Discount for new homes ≤$650K.
Common Stamp Duty Mistakes
Avoid these costly errors when budgeting for stamp duty
Forgetting it's due at settlement
Stamp duty must be paid within 30–90 days of settlement (varies by state). Budget for it early — it's a significant upfront cost.
Using the wrong state's rates
Stamp duty is based on the state where the property is located, not where you live. Cross-border buyers must use the property's state rates.
Ignoring the dutiable value
Duty is calculated on the higher of the purchase price or the property's market value. A 'bargain' price doesn't always mean lower duty.
Missing first home buyer deadlines
Many concessions require you to move in within 12 months and live there for a set period. Missing these conditions can mean repaying the concession.
Frequently Asked Questions
Common questions about Australian stamp duty
Stamp duty (also called transfer duty) in Australia is calculated using a tiered bracket system, similar to income tax. Each portion of the property value is taxed at progressively higher rates. For example, in NSW the first $17,000 is taxed at 1.25%, the next $20,000 at 1.5%, and so on up to 7% for amounts above $3,721,000. Each state and territory has its own rate table.
It depends on the state and property value. Most states offer stamp duty exemptions or concessions for first home buyers. For example, NSW provides full exemption on properties up to $800,000, VIC up to $600,000, and QLD up to $700,000. Above these thresholds, sliding scale concessions may apply. South Australia is the only state with no stamp duty concession for first home buyers, though it offers a $15,000 First Home Owner Grant.
For a typical $750,000 property, the ACT and NT generally have the lowest stamp duty. The ACT offers generous first home buyer exemptions (up to $1,020,000). Tasmania also has relatively low rates with a top rate of 4.5% and full exemption for first home buyers up to $750,000. However, the 'cheapest' state depends on the property value and your buyer status — use the state comparison chart above to compare for your specific situation.
Stamp duty is typically due at or shortly after settlement. In NSW, it must be paid within 3 months of signing the contract. In VIC, it's due within 30 days of settlement. QLD requires payment within 30 days. Other states have similar timeframes. Late payment attracts interest and penalties, so it's important to have the funds ready before settlement.
Stamp duty is generally calculated on the higher of the purchase price or the property's unencumbered market value. This means even if you buy a property below market value (e.g., from a family member), the state revenue office may assess duty based on the higher market value. Off-the-plan purchases may receive concessions in some states, where duty is calculated only on the land value.
Vehicle stamp duty rates vary by state. In NSW, ACT, TAS, and NT, it's generally 3% of the vehicle's market value. VIC charges 2.6% up to $68,740 and 5.2% above that threshold. QLD charges 3% up to $100,000 and 5% above. WA charges 2.75%. SA uses graduated rates from 1% to 4%. Vehicle stamp duty is payable when you register or transfer the vehicle.
Yes, most Australian states impose an additional stamp duty surcharge on foreign buyers (non-citizens and non-permanent residents). NSW charges 9% on top of standard duty, VIC charges 8%, QLD charges 8%, WA charges 7%, SA charges 7%, and TAS charges 8%. The ACT and NT do not currently impose a foreign buyer surcharge. These surcharges apply only to residential property.
Generally, you cannot add stamp duty to your home loan — it must be paid upfront from your savings. Some lenders may allow you to borrow slightly more to cover stamp duty if you have sufficient equity or a larger deposit, but this would increase your loan amount and repayments. It's best to budget for stamp duty separately as part of your upfront purchase costs.
Stamp duty and transfer duty refer to the same tax — it's a state government tax on the transfer of property. The term 'stamp duty' is the traditional name (from when physical stamps were affixed to documents). Several states have officially renamed it to 'transfer duty' (e.g., NSW and QLD), but both terms are used interchangeably in practice.
Yes, additional exemptions or concessions may apply for: transfers between spouses or de facto partners, property transfers as part of a divorce settlement, transfers to charities or religious institutions, certain farm and primary production transfers, and off-the-plan apartment purchases (in some states). Eligibility criteria vary significantly between states.
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