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Stamp Duty Calculator Australia — FY 2025-26

A stamp duty all states calculator Australia helps home buyers estimate the transfer duty payable when purchasing property in any Australian state or territory.

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Stamp duty on a $600,000 property varies significantly by state in 2025-26. For a standard (non-first-home) buyer: QLD approximately $13,433; NSW approximately $22,490; VIC approximately $31,070; SA approximately $20,660; WA approximately $18,850; ACT approximately $16,870. First home buyers in QLD pay $0, in NSW pay $0 up to $650,000, and in VIC pay $0 up to $600,000.
For most property price points, Queensland has among the lowest stamp duty rates in Australia. On a $600,000 property, a standard buyer pays approximately $13,433 in QLD compared to $22,490 in NSW and $31,070 in VIC. However, for first home buyers, ACT, QLD, and NSW all offer full exemptions at various thresholds.
First home buyers receive concessions or exemptions in all states, but thresholds vary. As of 2025-26: QLD — $0 on new homes (no cap), $0 on established homes under $550,000; NSW — $0 under $800,000; VIC — $0 under $600,000; SA — 15% discount under $530,000; WA — $0 under $430,000; ACT — concessional rates apply. Check each state's current thresholds as they change regularly.
Stamp duty itself cannot be added to most standard home loans — lenders typically require it to be paid from savings at settlement. However, some lenders will include stamp duty in the total loan amount if you have enough equity (i.e. the LVR remains acceptable).
4 min readLast updated: 2026-05-26

About the Stamp Duty Calculator Australia

A stamp duty all states calculator Australia helps home buyers estimate the transfer duty payable when purchasing property in any Australian state or territory. Stamp duty is one of the largest upfront costs in buying a home, and rates vary significantly between NSW, VIC, QLD, WA, SA, ACT, NT, and TAS. This tool provides instant comparisons across jurisdictions.

What is the Stamp Duty Calculator Australia?

This calculator estimates stamp duty, also known as transfer duty, for property purchases across all Australian states and territories. Each state imposes its own stamp duty rates using progressive scales based on the property value. For example, NSW charges from 1.25% for properties under $302,000 up to 5.5% for properties over $1,076,000. Victoria applies rates from 1.4% to 5.5%, while Queensland charges from 1% to 5.75%. The calculator accounts for state-specific thresholds, concession eligibility for first-home buyers, principal place of residence concessions, and foreign buyer surcharges. It also handles off-the-plan concessions available in some states and pensioner concessions. By selecting the state and entering the property value, you receive an instant stamp duty estimate. The tool also shows the total upfront purchase cost including stamp duty and any applicable concessions. Australian home buyers use this calculator extensively during the property search to ensure they budget for all purchase costs, not just the deposit.

How to Use This Calculator

  1. 1Select the state or territory: Choose from NSW, VIC, QLD, WA, SA, ACT, NT, or TAS for the correct rate schedule.
  2. 2Enter the property value: Input the purchase price of the property in Australian dollars.
  3. 3Select property type: Choose whether the property is residential, commercial, or vacant land.
  4. 4Select buyer type: Choose from owner-occupier, investor, first-home buyer, or foreign buyer.
  5. 5Enter concession eligibility: Indicate any applicable concessions such as first-home buyer or pensioner concessions.
  6. 6Review your stamp duty estimate: The calculator displays the stamp duty amount, any concessions applied, and the total purchase cost including stamp duty.

Worked Australian Example

Practical Example

Jessica is purchasing her first home in Kingston, ACT for $650,000. She selects ACT as the state, enters $650,000, selects owner-occupier and first-home buyer. In the ACT, stamp duty is calculated on a progressive scale with rates from 0.75% to 3.45% for residential properties. First-home buyers in the ACT receive a concessional rate and may be eligible for a grant. The calculator estimates standard stamp duty at approximately $16,870. With the first-home buyer concession, this is reduced to approximately $11,210, saving Jessica $5,660. She also sees that if she were buying in NSW just across the border, stamp duty on the same property would be approximately $22,880 with no first-home buyer concession at that price point. This comparison helps Jessica confirm that the ACT offers better upfront costs for her situation. She budgets the $11,210 into her purchase costs and proceeds with her home search in Kingston.

Common Stamp Duty Calculator Australia Questions

Stamp duty on a $600,000 property varies significantly by state in 2025-26. For a standard (non-first-home) buyer: QLD approximately $13,433; NSW approximately $22,490; VIC approximately $31,070; SA approximately $20,660; WA approximately $18,850; ACT approximately $16,870. First home buyers in QLD pay $0, in NSW pay $0 up to $650,000, and in VIC pay $0 up to $600,000.
For most property price points, Queensland has among the lowest stamp duty rates in Australia. On a $600,000 property, a standard buyer pays approximately $13,433 in QLD compared to $22,490 in NSW and $31,070 in VIC. However, for first home buyers, ACT, QLD, and NSW all offer full exemptions at various thresholds.
First home buyers receive concessions or exemptions in all states, but thresholds vary. As of 2025-26: QLD — $0 on new homes (no cap), $0 on established homes under $550,000; NSW — $0 under $800,000; VIC — $0 under $600,000; SA — 15% discount under $530,000; WA — $0 under $430,000; ACT — concessional rates apply. Check each state's current thresholds as they change regularly.
Stamp duty itself cannot be added to most standard home loans — lenders typically require it to be paid from savings at settlement. However, some lenders will include stamp duty in the total loan amount if you have enough equity (i.e. the LVR remains acceptable).

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Reviewed by

BizMetrixs Team

Australian Financial Specialists

This Stamp Duty Calculator Australia calculator provides estimates only. Results are based on ATO 2025-26 published rates and general calculation methods. Individual circumstances may vary. This tool is for informational and educational purposes only and does not constitute financial, tax, or legal advice. For personalised advice, consult a registered tax agent or financial adviser.