Calculate transfer duty and government fees for any state
Enter your property details below
Total Government Costs
$0
NSWYou pay $0 stamp duty!
SA only offers stamp duty exemption for NEW homes.
Additional surcharge applies
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MoneyWiseCalc's Stamp Duty Calculator estimates the transfer duty (stamp duty) payable when you buy property in Australia. Because each state and territory sets its own rules, your estimate depends on your property value, location, and whether you qualify for concessions (such as first home buyer benefits) or pay additional surcharges (such as foreign purchaser duty). Use this stamp duty calculator to compare outcomes across NSW, VIC, QLD, WA, SA, TAS, ACT and NT.
We use the amount you enter as the dutiable value for the estimate. For most standard purchases, this is the contract price (or market value in some transfer scenarios).
Stamp duty rates differ across NSW, VIC, QLD, WA, SA, TAS, ACT and NT, so selecting the correct location is essential.
Different rules can apply depending on whether you're buying an established home, new home, or vacant land (and whether specific concessions are available). Your selection helps the calculator apply the right treatment for common scenarios.
If you toggle First Home Buyer, the calculator checks whether a concession/exemption may apply under your state's rules (based on your property value and property type). If you toggle Foreign Buyer, the calculator adds the relevant foreign purchaser surcharge (where applicable).
Most jurisdictions apply tiered rates (progressive bands). That means different portions of your property value are taxed at different rates — similar to income tax brackets — which is why stamp duty isn't always a simple flat percentage.
If enabled, we also estimate common government fees paid at settlement (such as transfer registration fees and mortgage registration fees). We then show:
Quick guide to different buyer situations
If you're eligible, your state may offer a concession or exemption, which can reduce stamp duty (sometimes to $0). Toggle First Home Buyer to estimate the benefit.
Investors don't qualify for owner-occupier or first home concessions, so duty is typically higher. Ensure Owner Occupier is toggled off to see investor rates.
Rules can differ for land vs an established home, and some first home benefits apply differently. Select Vacant Land as property type to estimate correctly.
Most states apply an extra surcharge (7-9%) on top of standard duty. Toggle Foreign Buyer to include the surcharge in your estimate.
Sometimes — it depends on your state/territory, purchase price, property type, and whether you meet eligibility rules. Many states offer a full exemption or partial concession for eligible first home buyers, which can reduce stamp duty to $0 in some cases.
Use the calculator above and switch on First Home Buyer to see an estimate for your situation.
There isn't one national amount because each state has different thresholds and concessions. Your stamp duty can range from $0 to the standard rate depending on your price and eligibility.
Select your state and toggle First Home Buyer to calculate your estimate instantly.
A concession reduces the stamp duty payable if you satisfy conditions such as being a genuine first home buyer and living in the home as your principal place of residence.
Some concessions apply only to new homes or vacant land, and some have price caps. This calculator shows an estimate based on the details you select.
If you see $0, it usually means your details fall under a full exemption threshold for your state (subject to eligibility).
You should still confirm the final assessment with your conveyancer or the relevant state revenue office because extra criteria can apply.
Victoria uses tiered duty rules that depend on the property value and buyer situation (e.g., first home buyer, investor, foreign purchaser).
The quickest way is to choose VIC in this calculator, enter your price, and toggle the buyer options that apply.
NSW stamp duty (transfer duty) is calculated using progressive rate bands based on the property value, plus any surcharges and minus any eligible concessions.
Select NSW in the calculator and toggle First Home Buyer and/or Foreign Buyer to see your estimated stamp duty.
It depends on the state/territory and your buyer type (first home buyer, owner-occupier, investor, foreign purchaser).
Select your state, enter $500,000, and toggle your buyer details to calculate stamp duty for your scenario.
Stamp duty at $750,000 varies widely between states and can change significantly if a first home buyer concession applies.
Use the calculator, enter $750,000, and switch state/territory and buyer options to get an estimate.
At $1,000,000, stamp duty is typically substantial and can increase further if foreign buyer surcharges apply.
Enter $1,000,000, choose your state, and toggle buyer details to calculate your estimate and compare scenarios.
In most standard residential property purchases in Australia, the buyer pays stamp duty.
Sellers usually don't pay stamp duty when selling (though they may have other costs like agent fees or capital gains tax considerations).
Stamp duty is generally paid around settlement (timing varies by state/territory and transaction type).
Your conveyancer or lender will confirm the exact due date and payment process for your purchase.
Stamp duty is usually calculated using tiered rates (brackets) where different portions of the property value are taxed at different rates — it's not always a single flat percentage.
That's why two properties with different prices can have very different duty outcomes. This calculator applies the relevant rate bands for the state/territory you select.
Not always. "Stamp duty" generally refers to the duty/tax itself, but buyers often also pay separate government fees at settlement such as transfer registration fees and mortgage registration fees.
That's why MoneyWiseCalc shows Stamp Duty Total, Government Fees Total, and Total Government Costs (duty + fees) for a more complete budget picture.
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