Your upfront duty, state by state, in seconds.
About 3.7% of the price — one of your biggest upfront costs.
Standard transfer duty — before any pensioner or off-the-plan concession.
Indicative only — not tax or credit advice. Confirm the exact figure with your state revenue office. Credit assistance by 1st Street Financial (Credit Representative 490057, under Australian Credit Licence 389328).
Stamp duty — officially transfer duty — is a state tax you pay when you buy a property. It works on a sliding scale: the more the property costs, the higher the rate. Every state sets its own, so the same home is taxed differently around the country. On a typical home it usually comes to 3% to 5% of the price — tens of thousands of dollars, due at settlement.
This calculator uses each state’s standard 2025-26 duty scale and includes the main first-home buyer concessions. It can’t see your full situation, though — it leaves out pensioner, off-the-plan, regional and foreign-buyer rules, and the rates change with most state budgets. So it gets you close. For the exact figure, ask a broker or your conveyancer.
It matters early because you pay it from your own savings, on top of the deposit, so it changes what you can afford. A broker works it out with your deposit, fees and borrowing power, so you know your real budget before you start looking.
It's a state tax on the price you pay, worked out on a sliding scale — the more the property costs, the higher the rate. Each state sets its own rates, so the same home is taxed differently from one state to the next. Pick your state and price above and you'll see an indicative figure straight away.
Often little or nothing, up to a threshold that varies by state — around $800,000 in NSW, $600,000 in Victoria, $700,000 in Queensland — then a concession that tapers off above it. Toggle to 'First home' above to see how it changes. The exact cut-off and eligibility rules are worth confirming, because they move often.
Close, but not to the dollar. The brackets are current, but we don't apply every concession — pensioner, off-the-plan and regional rates, or foreign-buyer surcharges — and states tend to adjust the rules at budget time. Use it to plan the deposit; get the exact number confirmed before you sign.
At settlement, usually a few months after you sign — as a lump sum, on top of your deposit. Most buyers pay it from their own savings rather than borrowing it, so set the money aside early. A shortfall on settlement day is not the surprise you want.
Sometimes, if you have enough equity or deposit to keep the loan within a lender's limits — but it lifts what you borrow and what you repay. A 1st Street broker (Credit Representative 490057, under Australian Credit Licence 389328) can show you whether that works for your situation and which lenders allow it.
A broker adds up the duty, the deposit and the fees, then matches it to what you can borrow, so the full cost is on the table before you commit.
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