Stamp Duty Calculator
Estimate how much stamp duty you'll pay when buying a property.
What will stamp duty cost, and where's it cheapest?
Stamp duty (also known as transfer duty) is one of the largest upfront costs of buying a property. The amount you pay depends on the property's value, where you're buying and whether you're eligible for any concessions, such as those available to some first home buyers.
This calculator estimates your stamp duty and lets you compare costs across every Australian state and territory to see how location can affect your buying budget.
This calculator includes
Frequently asked questions
What is stamp duty?
Stamp duty (also called transfer duty) is a state or territory government tax paid when purchasing property. The amount varies depending on where you buy, the property's value and your circumstances.
Does every state charge the same stamp duty?
No. Every state and territory has its own rates, thresholds and concession schemes. That's why the amount payable on the same property can vary significantly depending on where you buy.
Do first home buyers pay stamp duty?
Sometimes. Many states and territories offer concessions or exemptions for eligible first home buyers, although the rules differ depending on where you're purchasing and the property's value.
Can I borrow my stamp duty?
In most cases, stamp duty isn't added to your home loan. Buyers generally need to pay it from their own funds or available equity, which is why it's important to include it when planning your purchase. If eligible, you can fund stamp duty via a guarantor loan.
Are these figures exact?
No. This calculator provides indicative estimates only. Your final stamp duty will depend on your state or territory's legislation, your eligibility for concessions and the details of your purchase.
Do investors pay more stamp duty than owner-occupiers?
In most states the general scale is the same; the difference comes from concessions owner-occupiers and first-home buyers can access. Victoria, Queensland and the ACT do apply a different (higher) scale to investors at some prices - the tool reflects that when you switch buyer type.
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Talk it through with Scott
These figures are a guide, not a guarantee, and they're not legal, financial, tax or credit advice. Book a free discovery call and get real numbers for your situation.