Stamp Duty Calculator

Each Australian state and territory sets its own stamp duty schedule using tiered rates that increase with property price. NSW and Victoria have the highest absolute rates at the upper end — stamp duty on an $850,000 NSW property without exemptions exceeds $33,000. The calculator applies the correct schedule for your state plus any first home buyer concession, pensioner concession, off-the-plan duty deferral, or foreign buyer surcharge that applies to your situation.

Most states offer significant first home buyer relief. In NSW the First Home Buyer Assistance Scheme exempts duty on new or existing homes up to $800,000 and provides concessional rates up to $1,000,000. Victoria, Queensland, and other states have their own thresholds and concession bands. Eligibility usually requires you to be a first home buyer, an Australian citizen or permanent resident, and to occupy the home within 12 months for at least 6 continuous months.

Foreign buyers pay additional surcharges on top of standard duty in most states — typically 7-8% of the property value, doubling the upfront tax cost. Investor purchases by Australian residents are taxed at the standard rate, with no first home concession available. Off-the-plan purchases in some states attract reduced duty calculated on the land value at contract date rather than the completed property value, which can save tens of thousands.