See The Real Upfront Cost Before You Commit
Estimate the stamp duty and government charges on your purchase in any Australian state. We factor in your buyer type and any first-home concessions or surcharges that apply.
Stryve Stamp Duty Calculator
Property Details
Total Government Charges
$17,263.40
Stamp duty plus mortgage registration and transfer fees: the full upfront government cost, not stamp duty alone.
Figures
Estimates only. Concession and grant require an owner-occupier first home buyer.
Worked example
For example, an owner-occupier buying an established $500,000 home in New South Wales pays around $16,912 in stamp duty, plus mortgage registration and transfer fees, for a total upfront government cost of $17,263 (before any first home buyer concession). Enter your own state and price above for your figure.
Stamp duty by state
Stamp duty rates, first home buyer concessions and government fees are set separately by each state and territory. Pick yours for the current rate table and rules.
Want to know what this means for your budget?
Stamp duty is usually the biggest upfront cost after your deposit, and the one that catches buyers out. We'll show you how it fits your full picture.
How Stamp Duty Is Calculated
Stamp duty (transfer duty) is a state government tax on property purchases, and it's usually the largest single upfront cost after your deposit. Each state and territory sets its own tiered rate schedule that increases with the property's value, then adds mortgage registration and transfer fees on top. What you pay also depends on whether you're an owner-occupier or investor, a first home buyer, and whether you're a foreign purchaser. The calculator above uses your selected state's current rates to work out your total upfront government cost, not stamp duty alone. Because duty comes straight out of your savings before anything reaches the deposit, it directly shapes your property budget - see how much you can afford once duty and fees are taken out.
First home buyer concessions
Most states offer eligible first home buyers a full exemption below a set price threshold and a tapered concession above it, sometimes alongside a grant for new builds. Thresholds, eligibility rules and whether established homes qualify all vary by state and change with each state budget - switch the first home buyer toggle to Yes above to apply any concession you qualify for.
Stamp duty for investment properties
Investors pay duty at the same standard rate as owner-occupiers in most states - there's no investor surcharge on the duty itself, but first home concessions don't apply either. Stamp duty isn't deductible upfront, even for investors; it typically forms part of your property's cost base, reducing the capital gains tax payable when you eventually sell.
Foreign purchaser surcharge
Most states add a foreign purchaser duty surcharge of around 7-9% of the property's value on top of standard duty, which can add tens of thousands to a purchase (Tasmania charges a lower 3%, and the ACT and NT currently levy no surcharge). Foreign buyers also generally need Foreign Investment Review Board (FIRB) approval before purchasing residential property in Australia.
