Select Your State or Territory
Each Australian state and territory has its own stamp duty rates, first home buyer concessions, and calculation methods. Choose your state to get an instant estimate.
What Is Stamp Duty?
Stamp duty (also called transfer duty or land transfer duty) is a state-based tax on property purchases in Australia. It's usually one of the largest upfront costs when buying a home — often tens of thousands of dollars — and must be paid before the property transfers into your name.
Rates, thresholds, and concessions vary significantly between states. A first home buyer paying $650,000 for a home in Victoria pays $0 in stamp duty; the same buyer in the Northern Territory pays over $32,000.
How First Home Buyer Concessions Differ Across Australia
Most states offer substantial stamp duty concessions for first home buyers, but the rules differ:
- NSW: Full exemption up to $800,000, phase-out to $1,000,000
- VIC: Full exemption up to $600,000, phase-out to $750,000
- QLD: Full exemption up to ~$710k for existing homes; uncapped exemption for new homes (from May 2025)
- WA: Full exemption up to $500,000 (metro & Peel), $500k threshold with different tapers
- SA: Uncapped exemption for new homes only (no concession for established)
- TAS: Full exemption up to $750,000 for established homes (hard cliff)
- ACT: Home Buyer Concession Scheme up to $1,020,000 (income-tested)
- NT: No stamp duty concession, but HomeGrown Territory Grant of up to $50,000
Ready to Buy? Get a Local Broker
Once you've estimated your stamp duty, the next step is financing. A mortgage broker compares lenders across the market, maximizes your borrowing power, and helps you structure your loan around the upfront costs.