Australian Stamp Duty Calculator

Last updated: May 2026. Reflects current Australian metrics.

Accurately calculate your state government stamp duty, mortgage registration fees, and transfer fees. Discover First Home Buyer concessions and Foreign Investor Surcharges across all 8 Australian states and territories.

Property Details

$

Total Government Fees

Required upfront at settlement

$0
Stamp Duty (Transfer Duty) $0
Transfer Fee $0
Mortgage Registration Fee $0

How to Use This Calculator

  1. Select your state: Stamp duty is regulated by state authorities (e.g., Revenue NSW, SRO Victoria), and rates vary significantly across the country.
  2. Enter property value: This should be the purchase price of the property or the market value, whichever is higher.
  3. Select buyer type: First Home Buyers often receive massive concessions (sometimes paying $0 duty). Foreign buyers face an additional surcharge.

Understanding Stamp Duty in Australia

Stamp duty (often referred to officially as Transfer Duty) is a tax levied by state and territory governments on the transfer of property. It is one of the most significant upfront costs when buying real estate in Australia and must be paid at settlement or shortly after.

State Revenue Offices (OSR / SRO)

Because it is a state-based tax, there is no flat rate across Australia. The Office of State Revenue (OSR) in NSW and QLD, and the State Revenue Office (SRO) in Victoria all maintain different tax brackets. Generally, the more expensive the property, the higher the percentage of tax applied.

First Home Buyer Concessions

To assist Australians in entering the property market, state governments offer First Home Buyer concessions. For instance, in NSW, First Home Buyers currently pay no stamp duty on homes up to $800,000, with a sliding scale concession up to $1,000,000. Victoria has similar schemes up to $600,000. These concessions are separate from the First Home Owner Grant (FHOG), which provides a cash lump sum for building new homes.

Foreign Investor Surcharge

To cool local markets and ensure housing availability for Australian residents, most states impose a Foreign Purchaser Additional Duty. In NSW and Victoria, this surcharge is typically 8% of the property value, charged on top of standard stamp duty.

Related Calculators

Mortgage Calculator Borrowing Power Stamp Duty

For more information on purchasing property, visit ASIC MoneySmart Home Loans.

10 Frequently Asked Questions

1. What is the current RBA cash rate?
As of 2026, the RBA cash rate influences all variable home loans. Check the official RBA website for the exact daily rate, but currently, variable rates sit around the low 6% mark.
2. How does the 3% serviceability buffer work?
APRA mandates that banks assess your ability to repay a loan at an interest rate 3% higher than the rate you are applying for. This ensures you can handle future rate hikes.
3. What is Lenders Mortgage Insurance (LMI)?
LMI is insurance that protects the lender if you default. It is usually required if your deposit is less than 20% of the property's value (LVR > 80%).
4. Should I choose a fixed or variable rate?
A variable rate offers flexibility (like offset accounts), while a fixed rate provides repayment certainty for a set period (usually 1-5 years).
5. What is a Comparison Rate?
Required by Australian law, the comparison rate rolls the interest rate and most fees into a single percentage to show the true cost of a loan.
6. What is an offset account?
An offset account is a savings account linked to your loan. Its balance is subtracted from your loan principal before interest is calculated, saving you money.
7. Can I make extra repayments?
Yes, most variable loans allow unlimited extra repayments. Fixed loans usually cap extra repayments (e.g., $10k/year) and charge break fees if exceeded.
8. What is negative gearing?
Negative gearing is an Australian tax strategy where the costs of owning an investment property exceed its rental income, allowing you to deduct the loss from your taxable income.
9. What are stamp duty concessions?
Each Australian state offers stamp duty exemptions or concessions for First Home Buyers purchasing below a certain price threshold.
10. How is interest calculated?
In Australia, home loan interest is generally calculated daily on your outstanding balance and charged monthly.