Stamp Duty Calculator
Calculate transfer duty for all Australian states and territories — including first home buyer concessions. Updated for 2024–25.
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Select your state or enter a postcode — stamp duty is calculated automatically for all 8 states and territories with 2024–25 rates.
What is stamp duty in Australia?
Stamp duty — officially called transfer duty or land transfer duty in most states — is a state and territory government tax levied on property transfers. It is one of the largest upfront costs when buying property in Australia, often $15,000–$50,000 on a median-priced home.
Unlike your deposit or mortgage, stamp duty cannot be added to your home loan. It must be paid in cash at settlement — typically within 30 days. This is why financial planners recommend budgeting for stamp duty separately when setting a savings goal for a property purchase.
How is stamp duty calculated?
Each state uses a progressive (tiered) rate structure, similar to income tax. You pay a lower percentage on the first portion of the purchase price and a higher rate on amounts above each threshold. The calculator above applies the 2024–25 rate tables for all eight states and territories.
First home buyer concessions — state by state
Most states offer substantial stamp duty savings for first home buyers. These concessions can save $20,000–$40,000 on a median-priced property:
Total upfront costs when buying property in Australia
Stamp duty is the largest but not the only upfront cost. Here's a realistic picture of all costs for a $750,000 property in NSW with a 20% deposit ($150,000):
For a full property affordability assessment including stamp duty, LMI, borrowing power and an AI-powered verdict, use HomeVerdict.