Australian Stamp Duty Calculator (2025–2026)
Calculate property transfer duty and first home buyer exemptions across all Australian states and territories.
New South Wales Stamp Duty
First home buyer exemption up to $800k. Concessions up to $1,000,000.
Calculate NSW Duty → VICVictoria Stamp Duty
Full exemption up to $600,000. Concessional rates up to $750,000.
Calculate VIC Duty → QLDQueensland Transfer Duty
First home exemption up to $700,000. Low principal place of residence rates.
Calculate QLD Duty → WAWestern Australia Duty
First home buyer rate relief up to $450,000 with partial concessions to $600k.
Calculate WA Duty →How State Transfer Duty Affects Your Borrowing Capacity
When purchasing residential real estate, stamp duty is an upfront out-of-pocket acquisition cost payable at settlement. Ensuring you calculate duty before finalizing mortgage loan structures prevents funding shortfalls.
Calculate Your Exact Net Salary & Borrowing Base
Verify how your after-tax income supports your target property mortgage.
Frequently Asked Questions
Official Australian tax, superannuation, and take-home pay guidance grounded in current ATO rulings.
What is stamp duty (transfer duty) in Australia?
Stamp duty (or transfer duty) is a mandatory state and territory tax levied on property purchases. The tax amount is calculated as a progressive percentage of the property's dutiable market value and varies by jurisdiction.
Do first home buyers get stamp duty exemptions?
Yes, most Australian states provide significant First Home Buyer (FHB) concessions or full exemptions. For example, NSW exempts new and existing homes up to $800,000, Victoria up to $600,000, and Queensland up to $700,000.