Estimate stamp duty (transfer duty) on Australian property purchases by state. Includes first home buyer concessions for NSW, VIC, QLD, WA and SA.
On a A$750,000 property in NSW, an owner-occupier pays approximately A$29,585 in stamp duty. First home buyers in NSW pay no stamp duty on properties up to A$800,000. VIC charges approximately A$41,250 on the same property, while QLD charges approximately A$33,750.
Stamp duty varies significantly between Australian states. The table below compares estimated stamp duty on a A$750,000 property for different buyer types.
| State | Owner Occupier | First Home Buyer | Investor |
|---|---|---|---|
| NSW | A$29,585 | A$0 (exempt up to $800K) | A$29,585 + surcharge if foreign |
| VIC | A$41,250 | Concession (exempt up to $600K) | A$41,250 |
| QLD | A$33,750 | Concession (exempt up to $550K) | A$33,750 |
| WA | A$30,000 | Reduced (varies) | A$30,000 |
| SA | A$30,000 | No stamp duty (abolished for FHB) | A$30,000 |
Estimates based on general rates. Foreign buyers may pay additional surcharges of 4–8% depending on state.
| Property Price | Stamp Duty (NSW) | Effective Rate | Total Cost |
|---|---|---|---|
| A$500,000 | A$17,835 | 3.57% | A$517,835 |
| A$650,000 | A$24,585 | 3.78% | A$674,585 |
| A$750,000 | A$29,585 | 3.94% | A$779,585 |
| A$1,000,000 | A$40,085 | 4.01% | A$1,040,085 |
| A$1,500,000 | A$67,585 | 4.51% | A$1,567,585 |
| A$2,000,000 | A$95,085 | 4.75% | A$2,095,085 |
| State | Full Exemption Threshold | Concession Up To | Notes |
|---|---|---|---|
| NSW | A$800,000 | A$1,000,000 | First Home Buyers Assistance Scheme |
| VIC | A$600,000 | A$750,000 | Plus $10,000 First Home Owner Grant for new homes |
| QLD | A$550,000 | A$700,000 | Plus $30,000 FHOG for new homes |
| WA | A$430,000 | A$530,000 | Plus $10,000 FHOG for new homes |
| SA | No threshold — abolished | All properties | SA abolished stamp duty for all FHBs (2023) |
Thresholds may vary. Always verify with your state revenue office for current eligibility criteria.
Stamp duty (officially called transfer duty) is a state government tax charged when you purchase property in Australia. Each state and territory sets its own rates and thresholds, which means the amount you pay can vary significantly depending on where you buy. Stamp duty is generally calculated as a percentage of the property's purchase price or market value (whichever is greater), with rates increasing progressively for higher-value properties.
Stamp duty is a significant upfront cost when buying a home — on a A$750,000 property in NSW, it adds nearly A$30,000 to your purchase costs. This is on top of your deposit, legal fees, inspections and other settlement costs. First home buyers receive significant concessions in most states, making it worth checking your eligibility before purchasing. Use our Australian Home Loan Calculator to factor in stamp duty when planning your total purchase budget.
If you're an owner-occupier buying a A$750,000 property in NSW, you'll pay approximately A$29,585 in stamp duty. However, if you're a first home buyer, you pay nothing — NSW exempts properties up to A$800,000 under the First Home Buyers Assistance Scheme. For a property at A$900,000, a first home buyer would pay a concessional rate significantly below the standard rate.
In NSW, stamp duty on a A$750,000 property for an owner-occupier is approximately A$29,585. First home buyers pay no stamp duty on properties up to A$800,000 and a concessional rate between A$800,000 and A$1,000,000 under the First Home Buyers Assistance Scheme.
Most Australian states offer stamp duty exemptions or concessions for first home buyers. NSW exempts properties up to A$800,000, VIC up to A$600,000, QLD up to A$550,000, and SA has abolished stamp duty entirely for first home buyers. Check your state's specific thresholds.
Yes. NSW offers the First Home Buyer Choice — an optional annual land tax instead of upfront stamp duty for eligible first home buyers. This can help with cashflow at purchase but may cost more over the long term depending on how long you hold the property.
Stamp duty is typically due within 30 days of settlement in most Australian states. Your conveyancer or solicitor will usually handle the payment from settlement funds on your behalf.
In VIC, stamp duty is calculated on a sliding scale. For a A$750,000 property, an owner-occupier pays approximately A$41,250. First home buyers are exempt on properties up to A$600,000 and receive concessions on properties valued up to A$750,000.
Some lenders may allow stamp duty to be capitalised (added) to the home loan, but this increases your total borrowing, requires a higher LVR assessment, and means you pay interest on the stamp duty amount for the life of the loan. It's generally better to pay stamp duty separately.
Stamp duty (transfer duty) is a one-off tax paid when you purchase a property. Land tax is an annual tax on the unimproved value of land you own (excluding your primary residence in most states). They are separate taxes — stamp duty is a purchase cost, land tax is an ongoing ownership cost primarily for investment properties.
Before budgeting for stamp duty, check if you qualify for first home buyer exemptions — you could save A$20,000–A$40,000 in NSW or VIC alone. Each state has different thresholds and eligibility criteria.
Stamp duty is a major upfront cost on top of your deposit. On a A$750,000 property, it can add A$29,000–A$41,000 depending on your state. Budget for this separately from your deposit.
NSW first home buyers can choose an annual property tax instead of upfront stamp duty. This helps with cashflow but may cost more over time — compare both options based on how long you plan to hold the property.
Foreign (non-resident) buyers pay additional stamp duty surcharges of 4–8% on top of standard rates in most Australian states. This can add A$30,000–A$60,000+ to the stamp duty bill on a A$750,000 property.
Some states offer stamp duty concessions for off-the-plan purchases, where duty is calculated on the land value only (not the total contract price). This can significantly reduce your stamp duty bill on new apartments.
Factor stamp duty into your total purchase cost, then use our Australian Home Loan Calculator to estimate monthly repayments on the remaining amount you need to borrow.