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Stamp Duty Calculator

Estimate stamp duty and the government fees on a property purchase in your state, such as mortgage and transfer registration. Results are illustrative and based on the figures you enter, not financial or legal advice, a quote or an approval. Concessions and surcharges depend on your circumstances, so when you're ready, tell Christian your figures and he'll talk you through your options.

Using the stamp duty calculator

  1. Choose the state or territory and enter the purchase price.

  2. Say whether you will live in the property or invest, and whether it is a new home, an established home or vacant land.

  3. Tick any concessions that may apply, such as a home buyer concession, or mark a foreign buyer purchase.

  4. The calculator shows the estimated stamp duty, transfer fee and mortgage registration fee.

What it doesn’t include

  • Conveyancing or legal fees, building and pest inspections, and moving costs.

  • Lender fees and lenders mortgage insurance (LMI).

  • Council and water rates adjustments at settlement.

  • Whether you meet the conditions for a concession; check eligibility with the state revenue office.

Questions people ask

Do first home buyers pay stamp duty?

Most states and territories offer first home buyer exemptions or concessions, usually up to a price threshold and subject to conditions such as living in the property. The rules and thresholds differ by state and change from time to time, so check them before you rely on a figure.

When is stamp duty paid?

The due date depends on the state or territory and the transaction. It can fall before settlement. Ask your conveyancer or solicitor to confirm the deadline and current revenue-office requirements early.

Can stamp duty be added to the home loan?

Some lenders allow it, within their loan-to-value limits. Adding it increases the loan, the interest you pay and possibly the LMI, so it is worth comparing the options first.

What other upfront costs should I plan for?

Allow for legal and conveyancing fees, inspections, lender fees, any LMI, insurance and moving costs, on top of your deposit and government fees.

Related: First home buyers · Borrowing capacity calculator · Home loan repayments calculator · All calculators

General information only. It does not take your objectives, financial situation or needs into account.

READY TO DISCUSS YOUR RESULTS?

Calculator figures are a guide, not a credit assessment. Tell us what you're planning and we'll help you understand what the numbers mean for your circumstances.

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