Property Purchase
Stamp Duty Calculator
Estimate stamp duty (transfer duty) for any Australian state or territory. First home buyer concessions automatically applied.
Property Details
First Home Buyer
Apply eligible concessions
Rates are indicative for 2024–25. Consult a conveyancer or our advisers for exact figures before settlement.
Stamp Duty Payable
$29,085
State: New South Wales
Full Duty (before concessions)
$29,085
Effective Rate
3.88%
FHB Savings
—
Estimated Purchase Costs
How Stamp Duty is Calculated in Australia
Stamp duty (officially called "transfer duty" in most states) is a state government tax on property purchases. Each state and territory has its own rate schedule, and amounts are calculated using a tiered (progressive) system — similar to income tax brackets.
First Home Buyer Concessions
Most states offer significant stamp duty savings for eligible first home buyers. Thresholds and concession amounts vary by state. In NSW, first home buyers pay zero stamp duty on properties up to $800,000. In VIC, the threshold is $600,000.
Other Costs to Budget For
Beyond stamp duty, property buyers should budget for conveyancing fees ($1,500–$3,000), building and pest inspections ($500–$800), lender fees, and moving costs. Our estimates above are illustrative — always get quotes from licensed professionals.