Instant stamp duty estimates for SMEs, property investors and home buyers across all 8 Australian states and territories — with first home buyer concessions and foreign buyer surcharges built in.
Select a state, enter a price, and click Calculate.
Transfer duty is a state-based tax on property purchases. Rules differ significantly across all 8 states and territories.
Like income tax, stamp duty uses tiered brackets. Each dollar of value falls into its tier and only that tier's rate applies. Higher-value properties attract higher marginal rates but only on the upper portion.
Every state runs its own stamp duty regime. QLD generally offers the lowest rates for mid-range properties; VIC and NSW can be significantly higher. Commercial and SMSF purchases follow different rules again.
First home buyers can save up to $30,000+ in most states. NSW now charges $0 on new homes for FHBs (uncapped). Investors and SMEs purchasing commercial property have no standard concessions but may have structuring options.
Stamp duty brackets, FHB concessions, foreign surcharges and mandatory land registration fees verified against official government sources.
| State | FHB — Established Home | FHB — New / Off-plan | Top Rate | Foreign Surcharge | Registration Fee |
|---|---|---|---|---|---|
| NSW | Exempt ≤ $800K · concession to $1M | $0 uncapped from May 2025 | 7% >$3.721M (2025-26) | 9% | $175.70 flat |
| VIC | Exempt ≤ $600K · concession to $750K | Exempt ≤ $600K · OTP concession to Apr '27 | 6.5% >$2M · 5.5% flat $960K–$2M | 8% | $101.50 + $2.34/$1K (cap $3,611) |
| QLD | Full rebate ≤ $700K · sliding to $800K | $0 uncapped | 5.75% >$1M | 8% | $224.32 flat |
| WA | Exempt ≤ $430K · concession to $530K | Exempt ≤ $430K · OTP to Jun '26 | 5.15% >$725K | 7% | $203.00 flat |
| SA | No exemption for established homes | $0 uncapped | 5.5% >$500K | 7% | $187.00 flat |
| TAS | 50% concession ≤ $600K | 50% concession ≤ $600K | 4.5% >$725K | — | $152.19 flat |
| ACT | Exempt ≤ $1.02M (income tested) | Exempt ≤ $1.02M | ~5% sliding | — | ~$160.00 flat |
| NT | Concession up to $18,601 | Concession up to $18,601 | 5.95% >$3M | — | $165.00 flat |
Disclaimer: This calculator provides general estimates based on published April 2026 stamp duty rates and is not financial, legal or tax advice. Actual duty payable may differ based on your specific circumstances, property type, contract date, eligibility for concessions and any legislative changes. ProBiz Finance Pty Ltd accepts no liability for reliance on these estimates. Always verify with your relevant State Revenue Office and seek advice from a qualified conveyancer, solicitor or financial adviser before transacting.
Melbourne's trusted SME finance broker. 10+ years experience across NAB, ANZ and private lending. We'll find the right loan for your situation.
Whether you're buying property, funding your business or planning your next investment, Pooja will help you understand your options and find the best loan structure for your needs.
Please fill out the form and press the submit button.
We will get back to you within 24 hours.
Please feel free to contact us. We’re super happy to talk to you.
Feel free to ask anything.