Stamp Duty Calculator
What Will You Actually Pay at Settlement?
Stamp duty is one of the biggest upfront costs in any property purchase, but the amount you pay depends on far more than just the price. Your state, whether you're a first home buyer, and whether the property is new or established can all change the number dramatically, sometimes by tens of thousands of dollars.
Whether you're comparing suburbs across state lines or simply trying to understand what might be due at settlement, the right figure depends on your specific situation. Use the calculator below to estimate your stamp duty, see how concessions affect your bottom line, and compare what the same purchase would cost you in a different state.
This tool estimates stamp duty (transfer duty / conveyance duty) on standard residential property purchases across all 8 Australian states and territories. It covers owner-occupier, investor, and first home buyer scenarios for established and new residential homes. It does not cover foreign buyer surcharges, off-the-plan concessions, family transfers, commercial property (except where noted), or other specialist scenarios. Rates are based on published 2025–26 schedules. Always verify with your state revenue office or conveyancer before settlement.
Your property
Please enter a valid purchase price.
Your estimated stamp duty
Estimated stamp duty – NSW
-
-
Standard rate (no concession)
-
Concession / saving
-
Effective rate
-
duty as % of purchase price
Purchase price
-
Stamp duty across a price range
How stamp duty changes for your selected state and buyer type across a –$250k to +$250k range around your purchase price. Dashed lines mark where key concession thresholds kick in.
Estimates only. Verify with your state revenue office.
State comparison – ranked by stamp duty
What you would pay in stamp duty on - across all states and territories, for your selected buyer type. Ranked from lowest to highest. Your selected state is highlighted.
Concessions & key rules – NSW
Want to talk through your options?
Every situation is different. A quick conversation can help you figure out which path makes the most sense for you.
Book a free 15‑minute call →This calculator provides general information only and does not constitute financial, legal, or tax advice. It is intended as a guide only and does not take into account your personal circumstances.
Stamp duty estimates are based on published 2025–26 rate schedules and may not reflect every concession, exemption, surcharge, or special case (including foreign buyer surcharges, off-the-plan concessions, family transfers, pensioner concessions, or commercial property variations). Actual duty payable is determined by the relevant state or territory revenue authority, not by this tool.
Before making any financial decisions, you should seek advice from a qualified and licensed professional, and verify your stamp duty liability with a licensed conveyancer, solicitor, or the relevant state revenue office.
Our Latest Insights
