Stamp duty is set by each state and territory, so what you pay depends on where you buy. Choose your state for a plain-English guide to rates, first home buyer concessions and grants, or use our calculator for a quick estimate.
First home buyers pay no duty on homes up to $600,000. Read the Victoria guide →
First home buyers pay no duty on homes up to $800,000. Read the NSW guide →
First home buyers pay no duty on a brand-new home, at any price. Read the Queensland guide →
First home buyers pay no duty on homes up to $600,000. Read the WA guide →
First home buyers pay no duty on a new home or land to build on, at any price. Read the SA guide →
Standard duty now applies, with a $20,000 grant for new homes. Read the Tasmania guide →
Eligible first home buyers pay no duty, at any price. Read the ACT guide →
Duty-free house-and-land packages and a $50,000 grant for new homes. Read the NT guide →
Stamp duty (also called transfer duty) is a one-off state tax paid by the buyer when property changes hands. It's worked out on the purchase price, or the market value if that's higher, and it's usually the biggest cost after your deposit.
Most states and territories offer some help for first home buyers, but the rules differ a lot. Some exempt homes up to a price limit, some only help with new homes, and the thresholds change regularly.
Your conveyancer or solicitor usually arranges payment at settlement, so you need the funds ready by then. We build duty and any concessions into your pre-approval plan from the start.
This information is general in nature and doesn't take into account your objectives, financial situation or needs. Duty rates, thresholds and eligibility are set by each state and territory revenue office and can change. Figures checked November 2026.
Wherever you're buying, we'll include stamp duty, fees and any concessions in your pre-approval plan.
