Buying costs
Stamp duty calculator
Estimate transfer duty for a property purchase in your state or territory.
Government cost estimate
Estimate transfer duty before you rely on the budget.
Choose a state and property value for a planning estimate. Add a manual concession if you already know one may apply.
Short explanation
Understanding stamp duty
Stamp duty can materially change the cash needed to buy. Treat any online result as a planning estimate until the exact state rules, buyer status, contract details, and concessions are confirmed.
What stamp duty is
Stamp duty, often called transfer duty, is a state or territory government charge that can apply when property changes ownership.
It is usually based on the property value or purchase price, but the exact rule set depends on the state or territory and the buyer circumstances.
Why stamp duty varies by state
Each state and territory sets its own thresholds, rates, registration fees, concessions, and surcharge rules. A property with the same price can have a different duty estimate in a different state.
That is why a calculator should be used for planning, not as the final settlement figure.
Concessions and exemptions
First-home buyers, owner-occupiers, pensioners, off-the-plan buyers, or certain property types may be treated differently depending on the state rules in force at the contract date.
This calculator lets you enter a known concession adjustment manually so you can see the planning impact without pretending every eligibility rule has been checked.
Want the full explanation? Read: Upfront buying costs calculator
Estimate basisHow this stamp duty estimate works
Stamp duty is state-based, so this calculator should be treated as a planning tool until the relevant revenue office or conveyancer confirms the exact figure.
- The calculator uses the selected state or territory, property value, and any manually entered concession adjustment.
- It estimates transfer duty and registration charges from emoney's shared stamp duty helper.
- It does not confirm concessions, exemptions, surcharges, foreign buyer rules, contract-date rules, or legal settlement adjustments.
- Exact figures should be confirmed with the relevant state revenue office and conveyancer before signing or settlement.
Frequently asked questions
Stamp duty calculator FAQ
Is this stamp duty calculator exact?
No. It is a planning estimate. Exact duty depends on state rules, property use, contract date, buyer status, concessions, surcharges, and other details that should be checked with the relevant state revenue office or conveyancer.
Do first-home buyer concessions apply automatically?
No. Eligibility depends on state rules and your circumstances. Add a known concession manually only after checking that it may apply.
Is stamp duty included in my loan?
Usually buyers need enough funds for duty and other upfront costs, although the overall loan structure depends on deposit, LVR, lender policy, and approval.
When do I pay stamp duty?
Timing varies by state and transaction. Your conveyancer or solicitor should confirm the due date for your contract.
Why should I speak to a broker about stamp duty?
Duty affects cash needed, deposit, LVR, and potentially lender choice. A broker can include it in the full purchase budget.
Before you rely on the duty estimate
A calculator gives you a starting number.
Confirm the exact cash needed before you make the next move.
Treat the duty estimate as a planning figure. State rules, concessions, legal and inspection costs, lender fees and cash left after settlement still need to be checked.
- Check state rulesDuty is state-based and can depend on value, buyer status, property use, and contract details.
- Confirm concessionsFirst-home concessions, grants, foreign buyer rules, and exemptions need exact eligibility checks.
- Build the full budgetDuty is only one part of the upfront cash requirement. Add deposit, legal costs, checks, and lender fees.
This calculator provides a general estimate only. It is not legal, tax, credit, or conveyancing advice. Transfer duty, concessions, surcharges, grants, property use, contract dates, and government charges can change. Confirm exact figures with the relevant state revenue office and your conveyancer before signing or settling.