Each Australian state and territory sets its own stamp duty rates and concessions.
Pick your state for the full calculator with first home buyer logic, foreign surcharge, and registration fees — or compare side-by-side first.
Each state has its own bracket schedule, first home buyer rules, and foreign surcharge. Click your state for the full calculator with worked examples and 5+ FAQ items.
Premium rate kicks in above $3.72M · 9% foreign surcharge from Jan 2025
Owner-occupier rebate $130k–$550k · 8% foreign surcharge · 4% absentee land tax
Home Concession 1% on first $350k · first home buyers: no cap on new builds + vacant land
First home buyer thresholds lifted to $500k/$700k from March 2025 · 7% foreign surcharge
First home buyers: new homes + vacant land get full relief at ANY price (from Feb 2025)
Home Buyer Concession Scheme (HBCS): $0 for ALL eligible owner-occupiers ≤ $1.02M · No foreign surcharge
How much does a typical existing-home purchase cost in stamp duty? Figures below are standard owner-occupier rates for an Australian citizen buying an existing home — no first home buyer concession applied. First home buyers and ACT eligible owner-occupiers can pay significantly less (see state cards above).
| State / Territory | $500,000 purchase | $750,000 purchase | $1,000,000 purchase |
|---|---|---|---|
| NSW — New South Wales | $16,912 | $28,162 | $39,412 |
| VIC — Victoria | $21,970 | $40,070 | $55,070 |
| QLD — Queensland | $8,750 | $19,600 | $30,850 |
| WA — Western Australia | $17,765 | $29,741 | $42,616 |
| SA — South Australia | $21,330 | $35,080 | $48,830 |
| ACT — Australian Capital Territory | $0 | $0 | $0 |
How to read this: The lowest-duty cell in each column is highlighted. ACT charges $0 for owner-occupiers up to $1,020,000 under the Home Buyer Concession Scheme (income tested, household < $250,000). For first home buyer figures and new-home / vacant-land specific rules, open the state-specific calculator.
Six states, six thresholds. SA, QLD, ACT waive duty entirely for first home buyers on new builds. NSW, VIC, WA cap it at a price.
Existing homes: no relief.
SA calculator →Existing: $0 to $700k, taper to $800k.
QLD calculator →Income test < $250k household.
ACT calculator →Taper to $1M · vacant $0 to $350k.
NSW calculator →Taper to $750k.
VIC calculator →Linear taper to $700k.
WA calculator →Foreign persons (including most temporary visa holders) pay an additional surcharge of 7%–9% on top of standard transfer duty. Several states also impose an annual surcharge land tax on foreign owners — recurring every year, not just at purchase.
| State | Foreign buyer surcharge (upfront) | Annual surcharge land tax | On a $1M existing-home purchase |
|---|---|---|---|
| NSW | 9.0% (from 1 Jan 2025) | 5.0% of unimproved land value | ~$129,412 upfront |
| VIC | 8.0% | 4.0% (absentee owner) | ~$135,070 upfront |
| QLD | 8.0% | 3.0% above $350k land value | ~$110,850 upfront |
| WA | 7.0% | None | ~$112,616 upfront |
| SA | 7.0% | None | ~$118,830 upfront |
| ACT | 0% | None | ~$0 upfront |
ACT does not impose a foreign buyer surcharge — the only Australian jurisdiction without one. NSW lifted its surcharge from 8% to 9% on 1 January 2025; the annual surcharge land tax also rose from 4% to 5%.