ACT's Home Buyer Concession Scheme — all eligible owner-occupiers (not just first home buyers) pay $0 conveyance duty up to $1,020,000, income-tested. Most generous in Australia.
ACT Home Buyer Concession Scheme: all eligible owner-occupiers (FHB or not) pay $0 duty up to $1,020,000, income-tested (household income < $250,000). Investment properties attract higher rates.
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Stamp duty is calculated progressively — only the portion within each bracket is taxed at that rate. Rates sourced from ACT Revenue Office.
| Purchase Price Range | Duty Calculation |
|---|---|
| $0 – $200,000 | $0.60 per $100 (0.60%) |
| $200,001 – $300,000 | $1,200 + $2.20 per $100 over $200,000 |
| $300,001 – $500,000 | $3,400 + $3.40 per $100 over $300,000 |
| $500,001 – $750,000 | $10,200 + $4.32 per $100 over $500,000 |
| $750,001 – $1,000,000 | $21,000 + $5.90 per $100 over $750,000 |
| $1,000,001 – $1,455,000 | $35,750 + $6.40 per $100 over $1,000,000 |
| $1,455,001+ | $64,870 + $4.54 per $100 over $1,455,000 |
Rates are indicative for 2024–25 and may change. Always verify the current schedule with ACT Revenue Office before transacting.
Each state has different rates, thresholds, and first home buyer rules — select your state below.
Yes — the ACT Home Buyer Concession Scheme (HBCS) applies to all property types (existing, newly built, and vacant land), and importantly, it covers ALL eligible owner-occupiers — not just first home buyers. The threshold is $1,020,000 (indexed from 1 July 2025), with an income test (household income under $250,000 plus $4,600 per dependent). This is the most generous duty concession in Australia.
No — eligible owner-occupiers pay $0 conveyance duty up to $1,020,000 under the ACT Home Buyer Concession Scheme. Unlike other states, this is not limited to first home buyers — repeat buyers can also qualify, subject to an income test (household income under $250,000). You must be an Australian citizen or permanent resident and intend to occupy the property within 12 months.
Standard conveyance duty on an $800,000 ACT property is $28,680: $0–$200k at 0.6% ($1,200), $200k–$300k at 2.2% ($2,200), $300k–$500k at 3.4% ($6,800), $500k–$750k at 4.32% ($10,800), $750k–$800k at 5.9% ($2,950). Eligible owner-occupiers under the HBCS (including non-first-home buyers with income under $250,000) pay $0.
No — unlike NSW, VIC, QLD, WA, and SA, the ACT does not impose a foreign buyer duty surcharge. Foreign purchasers pay the same conveyance duty as Australian residents. However, foreign property owners in the ACT may be subject to additional land tax obligations.
Beyond conveyance duty, typical ACT purchase costs include: title transfer registration (~$480 — ACT has higher registration fees), mortgage registration (~$166), conveyancing ($1,200–$2,500), building and pest inspection ($400–$700), and bank fees (~$800). For eligible HBCS buyers under $1,020,000, total government costs are approximately $646 (registration fees only).