Standard QLD duty on a $750k Brisbane property is $26,775. Owner-occupiers using the Home Concession pay $19,600 — saving $7,175 from the 1% rate on the first $350k. First home buyers pay $0 on any new home or vacant land.
Includes FHB concessions by home type, Home Concession for owner-occupiers, foreign buyer surcharge, and full upfront cost breakdown.
Optional — enter your savings to see if they cover all upfront costs.
Enter a purchase price and click Calculate to see stamp duty, concessions, and your full upfront cost estimate.
Stamp duty is calculated progressively — only the portion within each bracket is taxed at that rate. Rates sourced from Queensland Revenue Office.
| Purchase Price Range | Duty Calculation |
|---|---|
| $0 – $5,000 | Nil |
| $5,001 – $75,000 | $1.50 per $100 over $5,000 |
| $75,001 – $540,000 | $1,050 + $3.50 per $100 over $75,000 |
| $540,001 – $1,000,000 | $17,325 + $4.50 per $100 over $540,000 |
| $1,000,001+ | $38,025 + $5.75 per $100 over $1,000,000 |
Rates are indicative for 2024–25 and may change. Always verify the current schedule with Queensland Revenue Office before transacting.
All figures use QRO 2025–26 rates. Toggle the calculator above to recompute for your specific price.
Eligible FHB buying a newly built apartment — no price cap on the QLD new-home concession (from 1 May 2025). The same buyer purchasing an established home at the same price would pay $50,025 in standard duty.
Non-FHB owner-occupier buying their next family home in Carindale or Chermside. Home Concession applies: 1% on the first $350k ($3,500), then 3.5% to $540k ($6,650), then 4.5% to $750k ($9,450).
Investment property — no FHB concession, no Home Concession. Standard rates apply: $38,025 base at $1M + 5.75% on the $500k above ($28,750). Foreign investor adds 8% surcharge ($120,000) → $186,775 total upfront.
Queensland's transfer duty is calculated on the dutiable value — defined by Duties Act 2001 s11 as the higher of the consideration paid or the unencumbered market value of the property. For most Brisbane arm's-length residential purchases, dutiable value equals the contract price.
Worked example: An $850,000 Brisbane house purchased at arm's length has dutiable value = $850,000. Apply QRO brackets: $38,025 base at $1M? No — $850k is below the $1M bracket. Use $540k–$1M bracket: $17,325 + ($850k − $540k) × 4.5% = $17,325 + $13,950 = $31,275 standard duty. See full QRO transfer duty guide →
Queensland is the only Australian state that offers a meaningful stamp duty concession to non-first-home-buyer owner-occupiers. The Home Concession charges 1% on the first $350,000 of dutiable value, vs the standard 3.5% — saving up to $7,875.
| Bracket | Home Concession rate | Standard rate |
|---|---|---|
| $0 – $350,000 | 1.0% | 3.5% |
| $350,001 – $540,000 | 3.5% | 3.5% |
| $540,001 – $1,000,000 | 4.5% | 4.5% |
| $1,000,001+ | 5.75% | 5.75% |
If you breach the residency requirement (e.g., move out within 1 year or rent the property), you must notify QRO within 28 days and pay back the concession saving. The full standard rate then applies retrospectively.
Standard transfer duty, Home Concession (owner-occupier non-FHB), and FHB duty across common Brisbane price points. All figures use QRO 2025–26 rates. Use the calculator above for your exact price.
| Purchase price | Standard duty | Home Concession | FHB (existing) | FHB (new home) |
|---|---|---|---|---|
| $400,000 | $12,425 | $5,250 | $0 | $0 |
| $500,000 | $15,925 | $8,750 | $0 | $0 |
| $600,000 | $19,425 | $12,250 | $0 | $0 |
| $700,000 | $22,925 | $15,750 | $0 | $0 |
| $800,000 | $28,775 | $21,600 | $28,775 | $0 |
| $1,000,000 | $38,025 | $30,850 | $38,025 | $0 |
| $1,200,000 | $49,525 | $42,350 | $49,525 | $0 |
| $1,500,000 | $66,775 | $59,600 | $66,775 | $0 |
Standard = no concession. Home Concession = owner-occupier (non-FHB), saves $7,175 below the $540k bracket (1% vs 3.5% on first $350k). FHB (existing) = $0 up to $700k, then standard rate. FHB (new home) = $0 at any price under the post-1-May-2025 rules. Add ~$1,530 for title + mortgage registration and $1,200–$2,500 for conveyancing. Foreign buyers add 8% AFAD surcharge on the dutiable value.
How a $750,000 owner-occupier purchase compares across all six Australian states for both first home buyers and standard owner-occupiers. Queensland's Home Concession is unique in Australia.
| State | FHB (existing home) | Owner-occupier (non-FHB) | Key concession |
|---|---|---|---|
| QLD 🏆 | $0 | $19,600 | Home Concession (1% on first $350k) |
| NSW | $20,805 (concession) | $28,890 | FHBAS taper $800k–$1M |
| VIC | $19,750 (concession) | $40,070 | FHB taper $600k–$750k (highest non-FHB duty in AU) |
| WA | $11,115 (concession) | $29,251 | FHB exempt ≤ $500k, taper to $600k |
| SA | $36,330 (no FHB on existing) | $36,330 | FHB only applies to new homes (any price, from 13 Feb 2025) |
| ACT | $0 (income tested) | $0 (income tested) | HBCS exempts all buyers ≤ $1.02M (household income < $250k) |
All figures are illustrative for a $750,000 purchase using each state's 2025–26 rates. Verify with the respective state revenue office before transacting. Use Velofy's state-specific calculators (links below) for your exact price and circumstances.
→ Calculate your home loan repayments on a Brisbane purchase
Each state has different rates, thresholds, and first home buyer rules — select your state below.
For a $750,000 Brisbane property, standard QLD transfer duty is $26,775. Calculation: $0–$5k nil, $5k–$75k at 1.5% = $1,050, $75k–$540k at 3.5% = $16,275, $540k–$750k at 4.5% = $9,450, total $26,775. Owner-occupiers (non-FHB) using the Home Concession pay $19,600 — a $7,175 saving from the 1% rate on the first $350,000. First home buyers buying a new home or vacant land pay $0 at any price; FHBs buying existing homes pay $0 up to $700,000 (taper to $800,000). Verify with Queensland Revenue Office (QRO).
QLD has different FHB transfer duty rules depending on property type. For newly built homes and vacant land: $0 duty at any price (full concession, contracts from 1 May 2025 — no price cap). For existing (established) homes: $0 duty up to $700,000, with a sliding concession to $800,000 (contracts from 9 June 2024). This makes QLD the most generous FHB jurisdiction in Australia for new builds — a $1.2M new apartment in South Brisbane attracts $0 transfer duty for an eligible FHB.
The Home Concession is for owner-occupiers who are NOT first home buyers — for example, people who have previously owned property and are buying their next home to live in. It charges 1% on the first $350,000 of value (vs the standard 3.5%), saving up to $7,875 compared to the standard rate. Standard QLD rates apply for amounts above $350,000. The Home Concession is unique to Queensland — no other Australian state offers a non-FHB owner-occupier concession of this scale.
Dutiable value in Queensland is the consideration paid for the property or its unencumbered market value — whichever is higher (Duties Act 2001 s11). For most arm's-length residential purchases, dutiable value equals the contract price. The Queensland Revenue Office (QRO) applies progressive rates to this dutiable value: nil on the first $5,000, 1.5% on $5,001–$75,000, 3.5% on $75,001–$540,000, 4.5% on $540,001–$1,000,000, and 5.75% above $1,000,000. Concessions (FHB or Home) reduce duty but do not change the dutiable value itself.
Standard transfer duty on a $1,500,000 QLD investment property is $66,775. Calculation: $38,025 base at $1M + $28,750 (5.75% on $500,000 above $1M) = $66,775. Investment properties don't qualify for FHB or Home Concession — full standard rates apply. Foreign buyers add an 8% Additional Foreign Acquirer Duty surcharge of $120,000, taking total upfront duty to $186,775. Foreign owners also pay an annual surcharge land tax of 3% on the unimproved land value above $350,000.
Yes. Foreign persons pay an additional 8% Additional Foreign Acquirer Duty surcharge on top of standard transfer duty. On a $600,000 purchase: standard duty ~$20,025 plus $48,000 surcharge = ~$68,025 total. Foreign owners also pay an annual surcharge land tax of 3% on the unimproved land value above the $350,000 threshold (QRO, from July 2024) — that is roughly $9,000 per year on a $650,000 land value, recurring on top of standard land tax.
Yes — commercial property in QLD attracts transfer duty using the same progressive bracket schedule as residential property (nil to $5k, 1.5% to $75k, 3.5% to $540k, 4.5% to $1M, 5.75% above $1M). However, commercial buyers cannot access FHB exemptions or the Home Concession — those apply only to owner-occupied residences. Foreign acquirers of commercial property pay the same 8% surcharge as residential. Use the Velofy calculator with "Investment property" selected for commercial figures.
Transfer duty in QLD must be paid within 30 days of the dutiable transaction — usually settlement date. Your conveyancer or solicitor typically lodges and pays through the QRO online lodgement system as part of settlement. Late payment attracts Unpaid Tax Interest (UTI) at the prevailing rate plus a 30% penalty tax for missed payments under section 53 of the Taxation Administration Act 2001. FHB and Home Concession applicants must lodge the concession claim at the same time as duty payment.
QLD's FHB scheme is the most generous in Australia for new-home buyers — $0 duty at any price on new homes and vacant land (from 1 May 2025). For comparison: NSW caps FHB exemption at $800,000 (taper to $1M); VIC at $600,000 (taper to $750k); WA at $500,000 metro homes; SA matches QLD's new-build approach (full relief on new homes from 13 Feb 2025 but offers nothing on existing homes). ACT alone exempts all eligible owner-occupiers up to $1,020,000 regardless of FHB status (HBCS, income tested under $250k household).
Beyond transfer duty, typical QLD purchase costs include: title transfer registration (~$1,305 — QLD has the highest transfer registration fee in Australia), mortgage registration (~$224), conveyancing ($1,200–$2,500), building and pest inspection ($400–$700), and bank fees (~$800). For a $750,000 Brisbane home with Home Concession: $19,600 duty + ~$2,200 registration + ~$1,800 conveyancing + ~$600 inspection + ~$800 bank fees = ~$25,000 total upfront. Budget roughly 5–6% of purchase price.
Off-the-plan purchases in QLD do not have a specific stamp duty reduction (unlike VIC). However, eligible first home buyers purchasing off-the-plan automatically qualify for the "new home" FHB concession — $0 duty at any price for contracts from 1 May 2025. Non-FHB buyers of off-the-plan property pay standard duty on the contract price (or Home Concession rate if owner-occupying). Construction value is included in the dutiable value when the contract is for the completed property.