Stamp Duty Calculator
Estimate transfer (stamp) duty on an Australian home purchase, including first home concessions, foreign purchaser surcharge and registration fees.
Your results
Calculation breakdown
- Marginal duty scale
- Duty = bracket base + (dutiable value − bracket start) × bracket rate
- First home treatment
- No first home concession applied.
- Total government cost
- Duty after concession + foreign surcharge + transfer and registration fees
Assumptions
- 2026–27 · Source: Revenue NSW · Last verified 2026-06-26
- Official source: https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty
- Duty is calculated on the dutiable value, which is normally the higher of the price paid and the market value.
- Partial first home concessions are modelled as a straight-line taper across the concession band; the revenue office formula is authoritative.
- Eligibility conditions, including residence requirements and prior property ownership, are not assessed here.
How this calculator works
Transfer duty (still widely called stamp duty) is charged by each state and territory on the dutiable value of a property, which is usually the higher of the price you pay and the market value. Duty is worked out on a marginal scale: each bracket has a fixed base amount plus a rate applied to the value above the bracket's starting point, so duty rises faster than the price does. First home buyers may pay no duty below one threshold and reduced duty across a concession band above it, and foreign purchasers usually pay an additional surcharge on top. CalcAussie bundles the officially verified Revenue NSW 2026–27 scale; for other states and territories the calculator asks you to enter the duty figure from your revenue office rather than guessing, because those scales and first home thresholds change on state budget cycles.
Rates sourced from the Australian Taxation Office for the 2026–27 financial year. Last reviewed 14/08/2026.
Frequently asked questions
Is stamp duty the same in every state?
No. Every state and territory sets its own duty scale, thresholds, first home concessions and surcharges, and they change at different times of the year. Always confirm the final figure with the revenue office for the state the property is in.
Can stamp duty be added to my home loan?
Duty is payable at or shortly after settlement and generally cannot be borrowed as part of the purchase price, because lenders lend against the property value. Most buyers need duty in cash on top of their deposit, which is why it belongs in your upfront cost budget.
Do first home buyers always pay no duty?
No. Concessions apply only up to set property values and come with eligibility conditions such as not having owned property before and living in the home for a minimum period. Above the concession band, first home buyers pay the full scale.
Results are estimates only and are not financial, tax, legal or credit advice.
Rates and thresholds are configured for the 2026–27 Australian financial year and should be reviewed when government settings change.