Free. All 8 states. First home buyer concessions included.
Rates last updated May 2026. Sourced from each state revenue office.
| Transfer duty | $32,779 |
| Mortgage registration fee | $169 |
| Transfer registration fee | $169 |
| Total upfront | $33,118 |
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Try DealVet free →Stamp duty (also called transfer duty) is a state tax on the transfer of property ownership. It is charged on the dutiable value of the property and varies by state.
The buyer pays stamp duty in every Australian state and territory. It is usually paid at or shortly after settlement.
Most states offer exemptions or concessions for first home buyers, depending on the purchase price and property type. Use the calculator above with the First Home Buyer toggle to see your specific amount.
NSW uses a marginal-rate scale from 1.25% up to 7% on the dutiable value. First home buyers up to $800K pay no duty; $800K–$1M attracts a partial concession.
Victoria uses a marginal-rate scale from 1.4% to 6.5%. First home buyers pay no duty up to $600K and a partial concession to $750K.
Stamp duty is usually payable within 30 days of settlement in most states (some require it at settlement). Off-the-plan purchases in NSW and VIC have extended deadlines.
For investment properties, stamp duty is not immediately tax-deductible but is added to the property's cost base, reducing future capital gains tax. For owner-occupied properties, it is not deductible at all.