Stamp duty, transfer fees & registration fees calculator

Stamp duty, also known as land transfer duty, is a once-off tax paid upon purchasing a property. All states and territories in Australia set their own rates for stamp duty.
Use our calculator to calculate stamp duty on owner-occupied homes, as well as any first home buyer concessions that may apply. Additionally, see any relevant transfer fees or mortgage registration fees.
Currently, our calculator only services NSW, Queensland, and Victoria, but we are looking to increase our coverage.
Last updated March 2023
Your details
Different states have different definitions of foreign owners. Please see individual state calculators for more details.
Total cost
Stamp duty
Transfer fee
Mortgage registration fee
Foreign owner surcharge
This calculator is only for owner-occupied properties. If you are buying an investment property, your stamp duty rates may differ. For foreign owners, stamp duty includes any foreign owner additional duties; however, there may also be other fees not included.
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How is stamp duty calculated in Australia?

Every state in Australia has different stamp duty. Rates are generally determined on a sliding scale, based on the dutiable value. Dutiable value is generally taken to be the higher of the market value or the property purchase price.

Are there other mandatory upfront fees for buying a house?

Yes, every state has additional registration and transfer fees you may be required to pay. To see the rate cards for individual states, please refer to the relevant state-based page.

Are there first home buyer concessions for stamp duty?

Each state has its own set of rules as to whether there are concessional rates or exemptions for first home buyers.

NSW, Victoria, Queensland, Western Australia, and the Northern Territory all have concessional rates. The Australian Capital Territory has a home concession scheme, not limited to first home buyers.

South Australia and Tasmania do not have any concessional rates for first home buyers.

Do I have to pay a surcharge as a foreign owner?

Yes, most states charge a foreign owner duty surcharge, which is generally a percentage of the property value.

Each state also has different criteria for whether someone is a foreign owner or not. They also have different rules on purchasing property jointly with a non-foreign owner, and whether this surcharge still applies. Please check the rules in your state, as this can significantly impact your final cost.

Disclaimer: Important information about our calculators

The calculator on this website is provided for your information only and is to illustrate scenarios. The calculator results are intended as a guide only and are an estimate or approximate guide only, based on the information you input. The calculator should not be relied upon for the purposes of entering into any legal or financial commitments.

The results should not be taken as a substitute for professional advice, and do not constitute professional advice. You should consider seeking independent legal, financial, taxation or other advice for your unique circumstances.

All reasonable care has been taken in preparing and designing the calculator; however, OwnHome Services Pty Ltd provides no warranties and makes no representation that the information provided by the calculator is correct, appropriate for your particular circumstances, or indicates you should follow a particular course of action. Calculations are for buying owner-occupied homes, and do not apply to land nor to investment properties. Other fees and charges may also apply.

OwnHome Technologies Pty Ltd is a related body corporate of OwnHome Services Pty Ltd ACN 664 492 059, which is a corporate authorised representative (#547794) of Allied Financial Consulting Pty Ltd, ACL 393845.