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 estimate stamp duty on owner-occupied homes in every state and territory, as well as any first home buyer concessions that may apply. It also shows the transfer fee and mortgage registration fee.

Last updated 27 September 2026. Uses 2026-27 stamp duty rates and government fees.
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Different states have different definitions of foreign owners. Please see individual state calculators for more details.
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Total cost
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Stamp duty
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Transfer fee
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Mortgage registration fee
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Foreign owner surcharge
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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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FAQs

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 and territory has its own rules.

NSW, Victoria, Queensland and Western Australia have stamp duty exemptions or concessions for first home buyers. South Australia offers full relief for first home buyers of new homes. The ACT's Home Buyer Concession Scheme means eligible buyers pay no duty, and it is not limited to first home buyers.

Tasmania and the Northern Territory do not currently have a first home buyer stamp duty concession.

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 results are an estimate only, based on the information you enter, and should not be relied upon for the purposes of entering into any legal or financial commitments.

The results are not a substitute for professional advice. You should consider seeking independent legal, financial, taxation or other advice for your circumstances.

All reasonable care has been taken in preparing and designing the calculator; however, OwnHome Finance Pty Ltd ACN 673 239 604, Australian Credit Licence 555197, 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 or investment properties. Other fees and charges may also apply. Rates and fees were last checked against state government sources in September 2026.