What stamp duty will you pay? Stamp Duty Calculator

Find out what stamp duty you are likely to pay on your new home, with our Canstar Stamp Duty Calculator.

Stamp duty is a government tax charged when you have to process certain purchase transactions such as buying real estate, and is also known as transfer duty. Stamp duty is imposed by State and Territory governments and therefore varies from state to state. It can be charged at a flat rate or it can be based on the value of the property.

The Canstar Stamp Duty Calculator makes it easy to work out what stamp duty you would pay on an existing dwelling.

How we made our calculations

The calculations we’ve made are based on inputting the following data into our calculator, except where we have specified otherwise.

  • Property Value: $400,000
  • Property Type: Primary Residence
  • State/Territory: We have compared the results for different states and territories (see below).
  • First Home Buyer: We have compared the results for first home buyers vs. other buyers (see below).

According to Canstar’s comprehensive research database, the majority of Australians (60%) are looking for a loan amount of between $350,000 and $749,000 – so we’ve based our home loan calculations for this article on a loan of $400,000. You can enter the specific loan amount you are looking for in our home loan calculators or when using our comparison tables to compare home loans.

Disclaimer

All data is up-to-date at the time of writing, to the best of our knowledge, but you should not rely on this information alone when deciding whether or not you can afford to purchase a property in a certain state or territory. You should consult your local Revenue Office for details and seek professional financial advice before making any major financial decisions.

State vs. State

You can calculate what the stamp duty would be on a property in different states using our Stamp Duty Calculator.

We have calculated the stamp duty that would apply in different states or territories for a primary residence costing $400,000 for a next home buyer. The calculator also compares the mortgage registration fee and transfer fee included within that stamp duty charge.

State Stamp Duty Mortgage Registration Fee Transfer Fee
Queensland $6,292 $169 $873
New South Wales $13,819 $110 $219
Victoria $17,607 $114 $1,123
Australian Capital Territory $10,982 $130 $252
South Australia $19,462 $155 $2,977
Western Australia $13,413 $164 $234
Northern Territory $16,798 $142 $142
Tasmania $14,324 $129 $198
Source: Canstar Stamp Duty Calculator

As you can see, the most affordable places to pay stamp duty on your next home or investment property – at the time of writing – are Queensland and the ACT.

Of course, there’s much more to buying a new house than just picking the state with the cheapest stamp duty. That’s why here at Canstar, we compare home loans, compare home and contents insurance, and provide research and market insights for the property industry.

First Home Buyers

You can calculate what the stamp duty would be on your first home, compared to how much you would pay later for your next home or investment property.

In our calculator, the transfer duty concession for first home owners is available for the purchase of vacant land, provided a place of residence is constructed. The stamp duty will be determined by the value of the land.

We have calculated the stamp duty that would apply for a first home buyer in different states or territories for a primary residence costing $400,000.

State First Home Buyer Next Home Buyer Investment Property

Buyer

Queensland $1,042 $6,292 $6,292
New South Wales $13,819 $13,819 $13,819
Victoria $9,422 $17,607 $17,607
Australian Capital Territory $10,982 $10,982 $10,982
South Australia $19,462 $19,462 $19,462
Western Australia $13,413 $13,413 $13,413
Northern Territory $16,798 $16,798 $16,798
Tasmania $14,324 $14,324 $14,324
Source: https://www.canstar.com.au/calculators/stamp-duty-calculator/

If you are a first home buyer, you may be eligible for the Federal Government First Home Owner Scheme (FHOS) or stamp duty concessions. Read more about first home buyer grants available in Australia on our website, or contact your State or Territorial Revenue Office to find out if you qualify:

Different rates of duties and fees may apply for purchasing vacant land on which to build your first home or next home; contact the Office of State Revenue in your state or territory for the most up-to-date rates.

Primary Residence vs. Investment Property

How is stamp duty different when you’re buying your next home versus buying an investment property? We used the calculator to take a look at the result for a $400,000 property in different states.

State Primary Residence Investment Property
Queensland $6,292 $13,467
New South Wales $13,819 $13,819
Victoria $17,607 $20,307
Australian Capital Territory $10,982 $10,982
South Australia $19,462 $19,462
Western Australia $13,413 $13,413
Northern Territory $16,798 $16,798
Tasmania $14,324 $14,324

From the table, you might wonder whether NSW’s 2015 property boom was caused by having stamp duty the same price for investors as for home owners. But since the stamp duty is also the same for investors and home owners in the ACT, SA, WA, NT, and Tasmania, it’s clearly not the main factor at play.

Home loan calculators to help you work out your financial position

Use Canstar’s home loan calculators when you’re doing your sums about how much you can afford to borrow in a home loan:

Learn more about Home Loans

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