Stamp duty is one of the largest upfront costs when buying property in Australia. Rates vary significantly by state, and first home buyer concessions can save you tens of thousands. Select your state below for a full breakdown.
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Open stamp duty calculator →The table below shows approximate stamp duty payable at common price points across all states and territories, based on March 2026 rates.
| State | $500k | $700k | $1M | FHB concession |
|---|---|---|---|---|
| NSW | $17,990 | $26,775 | $40,780 | Yes |
| VIC | $25,070 | $37,070 | $55,670 | Yes |
| QLD | $8,750 | $15,525 | $30,025 | Yes |
| WA | $15,390 | $24,225 | $36,725 | Yes |
| SA | $21,330 | $30,830 | $46,580 | No (FHOG only) |
| TAS | $16,685 | $25,560 | $39,560 | No (FHOG only) |
| ACT | $15,190 | $23,400 | $37,140 | Yes |
| NT | $18,143 | $26,960 | $39,460 | Yes |
Stamp duty (officially called transfer duty or conveyance duty in some states) is a state government tax charged when you purchase property. It is calculated as a percentage of the purchase price and must be paid at settlement — it cannot be added to your mortgage.
Each state and territory sets its own rates and thresholds, which is why stamp duty can differ by tens of thousands of dollars on the same property price depending on where you buy. Rates have not been significantly reformed in most states for decades, though the ACT is an exception — it is actively phasing out stamp duty and replacing it with an annual land tax.
Most Australian states offer stamp duty concessions or exemptions for first home buyers, subject to price thresholds and eligibility criteria. To qualify across all states you generally need to be an Australian citizen or permanent resident, never previously owned property in Australia, and intend to live in the property as your principal place of residence.
First home buyers in NSW pay zero stamp duty on new homes up to $800,000 and a scaled concession on new homes between $800,000 and $1,000,000. Established homes do not receive a stamp duty concession, but an annual property tax opt-in is available instead.
First home buyers in Victoria pay zero stamp duty on both new and established homes up to $600,000. A scaled concession applies from $600,000 to $750,000. This is one of the more generous FHB stamp duty schemes in Australia as it covers established homes.
Queensland first home buyers receive a full stamp duty concession on homes up to $700,000 and a scaled concession from $700,000 to $800,000. Combined with the $30,000 First Home Owner Grant for new homes, Queensland offers some of the best value for first home buyers in Australia.
Western Australian first home buyers receive a full stamp duty exemption on homes up to $530,000 and a scaled concession from $530,000 to $600,000. The $10,000 First Home Owner Grant applies to new homes only.
South Australia does not offer a stamp duty concession for first home buyers. However a $15,000 First Home Owner Grant is available for eligible new home purchases, which partially offsets the duty cost.
Tasmania does not offer a stamp duty concession for first home buyers. However Tasmania's $30,000 First Home Owner Grant is equal to Queensland's as the highest in Australia, and applies to new homes.
The ACT offers eligible first home buyers a 50% concession on stamp duty across all price points, subject to income and asset tests. There is no FHOG in the ACT. The income threshold is relatively low — check with ACT Revenue Office for current eligibility criteria.
NT first home buyers receive a 50% stamp duty concession on homes up to $650,000. The $10,000 First Home Owner Grant applies to new homes. Darwin property prices are generally lower than capital cities on the east coast.