Estimate transfer (stamp) duty and first home buyer concessions for Victoria, New South Wales and Queensland. General information only — see the disclaimer below.
Purchase price / dutiable value of the property.
You (and any co-buyer) have never owned property in Australia before.
First home concessions require you to move in and live there. Investors are not eligible.
Estimated duty payable
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Standard transfer duty
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Concession applied
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You may save
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⚠️ Estimate for an established residential property. Figures must be confirmed with the relevant State Revenue Office and a licensed professional before you act. Rates/thresholds current as at 2026 — verify before relying on them.
First home buyer duty thresholds
State
Full exemption
Concession (tapered)
Notes
VIC
≤ $600,000
$600,001 – $750,000
Must occupy. New & established homes.
NSW
≤ $800,000
$800,001 – $1,000,000
Vacant land: ≤ $350k exempt, to $450k concession.
QLD
≤ $700,000
$700,001 – $799,999
New homes: FHB duty abolished from 1 May 2025 (verify with QRO).
What this calculator does and doesn't cover
Covers: transfer (stamp) duty for VIC/NSW/QLD, the standard owner-occupier / principal-place-of-residence concessions, and first home buyer duty exemptions/concessions on an established home.
Does not cover: First Home Owner Grant (FHOG) cash grants for new builds, off-the-plan/new-home specific concessions, vacant land, foreign purchaser additional duty (surcharge), pensioner/other concessions, mortgage registration and transfer fees, or your borrowing capacity. New builds and vacant land are treated differently — book a consult for a precise figure.
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Disclaimer. This calculator provides general information only and does not constitute personal credit assistance, financial or taxation advice, and does not take into account your objectives, financial situation or needs. Stamp duty rates, first home buyer concessions and grant thresholds change over time and vary by state and by individual circumstances. All figures are estimates for an established residential property, exclude foreign purchaser surcharges, mortgage registration/transfer fees and other costs, and must be independently confirmed with the relevant State Revenue Office (SRO VIC, Revenue NSW, QRO) and a licensed professional before you act. Rates and thresholds are current as at July 2026 (verified against SRO Victoria, Revenue NSW and the Queensland Revenue Office). Steven Shangguan is a Credit Representative (CRN 560624) authorised under Finsure Finance & Insurance Pty Ltd, Australian Credit Licence 384704. No lender, interest rate or loan approval is implied or guaranteed.