Stamp Duty Calculator
Calculate transfer duty for every Australian state and territory. Includes first home buyer concessions and FHB grant information. Updated for 2025-26.
State or territory
New South Wales
Buyer type
Total Purchase Cost Summary
Upfront cash needed on settlement day — beyond just the deposit.
This is separate from your deposit — you need cash for these costs on top of what goes toward the purchase price. Legal fees, inspection, and lender fees are estimates; get quotes for your specific situation.
LMI Estimate
if deposit < 20%Lenders Mortgage Insurance (LMI) is required when your deposit is less than 20% of the purchase price. Enter your deposit to calculate an estimate.
No LMI required
Your LVR of 80.0% is at or below 80% — lenders do not require LMI.
State by State Comparison
for $750,000| State | Stamp duty | % of price |
|---|---|---|
ACTCheapest | $19,250 | 2.57% |
QLD | $26,775 | 3.57% |
▶ NSW | $28,485 | 3.80% |
TAS | $28,935 | 3.86% |
WA | $32,540 | 4.34% |
SA | $35,080 | 4.68% |
NT | $37,125 | 4.95% |
VICMost | $40,070 | 5.34% |
Click any state to switch your calculation. Sorted cheapest to most expensive for $750,000.
Other upfront costs to budget for
Indicative ranges — get quotes for your specific situation.
Also need repayment figures?
Our mortgage calculator includes stamp duty in the full upfront cost breakdown.
Stamp duty payable
$28,485
3.80% of purchase price · New South Wales
Official state revenue offices
→ Revenue NSW (your selection)
State Revenue Office VIC
Queensland Revenue Office
Revenue WA
RevenueSA
State Revenue Office TAS
ACT Revenue Office
Territory Revenue Office
What is stamp duty?
Stamp duty (also called transfer duty or conveyance duty) is a state government tax charged when you buy property. The amount varies significantly by state — Victoria charges up to 6.5% while the ACT has a more moderate progressive scale. It's one of the largest upfront costs of buying property and must be paid at or shortly after settlement.
First home buyer concessions
Most states offer significant stamp duty reductions or waivers for first home buyers. NSW provides a full waiver for homes under $800,000. Victoria waives duty on homes under $600,000. These concessions can save first home buyers tens of thousands of dollars — make sure you check eligibility before your purchase.