Stamp Duty Calculator
Estimate the transfer (stamp) duty on a property purchase by state or territory. Indicative only — confirm the exact figure with the revenue office.
Estimated stamp duty
$28,162
New South Wales · ~3.75% of the price
This is the standard transfer duty — it doesn’t apply first-home or off-the-plan concessions, which can reduce or remove it up to certain price caps.
Indicative estimate using New South Wales’s general transfer-duty scale. Thresholds change with state budgets; surcharges (e.g. foreign-buyer) and concessions aren’t included. Confirm the exact duty with Revenue NSW before relying on it. Not financial or tax advice.
Where stamp duty fits in your budget
Stamp duty is usually the largest upfront cost after your deposit, and it isn’t covered by the loan — you need it in cash at settlement. Factor it in when you work out how much to save and how much you can borrow: try the savings goal calculator for the deposit, the borrowing power calculator for the loan, and the first home buyer guide for the full picture. When you’re ready, compare loans in our home loans comparison.
Frequently Asked Questions
What is stamp duty on a house?
Stamp duty (transfer duty) is a state or territory tax on property purchases, paid by the buyer at settlement. It's calculated on the property's value on a sliding scale, so it rises faster than the price — and it's usually one of the biggest upfront costs of buying, alongside the deposit.
Do first home buyers pay stamp duty?
Often a reduced amount, or none, up to certain price caps — every state and territory runs its own first-home concession or exemption, and the thresholds change regularly. This calculator shows the standard (general) duty and does not apply first-home concessions, so first home buyers should check their state revenue office for the concession they may qualify for.
How accurate is this stamp duty calculator?
It's an indicative estimate using each state's general transfer-duty scale. Duty thresholds change with state budgets, and surcharges (e.g. for foreign buyers) and concessions aren't included. Always confirm the exact figure with your state or territory revenue office — we link each one with the result.
Related guides
Stamp duty figures are indicative general-rate estimates and exclude concessions and surcharges. Thresholds change — always confirm with your state or territory revenue office. Not financial or tax advice.