Consumer & residential

Stamp Duty Calculator - All Australian States

Estimate transfer duty on a residential property purchase in any Australian state or territory, plus the other upfront costs that sit on top of your deposit.

Your details

Purchase price

State or territory

Deposit

Conveyancing / legal

Building & pest inspection

Transfer & mortgage registration

Stamp duty - New South Wales

$28,161

Total cash required

$180,911

deposit plus all upfront costs

Loan required

$600,000

Purchase price	$750,000
Stamp duty 3.75% of the purchase price	$28,161
Conveyancing / legal	$1,800
Building & pest inspection	$600
Transfer & mortgage registration	$350
Total upfront costs excluding deposit	$30,911
Deposit	$150,000
Cash required at settlement	$180,911

This is the standard rate for an established residential purchase. First home buyer concessions, off-the-plan concessions, pensioner concessions and foreign purchaser surcharges are NOT applied and can change the figure substantially.

Duty scales change with state budgets. Confirm the current rate with the relevant state revenue office before relying on this figure.

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Published rates notice: this calculator uses published scales (duty brackets or insurance premium bands) that change with government budgets and insurer pricing. They are indicative. Confirm the current figures with the relevant state revenue office or lender before relying on the result.

Frequently asked questions

Does this include first home buyer concessions?

No. Every state offers concessions or exemptions with different price thresholds and eligibility rules, and they change frequently. Check your state revenue office - the saving can be tens of thousands of dollars.

Can I add stamp duty to my loan?

Generally not directly, because duty is payable at settlement and lenders size the loan against the property value. Some borrowers increase the loan against other equity, which is a different transaction with its own approval.

General advice warning: This calculator provides general information only. It does not take into account your objectives, financial situation or needs, and it is not personal credit or financial advice.

Results are estimates based on the inputs and assumptions shown. Any interest rate used is an example and is not an offer of credit. Speak to a licensed credit representative before acting on these figures.