Use our free Australian stamp duty calculator to calculate stamp duty on property purchases. Our stamp duty calculator Australia includes first home buyer discounts and investment property surcharges for accurate calculations. Calculate property transfer tax, conveyance duty, and total property costs for residential and commercial properties across Australia.
Stamp duty is a state government tax paid when purchasing property in Australia. Rates vary by state and property value, with first home buyers often eligible for concessions or exemptions. Our calculator helps you budget accurately for your property purchase, including stamp duty costs and total purchase expenses.
Stamp duty (also called transfer duty or conveyance duty) is a state government tax levied on property transactions in Australia. It's calculated based on the property's purchase price using progressive rates that vary by state and territory. Our Australian stamp duty calculator uses current rates to provide accurate estimates. The amount increases with property value, with different rates for different price brackets. First home buyers may be eligible for exemptions or concessions depending on their state.
Yes, most Australian states and territories offer first home buyer stamp duty concessions or exemptions. These typically apply to properties below a certain value threshold (varies by state, usually $500,000-$750,000). Some states offer full exemptions, while others provide partial discounts. Eligibility usually requires being an Australian citizen or permanent resident, living in the property as your principal place of residence, and not having owned property before. Check your state's revenue office for current thresholds and eligibility criteria.
Yes, investment properties often attract higher stamp duty rates and additional surcharges in Australia. Some states impose foreign investor surcharges (up to 8% additional), and investment properties may not be eligible for first home buyer concessions. The surcharge is designed to discourage speculative investment and support owner-occupiers. Always check your state's current rates, as they change regularly. Our calculator includes investment property surcharge options for accurate calculations.
Stamp duty is typically paid at settlement when the property transfer is completed, usually 30-90 days after signing the contract. The exact timing depends on your state and contract terms. Some states allow payment plans for eligible buyers, while others require full payment at settlement. First home buyers may be able to defer payment in some circumstances. Budget for stamp duty early in your property purchase planning, as it can be a significant cost (often 3-5% of property value).
Stamp duty varies significantly by state, property value, and property type. As a general guide, expect to pay 3-5% of the property value, though rates are progressive (higher rates on higher values). Use our stamp duty calculator Australia for accurate estimates based on your property value, location, and buyer status. Remember to factor in additional costs like legal fees, building inspections, and loan establishment fees when budgeting for your property purchase.
You may be able to reduce stamp duty costs by: qualifying for first home buyer concessions, purchasing below state thresholds, buying in regional areas (some states offer discounts), or structuring your purchase differently (consult a property lawyer). Some states offer stamp duty concessions for off-the-plan purchases or new builds. Always check current state government policies, as stamp duty concessions change regularly. Our calculator includes options for first home buyer discounts to help you estimate potential savings.