Stamp Duty & Transfer Cost Calculator

ANA›Life Services Authority›National Calculator Authority›Stamp Duty & Transfer Cost Calculator

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Stamp Duty & Transfer Cost Calculator

Estimate the stamp duty (transfer duty) and associated transfer costs when purchasing a property in Australia. Select your state/territory and enter the property details below.

State / Territory

-- Select State -- New South Wales (NSW) Victoria (VIC) Queensland (QLD) Western Australia (WA) South Australia (SA) Tasmania (TAS) Australian Capital Territory (ACT) Northern Territory (NT)

Property Purchase Price ($)

Buyer Type

Owner-Occupier Investor First Home Buyer

Foreign Purchaser Surcharge?

No Yes

First Home Buyer: Concessions/exemptions may apply depending on property value and state rules. See assumptions below.

Calculate

(function() {

// ── Stamp Duty Brackets (as at 2024-25) ──────────────────────────────────

// NSW: https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty function nswDuty(v) { if (v $960k: flat 5.5% return v * 0.055; } // VIC FHB: exempt ≤ $600k; concession $600k–$750k (tapered) function vicFhbDuty(v) { if (v $525k: flat 4.95% if (v ⚠ Please select a state or territory.'; return; } if (isNaN(price) || price ⚠ Please enter a valid purchase price greater than $0.'; return; } if (price > 100000000) { res.style.display = "block"; res.innerHTML = '⚠ Purchase price seems unusually high. Please check your input.'; return; }

// Calculate stamp duty var duty = 0; var fhbNote = ""; if (buyer === "fhb") { switch(st) { case "NSW": duty = nswFhbDuty(price); fhbNote = "NSW FHB: Exempt ≤ $800k, tapered concession $800k–$1M."; break; case "VIC": duty = vicFhbDuty(price); fhbNote = "VIC FHB: Exempt ≤ $600k, tapered concession $600k–$750k."; break; case "QLD": duty = qldFhbDuty(price); fhbNote = "QLD FHB: Rebate up to $8,750 for homes ≤ $550k."; break; case "WA": duty = waFhbDuty(price); fhbNote = "WA FHB: Exempt ≤ $430k, tapered concession $430k–$530k."; break; case "SA": duty = saFhbDuty(price); fhbNote = "SA: No stamp duty FHB exemption (First Home Owner Grant may apply)."; break; case "TAS": duty = tasFhbDuty(price); fhbNote = "TAS FHB: 50% duty concession for eligible new homes ≤ $750k."; break; case "ACT": duty = actFhbDuty(price); fhbNote = "ACT FHB: Exempt for eligible buyers purchasing ≤ $1M (income-tested)."; break; case "NT": duty = ntFhbDuty(price); fhbNote = "NT: No specific FHB stamp duty exemption."; break; } } else { switch(st) { case "NSW": duty = nswDuty(price); break; case "VIC": duty = vicDuty(price); break; case "QLD": duty = qldDuty(price); break; case "WA": duty = waDuty(price); break; case "SA": duty = saDuty(price); break; case "TAS": duty = tasDuty(price); break; case "ACT": duty = actDuty(price); break; case "NT": duty = ntDuty(price); break; } }

// Foreign surcharge var surcharge = 0; if (foreign === "yes") { surcharge = price * (foreignSurchargeRate[st] || 0); }

var totalDuty = duty + surcharge; var tFee = transferFee(st, price); var mFee = mortgageFee(st); // Conveyancer/solicitor estimate (rough industry average) var legalFee = price '; html += 'Purchase Price' + fmt(price) + ''; html += 'Stamp Duty (Transfer Duty)' + fmt(duty) + ''; if (surcharge > 0) { html += 'Foreign Purchaser Surcharge (' + (foreignSurchargeRate[st]100).toFixed(0) + '%)' + fmt(surcharge) + ''; } html += 'Total Duty' + fmt(totalDuty) + ''; html += 'Title Transfer / Registration Fee' + fmt(tFee) + ''; html += 'Mortgage Registration Fee (est.)' + fmt(mFee) + ''; html += 'Conveyancer / Solicitor Fees (est.)' + fmt(legalFee) + ''; html += 'Total Estimated Upfront Costs' + fmt(total) + ''; html += ''; html += 'Effective duty rate: ' + effectiveRate.toFixed(2) + '%* of purchase price.

'; if (fhbNote) { html += 'FHB Note: ' + fhbNote + '

'; } if (surcharge === 0 && foreign === "yes" && foreignSurchargeRate[st] === 0) { html += 'Note: ' + st + ' does not currently impose a foreign purchaser surcharge.

'; }

res.style.display = "block"; res.innerHTML = html; };

window.staUpdateFields = function() { var buyer = document.getElementById("sta-buyer-type").value; var note = document.getElementById("sta-fhb-note"); note.style.display = (buyer === "fhb") ? "block" : "none"; };

})();

#### Formulas Used

Stamp Duty is calculated using each state's official marginal bracket rates (2024–25):

Foreign Purchaser Surcharge: Applied as a flat percentage of the purchase price (NSW/VIC: 8%; QLD/WA/SA: 7%; TAS/ACT/NT: 0%).

Total Upfront Cost = Stamp Duty + Foreign Surcharge + Transfer/Registration Fee + Mortgage Registration Fee + Conveyancer/Solicitor Fees

#### Assumptions & References

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References

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