Calculator
First home buyer stamp duty calculator
First-home stamp duty is a state tax concession, not one national discount. Open a state page for that jurisdiction’s threshold. This calculator applies a first-home flag only where the published schedule is modelled, and only when you will live in the property.
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Estimated stamp duty
$21,850
- State or territory
- Queensland (QLD)
- Buyer type
- First home buyer
- Property value
- $800,000
- Stamp duty (transfer duty)
- $21,850
- Effective rate
- 2.73%
Based on QLD transfer duty rates (residential) as at July 2026. QLD first-home rates → · Queensland Revenue Office →
Applied: QLD first-home established home.
Estimates only. Assumes an Australian-resident buyer and no foreign-purchaser surcharge. Verify with a conveyancer.
First-home stamp duty on an $800,000 home, by state
Established home you will live in. Investor is the general table at the same price. Titles-office fees are extra. Grants are not included.
| State or territory | First home | Investor | On this calculator |
|---|---|---|---|
| New South Wales (NSW) | $0 | $30,412 | NSW first home →Concession modelled |
| Victoria (VIC) | $43,070 | $43,070 | VIC first home →Concession modelled |
| Queensland (QLD) | $21,850 | $29,025 | QLD first home →Concession modelled |
| Western Australia (WA) | $32,316 | $32,316 | WA first home →General table shown |
| South Australia (SA) | $37,830 | $37,830 | SA first home →General table shown |
| Tasmania (TAS) | $31,185 | $31,185 | TAS first home →Exemption ended |
| Australian Capital Territory (ACT) | $25,150 | $25,150 | ACT first home →General table shown |
| Northern Territory (NT) | $39,600 | $39,600 | NT first home →General table shown |
Common questions
- Is stamp duty free for first home buyers in Australia?
- Not nationally. On this calculator a first-home buyer can see $0 in NSW at $800,000, $0 in Victoria at $600,000, and $0 on a Queensland established home at $650,000. Other states either phase out earlier, do not model a concession, or have ended one.
- Does this include the first home owner grant?
- No. Grants, the 5% Deposit Scheme, and eligibility tests are outside the duty engine. The number is transfer duty (plus a titles-office fee on the result card).
- Which states actually change the first-home figure on this calculator?
- New South Wales, Victoria and Queensland. Western Australia, South Australia, the ACT and the Northern Territory show the general table. Tasmania’s established-home exemption ended on 30 June 2026.
Compare general stamp duty by state → · First home buyer or rentvestor →
Explore more calculators
Use our suite of property calculators to work through the numbers that are on the record.
- Buying costsDeposit, stamp duty, titles fees and labelled legal quotes — cash to complete by state.→
- Rental yieldGross and net yield, pre-tax cashflow, and interest cover from price, rent, and a loan.→
- RentvestingCompare renting plus an investment property, buying to live in, or renting and investing in ETFs.→
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