An educational estimate of standard transfer duty by state and territory. Excludes first-home buyer concessions, foreign purchaser surcharges, and other variations. Not financial or legal advice.
Transfer duty (commonly called stamp duty) is a state and territory government tax payable on the purchase of property. Each state and territory sets its own rates and brackets independently — and rates change. The buyer is generally responsible for paying the duty.
Like income tax, transfer duty uses a marginal bracket system: different rates apply to different portions of the purchase price. A base amount of duty accrues up to each bracket threshold, and the rate applies only to the amount above that threshold. This means the effective rate (duty ÷ price) is always lower than the highest marginal rate that applies.
This is a standard duty estimate only. It does not model:
First-home buyer concessions or exemptions — most states offer a reduction or exemption for eligible first-home buyers, usually subject to price caps and residency requirements. These vary significantly by state and change frequently. Foreign purchaser surcharges — additional duty applies to foreign purchasers in every state. Off-the-plan and other concessions — various special arrangements exist for new builds, owner-occupiers, pensioners, and other categories. Land tax, mortgage duty, and other property taxes — transfer duty is distinct from ongoing land tax and other charges.
State and territory governments change transfer duty rates and thresholds through their annual budgets. The figures in this calculator reflect the best available data at the time of writing but must be confirmed against each jurisdiction's revenue office before launch, and re-confirmed each financial year. The Northern Territory uses a formula-based calculation that is not implemented in this v1 tool.
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