Calculators
Stamp Duty
Calculate how much stamp duty you will have to pay on your new home or property purchase.
How to use this
Duty is charged on the dutiable value
That is normally the purchase price or the market value, whichever is higher, and it is worked out on a sliding scale rather than a flat percentage. Each band applies only to the portion of value inside it, which is why the effective rate rises gradually instead of jumping at a threshold.
Which concession applies changes everything
The home concession applies to anyone buying a residence to live in, including upgraders. The first home concession reduces duty further, to nil on an established home up to $700,000. The first home new home concession removes duty entirely on an eligible new or substantially renovated home, with no value cap at all.
It is payable in cash at settlement
Duty cannot be added to your home loan. It has to come from your own funds alongside conveyancing, inspections and lender fees, which is why buyers who budget only for the deposit come up short. Establish your duty position before you fix on a price range.
Frequently asked questions
Do first home buyers pay stamp duty in Queensland?
Not on an eligible new or substantially renovated home, where duty reduces to nil with no value cap. On an established home, eligible first home buyers pay nothing up to $700,000, with the concession tapering above that.
Can I add stamp duty to my home loan?
No. Transfer duty is payable in cash at settlement. Some buyers release equity from another property to cover it, which needs arranging well in advance.
Is there a price cap on the first home new home concession?
No. The Queensland Revenue Office states there is no value cap for the home and the residential land attributed to it. The separate First Home Owner Grant does have a $750,000 cap, which is a common source of confusion.
What if I buy an investment property?
The standard schedule applies, because the home and first home concessions require you to live in the property. Investors should budget for full duty.
Do I have to live in the home to keep the concession?
Yes. You must move in with your belongings within one year of settlement and live there daily. Selling, leasing the whole property or failing to move in triggers a disclosure obligation to the Revenue Office.
Read the detail
Estimates only. Excludes mortgage registration, FIRB fees and foreign acquirer duty where applicable. Confirm with your conveyancer.
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