Free Stamp Duty Calculator
Know your upfront costs before you make an offer
Enter the purchase price, your state or territory, and a few details about your situation to estimate the stamp duty payable on your next property.
With 23+ years in financial services, I make sure upfront costs like stamp duty are factored into your loan strategy from day one.
Prefer to talk first? Call Durand direct on 0450 275 656
Run your numbers
Enter the purchase price, your state or territory, whether it’s your primary residence or an investment, and whether you’re an eligible first home buyer to see an estimate update in real time.
This estimate is based on standard rates and concessions for the state or territory you select. Stamp duty rules and thresholds can change, so always confirm the final figure before settlement.
What actually determines your stamp duty
Four moving parts sit behind every stamp duty figure, wherever you’re buying. Understanding them helps you read the calculator’s result the right way.
Purchase price
Stamp duty is calculated on a sliding scale in every state and territory, so the rate you pay increases in bands as the purchase price rises.
Property use
Owner-occupied properties can attract different treatment to investment properties, so what you intend to do with the property matters.
Buyer eligibility
First home buyers may be eligible for a concession or full exemption depending on the purchase price and whether the property is new or established.
State or territory
Stamp duty rates, thresholds and concessions differ across every Australian state and territory, so selecting the right one gives you an accurate figure.
Purchase price
Stamp duty is calculated on a sliding scale in every state and territory, so the rate you pay increases in bands as the purchase price rises.
Property use
Owner-occupied properties can attract different treatment to investment properties, so what you intend to do with the property matters.
Buyer eligibility
First home buyers may be eligible for a concession or full exemption depending on the purchase price and whether the property is new or established.
State or territory
Stamp duty rates, thresholds and concessions differ across every Australian state and territory, so selecting the right one gives you an accurate figure.
Why your real stamp duty bill can differ from the estimate
A calculator works from the purchase price and a standard set of rules. Your actual bill can move for a few reasons.
Concessions and exemptions change over time
First home buyer concessions and exemptions are periodically reviewed in every state, so the threshold that applied last year may not apply to your purchase.
Off-the-plan purchases are treated differently
Some off-the-plan properties can attract a dutiable value calculation that differs from the full contract price.
Foreign buyer surcharges can apply
If you’re a foreign purchaser, an additional duty surcharge may apply on top of the standard rate, and the surcharge itself varies by state.
Other settlement costs add up alongside it
Stamp duty is usually the largest upfront cost, but transfer fees, legal costs and loan establishment fees also need to be budgeted for.
Concessions and exemptions change over time
First home buyer concessions and exemptions are periodically reviewed in every state, so the threshold that applied last year may not apply to your purchase.
Off-the-plan purchases are treated differently
Some off-the-plan properties can attract a dutiable value calculation that differs from the full contract price.
Foreign buyer surcharges can apply
If you’re a foreign purchaser, an additional duty surcharge may apply on top of the standard rate, and the surcharge itself varies by state.
Other settlement costs add up alongside it
Stamp duty is usually the largest upfront cost, but transfer fees, legal costs and loan establishment fees also need to be budgeted for.
Concessions and exemptions change over time
First home buyer concessions and exemptions are periodically reviewed in every state, so the threshold that applied last year may not apply to your purchase.
Off-the-plan purchases are treated differently
Some off-the-plan properties can attract a dutiable value calculation that differs from the full contract price.
Foreign buyer surcharges can apply
If you’re a foreign purchaser, an additional duty surcharge may apply on top of the standard rate, and the surcharge itself varies by state.
Other settlement costs add up alongside it
Stamp duty is usually the largest upfront cost, but transfer fees, legal costs and loan establishment fees also need to be budgeted for.
From estimate to strategy in five steps
Once you’ve run the numbers, here’s what working with Durand actually looks like.
Why clients work with me
The calculators are free for anyone to use. What sets the outcome apart is the strategy built around your actual numbers, delivered by the same person from start to finish.
“Durand was amazing, he walked us through the process every step of the way, always available to explain things, prepared very thorough loan applications, professional, friendly with great communication skills.”
Shane, verified Google review
23+
Years in financial services
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Lenders on panel
5★
Client feedback
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End-to-end service, no handoffs
Stamp duty calculator FAQs
Does this calculator work for every Australian state and territory?
Yes. Select the state or territory you’re purchasing in and the calculator applies the relevant stamp duty rates, thresholds and concessions for that location.
Am I eligible for a first home buyer concession?
It depends on the purchase price, whether the property is new or established, which state you’re buying in, and whether you or your co-purchaser have owned property before. We can check your eligibility against current thresholds.
Do I pay stamp duty on an investment property the same way?
The base calculation is similar, but some first home buyer concessions and exemptions only apply to owner-occupied purchases, not investment properties.
When is stamp duty actually paid?
Stamp duty is generally paid at or shortly after settlement, and your conveyancer or solicitor will usually arrange this as part of the settlement process.
Can stamp duty be added to my loan?
In some cases, lenders will allow stamp duty to be included in the loan amount, though this increases what you’re borrowing and repaying interest on. It’s worth discussing before you commit to a structure.
I've calculated my stamp duty, what's next?
A good next step is making sure this cost is properly factored into your overall borrowing strategy and deposit planning, rather than treated as a separate, unplanned expense.
Related reading
Once you’ve run your numbers, these might be useful next.
A guide to buying a house
A broader look at the buying process, including the upfront costs that go beyond your deposit.
How to bid at an auction: a confident buyer’s guide
If you’re purchasing at auction, this covers how to prepare and what to expect on the day.
A guide to buying a house
A broader look at the buying process, including the upfront costs that go beyond your deposit.
How to bid at an auction: a confident buyer’s guide
If you’re purchasing at auction, this covers how to prepare and what to expect on the day.
Explore our other calculators
This is one of six free tools. Here are the other five.
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Loan repayment
Borrowing power
Refinance calculator
Extra repayments calculator
Home loan offset calculator
Ready to turn your estimate into a strategy?
Tell us what you’re working toward and we’ll review your actual numbers, not just a calculator estimate.
Prefer to talk now? Call 0450 275 656 or email durand@willowandreedprivate.com.au