Client Login
Understanding Stamp Duty Before You Buy
When you purchase a property in Australia, one of the costs you’ll face is stamp duty. Our stamp duty calculator gives you a quick estimate of these government-levied costs, so you can budget more confidently and avoid surprises.
Our tool helps you plan ahead and make informed decisions, whether you’re a first-home buyer, investor, or upgrading your home.
How the Stamp Duty Calculator Works
Using the calculator is straightforward. You enter key details like:
- The purchase price of the property.
- The state or territory where the property is located.
- Whether the purchase is for your primary residence or an investment.
- Whether you’re a first-home buyer or a foreign purchaser (if applicable).
- Whether the property is established, new, or vacant land.
Once you input the above, the tool estimates:
- The stamp duty payable.
- Transfer and mortgage registration fees (where relevant).
- Any applicable grants, concessions, or exemptions you might qualify for.
Here’s a breakdown of typical 2025 data for the tax year across major states:
| State/Territory | Stamp Duty on $500,000 Home (Non-First Home, Owner-Occupied) | Notes |
| NSW | ~$17,029 | Established home, owner-occupied |
| VIC | ~$21,970 | Established home, owner-occupied |
| QLD | ~$8,750 | Much lower duty, owner-occupied |
| WA | ~$17,765 | Owner-occupied, established home |
| SA | ~$21,330 | Based on thresholds for residential land |
| NT | ~$18,247 | Based on residential transfer duty thresholds |
| TAS | ~$23.928 | Based on the estimate for non-First Home |
Figures are estimates and may change. Always confirm with the relevant State Revenue Office.
Why Use the Stamp Duty Calculator?
Using the stamp duty calculator gives you several advantages:
- Budget with clarity: Know what you’ll owe in stamp duty and related fees before you commit.
- Compare locations: Since duty varies by state, you can see how costs differ if you’re considering different areas.
- Check eligibility: First-home buyer concessions or property type (new vs established) may reduce your duty – the calculator can highlight these savings.
- Avoid surprises: Unexpected duty costs can delay settlement or reduce your borrowing capacity. Being prepared puts you in control.
Frequently Asked Questions
The stamp duty calculator estimates main costs such as stamp duty, transfer and mortgage registration fees.
It may not include solicitor/conveyancer fees, lender legal fees, or insurance costs. For a full breakdown, speak with a broker or conveyancer.
Yes. Stamp duty rates often differ if the property is for investment use. Some states add surcharges for foreign purchasers or higher duty bands for investments. The calculator allows you to select investment vs owner-occupied so you can see relevant duty differences.
When you select that you’re a first-home buyer, the calculator adjusts estimates to reflect any eligible exemptions or reductions in stamp duty. Always confirm your eligibility with your state’s revenue office.
No. The results are estimates only. State governments may change duty rates or bands, so use the results as a guide. Always obtain final figures from your conveyancer or your state’s revenue office before proceeding.
Work with an Inovayt Broker
Why Choose Inovayt
Simple
We understand it can be daunting applying for finance, but it doesn’t have to be. Our experienced team can help you apply for all types of finance with little stress.
Flexible
We understand that everyone has different needs, schedules and availability. We’re happy to meet face to face, over the phone or online at a time that suits you.
Solutions-driven
Let us help you make your financial dreams a reality for now and into the future. Our end-to-end financial solutions can support you throughout any stage of your life journey.
