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Stamp duty calculator

Stamp duty can be one of those unexpected costs of a buying property in Australia. Here, we'll help you better understand stamp duty and how it works. Our stamp duty calculator can do the numbers for you. Now that's handy!

What is stamp duty?

Stamp duty or land transfer duty is the tax that you pay when buying a property. In some states or territories, it may be referred to as 'conveyancing duty', 'transfer of land duty', 'property transfer duty' or 'transfer duty'.

Generally, when buying land in any state or territory in Australia, which may include buildings (such as a family home on a suburban block), you will need to pay stamp duty to the relevant state or territory government. The amount of stamp duty depends on which state or territory the property is in and the property value.

Stamp duty calculator

Start crunching the numbers in our stamp duty calculator to estimate how much your upfront costs could be. To make this easier, we've already factored in the stamp duty rules that may apply to your location. 

Stamp duty exemptions

In some states and territories, stamp duty exemptions and concessions may be available for eligible first home buyers, seniors and pensioners. There might also be concessions based on the value of the property purchased or the buyer’s annual income. Each state and territory has its own rules for how to calculate stamp duty.

First homes

In some cases, there are exemptions and concessions for stamp duty on your first home. However, each state and territory has its own rules and property purchase price thresholds may apply.

Buying off the plan

In some states and territories, you may be able to save on off the plan stamp duty because you’re buying a new property before it’s actually been constructed. This can vary depending on which state or territory the property is in, whether you’re purchasing a home or an investment property, and your particular contract. 

Land

Yes, there is stamp duty on land. 

When you’re building a new house, you pay stamp duty based on the value of the land you buy. You generally don’t have to pay stamp duty on the house you then build, although you should check with your solicitor or conveyancer as to whether this is the case.

Check with your solicitor or conveyancer about your stamp duty and whether you’re eligible for a stamp duty exemption or concession.

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How stamp duty is calculated

Stamp duty is generally based on the market value or purchase price of the property, whichever is greater. Generally, the cheaper the property, the less stamp duty you’ll pay but there are other variables that could impact your stamp duty bill.

The exact amount payable depends on a number of factors, including the location of the property and whether you're eligible for any concessions or exemptions. Depending on where you buy and the value of the property, stamp duty could add a significant sum to the cost of the property.

See the stamp duty rules for your state or territory 

 

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Your stamp duty questions answered

Each state and territory has its own rules for how to calculate stamp duty – and some are more complex than others. 

To get the latest information for your state or territory, choose your location:

You generally have to pay stamp duty upfront on settlement of a property, although payment requirements differ from state to state.

Usually, you can pay the stamp duty by direct deposit, bank transfer, cheque or credit card. The conveyancer or lender may help organise the stamp duty transaction on your behalf, however you will need to check this.

Stamp duty or land transfer duty is the tax that you pay when buying a property. In some states or territories, it may be referred to as 'conveyancing duty', 'transfer of land duty', 'property transfer duty' or 'transfer duty'.

Generally, when buying land in any state or territory in Australia, which may include buildings (such as a family home on a suburban block), you will need to pay stamp duty to the relevant state or territory government. The amount of stamp duty depends on which state or territory the property is in and the property value.

The exact amount payable depends on a number of factors, including the location of the property and whether you're eligible for any concessions or exemptions. Depending on where you buy and the value of the property, stamp duty could add a significant sum to the cost of the property.

See the stamp duty rules for your state or territory 

Stamp duty is generally based on the market value or purchase price of the property, whichever is greater. Generally, the cheaper the property, the less stamp duty you’ll pay but there are other variables that could impact your stamp duty bill.

See the stamp duty rules for your state or territory 

In some states and territories, stamp duty exemptions and concessions may be available for eligible first home buyers, seniors and pensioners. There might also be concessions based on the value of the property purchased or the buyer’s annual income.

In some cases, there are exemptions and concessions for stamp duty on your first home. However, each state and territory has its own rules and property purchase price thresholds may apply.

In some states and territories, you may be able to save on off the plan stamp duty because you’re buying a new property before it’s actually been constructed. This can vary depending on which state or territory the property is in, whether you’re purchasing a home or an investment property, and your particular contract. 

When you’re building a new house, you pay stamp duty based on the value of the land you buy. You generally don’t have to pay stamp duty on the house you then build, although you should check with your solicitor or conveyancer as to whether this is the case.

Check with your solicitor or conveyancer about your stamp duty and whether you’re eligible for a stamp duty exemption or concession.

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Important information

We've included the First Home Buyer or other property concessions based on the information you have provided regarding your property purchase and on the assumption that you will be eligible for the concession. For information regarding the concessions which may be available in your state and details of the eligibility criteria, please refer to the relevant government website.

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Equity in your home is calculated as the difference between the value of your home and the amount you have left to pay on your home loan at the time the calculation is performed. Estimated equity ranges are estimates only and may not be available for all properties. They are based on certain available information and dependent on the current loan amount data that you input into your ANZ Property Profile Report request form, calculated against the price range estimate. Estimated equity ranges are not confirmation as to the equity you may have in a property or a guarantee of the equity available should a property be sold.

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