🧮 CalcWise

🧮Australia Stamp Duty Calculator

Buying property in Australia? Stamp duty (also known as Transfer Duty) is one of the largest upfront costs of buying a home. Use our calculator to determine exactly how much you will owe the government, including major concessions if you are a First Home Buyer.

Last updated: · Reviewed by The CalcWise Team

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How to use this calculator

  1. Enter the total purchase price of the property.
  2. Select your buyer status. First Home Buyers receive massive exemptions (e.g., paying $0 in NSW for homes under $800,000).
  3. Foreign buyers must select the Foreign Purchaser option to account for the mandatory 8% surcharge.
  4. Click Calculate to see your total Stamp Duty bill and the effective tax rate on your purchase.

How it works

Stamp Duty is a state government tax applied when transferring property ownership. This calculator currently uses the latest 2026 New South Wales (NSW) tax brackets, which serves as a highly accurate baseline for the Australian market.

The tax is calculated dynamically. For example, in NSW, the first few thousand dollars are taxed at a low rate, and the rate gradually increases as the property value rises, up to a premium rate for properties over $3.5 million.

Frequently asked questions

When do I have to pay Stamp Duty?
In most states, Stamp Duty must be paid within 3 months of signing the contract for sale or settlement, whichever occurs first.
Do First Home Buyers pay Stamp Duty?
It depends on the property price. In NSW, First Home Buyers pay ZERO Stamp Duty on properties up to $800,000, and receive a discounted rate on properties between $800,000 and $1,000,000.
What is the Foreign Purchaser Surcharge?
If you are not an Australian citizen or permanent resident, most states impose an additional surcharge. In NSW, this is an extra 8% on top of the standard Stamp Duty.

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