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Stamp Duty Calculator Australia

Transfer duty on a standard investment purchase in any state or territory, calculated by the same rate tables the Virtual Buyers Agent app uses, with the rate version and sources shown.

Your numbers

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Example value chosen by Virtual Buyers Agent. Change it to your own figure.

Result

This result still uses our example purchase price, not your figure. Change it to see your own number.
Transfer duty$23,985

NSW investment purchase, no concessions applied

Total duty payable$23,985

Duty plus any surcharge

Transfer and registration fees$336

Published schedule fees, separate from duty

Stamp duty rate tables: rate tables 2025-2026; applicable FY 2025-26; internal status "verified"; next scheduled review 2026-07-15. Rates change — confirm with the issuing authority before you act on a figure.
Before you use these figuresGeneral information only — not financial, legal, tax, or investment advice. Virtual Buyers Agent does not hold an AFSL or a real estate licence. Consider your circumstances and seek professional advice before acting.A figure shown as — could not be calculated from what you entered. It is not zero.
How each figure was worked out4 formulas, shown in full
The formula and substituted values behind every figure on this page
FigureFormulaWith your numbersResult
Identify Tax BracketFind threshold ≤ purchase price—$351,000
Calculate Base Dutybase + (price - threshold) × rate—$23,985
Add Transfer Feestransfer fee + mortgage registration—$336
Total Government Costsstamp duty + transfer fees—$24,321

The same price across every state and territory

Standard investment purchase, no concessions, no foreign purchaser surcharge. Every figure is the shared module run once per state.

Transfer duty by state for the price entered above
StateTransfer duty
NSW$23,985
VIC$34,070
QLD$22,275
SA$29,580
WA$24,890
TAS$24,623
ACT$25,310
NT$37,993

How this works

Transfer (stamp) duty for a standard investment purchase, calculated by the same shared rate tables the Virtual Buyers Agent app uses. This page holds no rate table of its own.

General information only — not financial, legal, tax, or investment advice. Virtual Buyers Agent does not hold an AFSL or a real estate licence. Consider your circumstances and seek professional advice before acting.

Inputs, assumptions and limits24 points, shown in full

Inputs used

  • Purchase price: $650,000
  • State or territory: NSW
  • Purchaser: Not a foreign purchaser
  • Property use: Investment (not owner-occupied)

Assumptions

  • A standard investment purchase. No first-home-buyer, owner-occupier, pensioner or off-the-plan concession is applied, because eligibility depends on facts this page cannot establish.
  • Duty is calculated on the purchase price. Where duty is assessed on the higher of price or market value, a valuation could change the figure.
  • Transfer and mortgage registration fees are the published schedule fees for the state and are shown separately from duty.
  • Stamp duty rate tables: rate tables 2025-2026; applicable FY 2025-26; internal status "verified"; next scheduled review 2026-07-15. Rates change — confirm with the issuing authority before you act on a figure.

Limits of this result

  • Rates subject to change. Verify with state revenue office before settlement.
  • Surcharges and concessions change at short notice and often mid-financial-year. Treat this as an estimate to check, not a figure to budget from.
  • A figure shown as — could not be calculated from what you entered. It is not zero.

Where the numbers come from

  • Revenue NSW — https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty — 2025-2026 — Official NSW stamp duty rates and thresholds
  • Rate Version — 2025-2026 — 2025-26 financial year rates (verified)
  • Duties Act 1997 (NSW) — https://revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty — 2025-26
  • Duties Act 2000 (VIC) — https://www.sro.vic.gov.au/land-transfer-duty — 2025-26
  • Duties Act 2001 (QLD) — https://www.qld.gov.au/housing/buying-owning-home/transfer-duty — 2025-26
  • Stamp Duties Act 1923 (SA) — https://www.revenuesa.sa.gov.au/stampduty — 2025-26
  • Duties Act 2008 (WA) — https://www.wa.gov.au/organisation/department-of-finance/transfer-duty — 2025-26
  • Duties Act 2001 (TAS) — https://www.treasury.tas.gov.au/domino/dtf/dtf.nsf/LookupFiles/DutiesAct2001.pdf — 2025-26
  • Stamp Duty Act 1978 (NT) — https://nt.gov.au/employ/money/taxes-and-royalties/stamp-duty — 2025-26
  • Duties Act 1999 (ACT) — https://www.revenue.act.gov.au/duties — 2025-26
  • Internal rate-table status — verified — Next scheduled re-verification: 2026-07-15.

Check before acting

  • Confirm the exact duty with the state revenue office or your conveyancer before exchange — they assess it, we do not.
  • Ask your conveyancer which concessions you may qualify for. This page applies none.

How transfer duty works

Transfer duty — commonly called stamp duty — is a state tax on the transfer of property. Every state and territory sets its own thresholds and rates, so the same price attracts different duty in different places.

The brackets work like income tax brackets: a fixed amount for the bracket the price falls in, plus a marginal rate applied to the part of the price above that bracket’s threshold. The calculation steps above show which bracket applied and how the amount was built.

Transfer and mortgage registration fees are separate from duty. They are published schedule fees and are shown as their own line so they are not mistaken for part of the duty figure.

What this calculator assumes

A standard investment purchase. No first home buyer, owner-occupier, pensioner or off-the-plan concession is applied, because eligibility depends on facts a public page cannot establish — and telling you that you qualify when you do not is worse than telling you nothing.

Duty is calculated on the price you enter. Where a state assesses duty on the higher of price or market value, a valuation can change the figure.

The foreign purchaser option applies the surcharge the shared rate tables hold for that state. Surcharges change, sometimes mid-year, which is why the rate version and review status are printed with the result rather than left implicit.

Confirm before you commit

Duty is assessed by the state revenue office, not by this calculator. Treat the figure here as an amount to check, not an amount to budget from, and have your conveyancer confirm it against your contract.

The rate tables here are shared with the Virtual Buyers Agent app rather than kept as a separate copy, so a re-verification updates both at once. The version, the applicable financial year and the next scheduled review date are shown with every result so you can see how current they are.

Frequently asked questions

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General information only — not financial, legal, tax, or investment advice. Virtual Buyers Agent does not hold an AFSL or a real estate licence. Consider your circumstances and seek professional advice before acting.

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