Purchase details
2026–27 rates
Pick your state and we'll work out stamp duty, including first home buyer and owner-occupier concessions.
State or territory
Will you live in it?
First home buyer?
What are you buying?
Purchase price
$
Transfer / stamp tax rate (approx %)
%
Use an approximate overall rate for your region (or an average of any tiers).
Estimated discount on that tax (optional)
$
Put any first-home, principal-residence, or other relief here as a flat amount.
Savings available (deposit + costs)
$
Other upfront costs (legal, inspections, etc.)
$
Example annual property charge (optional %)
%
For simple “annual property tax” comparisons, e.g. 0.3% per year.
Comparison horizon (years)
years
A guide only, using each revenue office's published 2026–27 schedule. Eligibility rules apply to every concession — confirm with your conveyancer before you sign.
Stamp duty
What you pay, any concessions applied, and an optional comparison with an annual property charge.
Stamp duty
Standard duty
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Concession saving
—
You pay
—
Annual charge comparison
Annual charge (if entered)
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Total over horizon
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Which is smaller over that time?
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How this calculator works
- For Australian states, duty uses each revenue office's published 2026–27 schedule, then applies owner-occupier and first home buyer concessions you're likely eligible for.
- "Somewhere else" uses purchase price × your % rate, minus any flat discount you enter.
- The annual charge is a simple % of the same price, multiplied by the number of years you choose.
- Not included: foreign purchaser surcharges, registration fees, pensioner and off-the-plan concessions, and grants like the First Home Owner Grant.
Upfront cash needed
See how your deposit stacks up once tax and other costs are added.
Cash summary
Savings
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Stamp duty
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Other costs
—
Duty + other costs
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Left for the deposit itself
—
Your savings minus duty and costs: this is what's actually left to put down as a deposit.
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