home-buying

Stamp Duty

Complete guide to stamp duty in Australia: how it works, who pays, first home buyer exemptions and how to calculate it.

Updated Jan 2025

Stamp Duty Guides (Australia)

Buying property? Stamp duty (also called transfer duty) can be one of the biggest upfront costs. Use these guides to understand how duty is calculated, who qualifies for concessions, and what applies in your state or territory.

Quick action: Use the Stamp Duty Calculator


Start here


Stamp duty by state and territory

Select your state/territory to see the most relevant rules, concessions, and common scenarios:


What most calculators miss (and what we show)

Most stamp duty tools show duty only. At settlement, many buyers also pay government fees like:

  • transfer registration fee
  • mortgage registration fee (if you’re borrowing)

MoneyWiseCalc can show:

  • Stamp duty total
  • Government fees total
  • Total government costs (duty + fees)

Next step: Estimate total government costs now


If you’re planning a purchase, these calculators usually go together:


Important: Guides provide general information only. Results can vary based on eligibility and transaction details. Confirm with your conveyancer and your state/territory revenue authority.