Stamp Duty Calculator

Mortgage House partners with you when finding the best loan for you ensuring you know of all necessary costs, saving you money and worry. Calculate an estimation of your stamp duty by entering your details below.

Our stamp duty calculator will tell you the breakdown of fees associated with stamp duty and give a total estimated cost, so that you know what to expect from your stamp duty.

The price of buying the property
The State/Territory where you will be buying the property
What is the primary use of the property e.g. will it be your main residence or are you buying the property as an investment?
What is the type of the property that you are buying?
Are you a first time buyer of property? You may receive discounts on the stamp duty paid as first time buyer.



Registration Fee


Transfer Fee


Stamp Duty Fee


Total Stamp Duty Costs


Important Disclaimer: This is intended as a guide only. Values used in the calculations are subject to change.

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What is stamp duty and why do I pay it on my property?

Stamp duty is a tax set by each Australian state or territory that is imposed on the purchase of assets, including property. You are likely to pay stamp duty no matter where in Australia you live if you purchase a house or a block of land. However, some states provide discounts or exemptions for individual purchaser categories, such as first home buyers or people who build homes in regional areas. Essentially stamp duty covers the cost of changing the title of the property and ownership details. It is important to know how much you will pay in stamp duty, as it can help you better plan for budgeting for a new mortgage. The good news is you can include the stamp duty costs in the amount you borrow.

How does a Stamp Duty Calculator work?

At Mortgage House we want to provide you with the best tools and resources we can to help you find a suitable home loan for your property goals. Our Stamp Duty Calculator is one of those tools. It is easy to use and can help ease any worries you have about extra fees and charges that can often surprise you when you are applying for a mortgage. Stamp duty is calculated from the value of the property you are buying, not how much you borrow. Most of our other mortgage calculators ask you to enter your loan amount, but not our Stamp Duty Calculator. Once you have entered the property value, it is important to make sure you select the state you are buying the property in. This is one of a few selections you will make with our Stamp Duty Calculator that are really important.

This is because different states have different levels of stamp duty, and have different policies around what type of buyer pays full price, which buyers get a discounted rate and which ones pay nothing. That is also why selecting whether you are buying the house to live in, or as in investment, is also important. In some states, buying an investment property attracts a higher stamp duty amount. The type of property you intend to buy can also effect how much stamp duty you pay. For example, in New South Wales, buying a vacant block or a property off the plan, if it is not your first home, will see you pay no stamp duty at all.

stamp duty calculator

Is transfer duty different to stamp duty, and how much will I pay?

Transfer duty is another name for stamp duty, and how much you pay depends on the factors outlined above. Once you have entered the information in our Stamp Duty Calculator as accurately as you can, it will give you a breakdown of fees associated with stamp duty for your specific purchase. The fees are estimates, but they are a good indication of what you can pay. As mentioned above, different states have different stamp duty policies, with some states giving discounts or exemptions to different kinds of purchasers, such as first home owners or those buying off-the-plan from large developments. If you are buying a house and land package, for example, you will only pay stamp duty on the land portion, providing the house has not yet been built. How much you pay also depends on the cost of the property. As a rule, stamp duty is calculated on how much you paid for the property, if it is greater than the advertised value. So, how much you pay depends on where you buy the property, how much the property costs and the type of property you buy.

What is Mortgage Duty?

Mortgage Duty is separate from stamp duty, and was a fee charged on each mortgage. Most states and territories have abolished it, however there is still a nominal fee of $5 on transfer of mortgages in Queensland.

What about other types of mortgage calculators?

Our Stamp Duty Calculator is not the only mortgage calculator Mortgage House customers can have in their toolkit. We have a range of other calculators that can help you find a suitable home loan. Our Mortgage Repayment Calculator allows you to find out how much your repayments can be, and shows you how much interest you can pay over the life of your loan. You can also use our borrowing calculator to give you a guide as to what size loan you may be approved for, given your current income and expenses. You can find out exactly what those expenses are with our Budget Planner Calculator. It can help you get on track to save for a deposit, budget for repayments, find extra funds or simply keep your spendings in check. Our Best Rate Mortgage Calculator can help you compare Mortgage House loans to find an interest rate you are looking for, and also help you compare the repayments of all of our loans. We also have a calculator that can help you make a decision whether or not to switch loans. This calculator can show you the repayment difference between your current loan and a new one, and whether or not making the switch will save you money. It’s important to understand that these calculators are purely guides, but can give you a good indication of the information you are after.

Does stamp duty differ by state?

As stamp duty is a state tax; each state has their own priorities and can set their own stamp duty. As a result, the amount and eligibility can vary across states. If you live in New South Wales, for example, you will currently pay less in stamp duty on a property worth $350,000, than if you bought the home in Victoria. As the property value increases, the difference can also increase. For example, you can almost pay twice as much stamp duty on a $750,000 home in Victoria as you can in New South Wales. If you live in Queensland, you could pay a lot less. Stamp duty in most states is not a tax that is paid on the loan amount, but it is paid on the greater of the purchase price, or the market value of the property. When you are buying real estate, and when you apply for a loan, these kinds of fees and extra taxes can make a big difference, so it’s important to know as much about them as you can beforehand. The last thing anyone wants when buying a home is a nasty surprise, especially one that can be quite a large cost.

What is an owner-occupied property?

Stamp duty is something that is charged on a property purchase no matter what type of loan you choose. Whether you chose a principal and interest home loan, an interest only loan, a variable rate or a fixed rate loan, as a home buyer you are likely to be charged stamp duty or at least some fees associated with transfer of property and registration of a mortgage. However, as well as the value of the property and which state you live in, another variable of how much stamp duty you will pay as a home buyer is whether or not you buy an owner-occupied property. An owner-occupier is someone who intends to live in the home they are looking to buy. The other type of property is an investment property. In some states, the amount you are charged in stamp duty can be different, usually less, for owner- occupied properties than investment properties. Most banks and lenders will also charge slightly higher interest rates for investment home loans, which can be an indication of the marginally higher level of risk. Whatever your financial situation, or property objectives, understanding how stamp duty works on all kinds of properties, and with all mortgages, no matter what type of loan you want, is important.

Does stamp duty differ with property types?

The amount you pay in stamp duty can vary for different kinds of real estate, and can vary between states. In some states, the amount of stamp duty you pay for an owner-occupied home or an investment property will not differ. In other states, it will. The same goes for vacant land. Some states don’t charge stamp duty at all for vacant land, some charge a reduced amount, and others the same. Finally, if you buy a house and land package, then you are likely to save on stamp duty compared to buying established real estate. That’s because you won’t pay stamp duty on the house component, only the land. This can save you thousands. Working out which properties you pay stamp duty on, and how much, is important when you are looking for a suitable home loan. Make sure stamp duty is included in the loan amount when you are using any of our mortgage calculator options. Our stamp duty calculator is easy to use and can help you if you are unsure how much stamp duty you will pay.

How can you reduce stamp duty costs?

Stamp duty can be a considerable cost, especially if you don’t buy real estate often, or are a first home buyer. So finding any way you can to reduce stamp duty costs can be worthwhile. However, like most government taxes or fees, there aren’t too many ways to avoid it or limit how much you pay. One way is to reduce your costs by buying a cheaper property. The higher the value or purchase price of your property the more stamp duty you are likely to pay. If you are purchasing an investment property, you may consider buying in a state that has friendlier stamp duty regulations for the type of property you are buying. In some states, stamp duty can be calculated on the market value, not the purchase price. It can be worth negotiating the price of the property down based on this, especially if the seller is keen for a quick sale.

How does being a first home buyer affect stamp duty costs?

Most state governments around Australia want to make it easier for people to buy their first home. As a result, they often offer significant stamp duty reductions for first home buyers. No matter what type of loan you choose, as a first home buyer you can usually save on stamp duty. In fact, in some states, you may not pay any stamp duty at all. Most stamp duty discounts only apply for owner-occupied homes, not investment properties.