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ACT First Home Buyer Stamp Duty Calculator

From 1 July 2026, eligible ACT home buyers pay no conveyance duty on homes or vacant residential land. The property value cap and income threshold have been removed.

From 1 July 2026, eligible buyers have no property value limit and no income threshold.

All buyers must be adults and, with their domestic partners, have owned no property in the previous 5 years. At least one buyer must meet the residence rule.

Select a preset:

Access Canberra fees from 1 July 2026.

Full exemption — You save $22,158.00

Conveyance duty payable$0.00
Standard duty before HBCS$22,158.00
Transfer registration$496.00
Mortgage registration$184.00
Deposit amount$160,000.00
Government fees$680.00
Total cash needed$160,680.00

Effective duty rate

0.00%

You save

$22,158.00

Deposit

20%

From 1 July 2026 there is no income test or property value cap. All buyers and their domestic partners must satisfy the 5-year ownership rule, and at least one buyer must satisfy the 12-month residence rule.

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ACT Home Buyer Concession Scheme

For transactions from 1 July 2026, the concession is straightforward:

Property valueConcessionYou pay
Home — any valueFull exemption$0 duty
Vacant residential land — any valueFull exemption$0 duty

Important: The scheme is not limited to literal first-home buyers. It can apply if all buyers and their domestic partners have not owned property anywhere in the previous 5 years and the remaining eligibility rules are met.

Eligibility requirements
→ Every buyer is an individual aged 18 or over
→ All buyers and their domestic partners have not owned property anywhere in the previous 5 years
→ Move into the property within 12 months of settlement
→ Live there as your principal residence for at least 12 continuous months
→ Property must be residential (not commercial)

There is no income test for transaction dates from 1 July 2026. Eligibility is self-assessed, so buyers should verify every requirement before claiming the concession.

FAQ
What if I owned property 6 years ago?
You're eligible - the 5-year rule means you can't have owned property in the last 5 years. Ownership before that doesn't disqualify you.
Is there a property value or income threshold?
No. For transaction dates from 1 July 2026, both the property value limit and income threshold have been removed. Eligible homes and vacant residential land pay no conveyance duty regardless of value.
Is there a First Home Owner Grant in ACT?
The ACT's First Home Owner Grant was discontinued in 2019. The Home Buyer Concession Scheme replaced it with stamp duty savings instead of cash grants.

Tax Accuracy & Sources

Tax year: 2026-27

Estimates ACT conveyance duty savings under the Home Buyer Concession Scheme for transaction dates from 1 July 2026. Assumes all buyers satisfy the age, prior-property and residence rules. Includes FY2026-27 transfer and mortgage registration fees; does not cover partial interests or commercial property.

Planning your first home purchase?

Compare stamp duty concessions, grants, and FHSS savings across all Australian states in one place.

View the First-Home Buyer Guide →

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ACT HBCS rules and registration fees checked against official sources on 18 July 2026.

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