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Stamp Duty on $400,000 in Northern Territory (2025-26)

Stamp duty on a $400,000 property in Northern Territory is estimated at $16,514. Including transfer and mortgage registration fees, upfront government costs are about $16,876. This page breaks down each amount and shows concession scenarios.

Stamp duty in Northern Territory

The Northern Territory's old stamp-duty-value discount for owner-occupiers (formerly the First Home Owner Discount) ended in 2021 — first home buyer support now comes mainly through cash grants and a targeted duty exemption. The House and Land Package Exemption (HLPE) gives a full stamp duty exemption, with no value cap, on eligible house-and-land packages from a registered builder, running until 30 June 2027. The HomeGrown First Home Owner Grant is $50,000 for new homes on contracts signed by 30 September 2026, reverting to $10,000 after that date.

Policy note: The NT's $50,000 HomeGrown grant is a cash payment, not a stamp duty concession — it is paid on top of any duty payable, unless the purchase also qualifies for the separate House and Land Package Exemption (HLPE), which removes stamp duty entirely on an eligible house-and-land package. Combined with already-lower property prices, the NT often has the lowest effective cost of buying a first home in Australia.
Stamp duty $16,514.00 NT transfer duty on $400,000
Effective rate 4.13%
Total upfront $16,876.00
Transfer fee $181.00

Cost Breakdown

Purchase price $400,000
Stamp duty (NT) $16,514.00
Transfer registration fee $181.00
Mortgage registration fee $181.00
Total upfront government costs $16,876.00
Effective stamp duty rate 4.13%

First Home Buyer Concession

Standard stamp duty $16,514.00
First home buyer duty $16,514.00
FHB saving $0.00

Use our NT First Home Buyer Calculator to check eligibility and get a detailed breakdown.

Compare Nearby Prices in NT

Price Stamp Duty Effective Rate
$350,000 $13,300.00 3.80%
$400,000 $16,514.00 4.13%
$450,000 $20,057.00 4.46%

Compare $400,000 Across States

Buying in this price range

Properties under $500,000 are typically entry-level — units, apartments, or houses in regional areas and outer suburbs. At this price point, first home buyer concessions and grants have the most impact, potentially eliminating stamp duty entirely in several states. The upfront government costs at this level are a smaller proportion of the purchase price, but still represent a significant cash outlay alongside your deposit.

First Home Buyer relief is strongest here

Most states offer full stamp duty exemption or significant concessions at this price point. NSW exempts purchases under $800,000, VIC under $600,000, QLD under $700,000 (established homes; new homes and vacant land to build have no price cap), and SA (new homes, off-the-plan homes and vacant land to build, with no price cap since June 2024). Always check the specific threshold for your state — small differences in price can mean thousands in savings.

Factor stamp duty into your deposit

Even with concessions, you need cash for transfer and mortgage registration fees, conveyancing, and building inspections. Budget 2-3% of the purchase price for total upfront costs beyond the deposit. On a $400,000 property, that is $8,000-$12,000.

Typical buyers: First home buyers, downsizers, regional buyers, and apartment purchasers in capital cities.

Frequently asked questions

How much is stamp duty on a $400,000 property in NT?
Stamp duty on a $400,000 property in Northern Territory is $16,514. This represents an effective stamp duty rate of 4.13% of the purchase price. Including transfer and mortgage registration fees, total upfront government costs are $16,876.
What are the total upfront costs on a $400k property in NT?
For a $400,000 property in Northern Territory, total upfront government costs are approximately $16,876. This includes stamp duty of $16,514, a transfer registration fee of $181, and a mortgage registration fee of $181.
Do first home buyers get a discount on $400k in NT?
At $400,000, first home buyer concessions in Northern Territory do not reduce the stamp duty amount. The concession thresholds are below this price point. Standard stamp duty of $16,514 applies.
How is stamp duty calculated in NT?
Northern Territory uses a progressive bracket system for stamp duty. The rate increases as the property value rises, similar to income tax brackets. Only the portion of the price within each bracket is taxed at that bracket's rate. Use our interactive NT Stamp Duty Calculator for a detailed breakdown.

Need a detailed calculation?

Our interactive NT Stamp Duty Calculator lets you enter any property value and see a full breakdown of duty, fees, and concessions.

First home buyer? Check your eligibility with the NT First Home Buyer Calculator.

Related calculators

NT Stamp Duty Calculator Estimate stamp duty in Northern Territory NSW Stamp Duty Calculator Estimate transfer duty, fees and deposits in NSW NSW First Home Buyer FHB stamp duty exemption up to $800k VIC Stamp Duty Calculator Estimate land transfer duty in Victoria VIC First Home Buyer FHB duty exemption up to $600k QLD Stamp Duty Calculator Estimate transfer duty in Queensland
State Stamp Duty Effective Rate
NSW $12,187.00 3.05%
VIC $19,070.00 4.77%
QLD $12,425.00 3.11%
SA $16,330.00 4.08%
WA $13,015.00 3.25%
TAS $13,998.00 3.50%
NT $16,514.00 4.13%
ACT $8,000.00 2.00%