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

Stamp duty on a $400,000 property in Queensland is estimated at $12,425. Including transfer and mortgage registration fees, upfront government costs are about $13,945. This page breaks down each amount and shows concession scenarios.

Stamp duty in Queensland

Queensland's transfer duty uses a progressive bracket system with a separate home concession rate for owner-occupiers. The home concession rate is significantly lower than the general rate — on a $600,000 property, the home concession saves about $7,175. Queensland's First Home Owner Grant is $30,000 for new homes, one of the most generous in Australia.

Policy note: Queensland's $30,000 First Home Owner Grant (for new homes up to $750,000) is the highest in Australia. Combined with stamp duty concessions for homes up to $700,000, first home buyers purchasing new builds can save over $40,000 in government costs compared to investors.
Foreign buyer surcharge: Queensland applies an 8% Additional Foreign Acquirer Duty (AFAD) surcharge on foreign buyers (increased from 7% on 1 July 2024).
Stamp duty $12,425.00 QLD transfer duty on $400,000
Effective rate 3.11%
Total upfront $13,945.00
Transfer fee $1,272.00

Cost Breakdown

Purchase price $400,000
Stamp duty (QLD) $12,425.00
Home Concession duty $5,250.00
Transfer registration fee $1,272.00
Mortgage registration fee $248.00
Total upfront government costs $13,945.00
Effective stamp duty rate 3.11%

First Home Buyer Concession

Standard stamp duty $12,425.00
First home buyer duty $0.00
FHB saving $12,425.00

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

Compare Nearby Prices in QLD

Price Stamp Duty Effective Rate
$350,000 $10,675.00 3.05%
$400,000 $12,425.00 3.11%
$450,000 $14,175.00 3.15%

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 QLD?
Stamp duty on a $400,000 property in Queensland is $12,425. This represents an effective stamp duty rate of 3.11% of the purchase price. Including transfer and mortgage registration fees, total upfront government costs are $13,945.
What are the total upfront costs on a $400k property in QLD?
For a $400,000 property in Queensland, total upfront government costs are approximately $13,945. This includes stamp duty of $12,425, a transfer registration fee of $1,272, and a mortgage registration fee of $248.
Can first home buyers get a stamp duty concession on $400k in QLD?
Yes. First home buyers purchasing a $400,000 property in Queensland may pay no stamp duty (full exemption), saving $12,425 compared to the standard rate. Eligibility conditions apply — use our QLD First Home Buyer calculator for details.
What is the Home Concession stamp duty on $400k in QLD?
The Home Concession stamp duty on a $400,000 property in Queensland is $5,250, saving $7,175 compared to the general/investor rate of $12,425.
How is stamp duty calculated in QLD?
Queensland 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 QLD Stamp Duty Calculator for a detailed breakdown.

Need a detailed calculation?

Our interactive QLD 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 QLD First Home Buyer Calculator.

Related calculators

QLD Stamp Duty Calculator Estimate transfer duty in Queensland QLD First Home Buyer FHB exemption - new homes any price Transfer Duty Calculator Queensland Queensland transfer duty on property purchase 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
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%