Stamp Duty · Calculator

Stamp Duty on $700,000 in Australian Capital Territory (2025-26)

Stamp duty on a $700,000 property in Australian Capital Territory is estimated at $20,040. Including transfer and mortgage registration fees, upfront government costs are about $20,607. This page breaks down each amount and shows concession scenarios.

Stamp duty in Australian Capital Territory

The ACT is progressively abolishing stamp duty, replacing it with higher annual land rates (essentially a property tax). Duty rates are being reduced each year as part of a multi-decade transition. The ACT also offers an owner-occupier concession and has the Home Buyer Concession Scheme providing full stamp duty exemption for homes up to $1 million (income-tested).

Policy note: The ACT's stamp duty abolition means rates are already lower than comparable prices in NSW or VIC. The Home Buyer Concession Scheme (income threshold ~$170,000 for individuals, ~$250,000 for couples) can provide full duty exemption on properties up to $1 million. However, ongoing land rates are higher than in other jurisdictions.
Foreign buyer surcharge: The ACT does not currently impose a foreign buyer stamp duty surcharge, though foreign owners may face higher land tax rates.
Stamp duty $20,040.00 ACT transfer duty on $700,000
Effective rate 2.86%
Total upfront $20,607.00
Transfer fee $400.00

Cost Breakdown

Purchase price $700,000
Stamp duty (ACT) $20,040.00
Owner-Occupier duty $17,048.00
Transfer registration fee $400.00
Mortgage registration fee $167.00
Total upfront government costs $20,607.00
Effective stamp duty rate 2.86%

First Home Buyer Concession

Standard stamp duty $20,040.00
First home buyer duty $0.00
FHB saving $20,040.00

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

Compare Nearby Prices in ACT

Price Stamp Duty Effective Rate
$650,000 $17,880.00 2.75%
$700,000 $20,040.00 2.86%
$750,000 $22,200.00 2.96%

Compare $700,000 Across States

Buying in this price range

The $500,000 to $800,000 range covers established houses in middle suburbs and larger apartments. Many first home buyer concessions phase out in this band — NSW FHB concessions taper between $800,000 and $1,000,000, VIC between $600,000 and $750,000. This is where stamp duty starts to feel substantial: at $700,000 in NSW, duty is approximately $27,000, equivalent to several years of savings for many buyers.

FHB concessions phase out — check your threshold

Several states apply sliding scale concessions in this range. In VIC, the FHB concession phases from full exemption at $600,000 to zero at $750,000. In NSW, concessions apply up to $1,000,000. A property priced $10,000 above a threshold can cost thousands more in duty — negotiate the purchase price with this in mind.

Stamp duty vs higher deposit trade-off

At $700,000, stamp duty in most states is $15,000-$30,000. This is money that cannot go toward your deposit, potentially pushing you into Lenders Mortgage Insurance (LMI) territory. Some lenders allow stamp duty to be capitalised into the loan, but this increases your total interest cost.

Owner-occupier vs investor rates differ

In VIC (PPR concession) and QLD (Home Concession), owner-occupiers pay significantly less duty than investors. On a $700,000 property in QLD, the home concession saves approximately $8,000. Make sure your conveyancer applies the correct rate.

Typical buyers: Upgraders, young families, first home buyers near capital cities, and established professionals purchasing their second property.

Frequently asked questions

How much is stamp duty on a $700,000 property in ACT?
Stamp duty on a $700,000 property in Australian Capital Territory is $20,040. This represents an effective stamp duty rate of 2.86% of the purchase price. Including transfer and mortgage registration fees, total upfront government costs are $20,607.
What are the total upfront costs on a $700k property in ACT?
For a $700,000 property in Australian Capital Territory, total upfront government costs are approximately $20,607. This includes stamp duty of $20,040, a transfer registration fee of $400, and a mortgage registration fee of $167.
Can first home buyers get a stamp duty concession on $700k in ACT?
Yes. First home buyers purchasing a $700,000 property in Australian Capital Territory may pay no stamp duty (full exemption), saving $20,040 compared to the standard rate. Eligibility conditions apply — use our ACT First Home Buyer calculator for details.
What is the Owner-Occupier stamp duty on $700k in ACT?
The Owner-Occupier stamp duty on a $700,000 property in Australian Capital Territory is $17,048, saving $2,992 compared to the general/investor rate of $20,040.
How is stamp duty calculated in ACT?
Australian Capital 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 ACT Stamp Duty Calculator for a detailed breakdown.

Need a detailed calculation?

Our interactive ACT 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 ACT First Home Buyer Calculator.

Related calculators

ACT Stamp Duty Calculator Estimate conveyance duty in Canberra ACT First Home Buyer FHB exemption up to $1.02m 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
State Stamp Duty Effective Rate
NSW $25,912.00 3.70%
VIC $37,070.00 5.30%
QLD $24,525.00 3.50%
SA $32,330.00 4.62%
WA $27,265.00 3.90%
TAS $26,748.00 3.82%
NT $34,650.00 4.95%
ACT $20,040.00 2.86%