Compare Stamp Duty: All Australian States

Stamp duty varies significantly across Australia. Whether you're relocating interstate or comparing investment opportunities, use this calculator to compare transfer duty between any two states.

Each state has different rate structures, thresholds, and concessions. Some states offer owner-occupier discounts, others have unique first home buyer benefits. This tool helps you make informed decisions.

Scenario A: State A

Scenario B: State B

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01 —INPUTS
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State B pays $12,658.00 more in stamp duty compared to State A.
02 —RESULTS

Scenario A

State A

2025-26 stamp duty rates

$
Stamp Duty$30,412.00
%
Deposit Amount$160,000.00
!
Government Fees$30,732.38
Σ
Total Cash Needed$190,732.38
Effective duty rate:3.80%

Scenario B

State B
Lower rates apply up to $550,000 for principal residence

2025-26 stamp duty rates

$
Stamp Duty$43,070.00
%
Deposit Amount$160,000.00
!
Government Fees$45,169.70
Σ
Total Cash Needed$205,169.70
Effective duty rate:5.38%
03 —BREAKDOWN

This calculator provides estimates only and does not constitute financial advice. Actual amounts may vary. Consult a conveyancer or solicitor for accurate costs.

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How to use this comparison

  1. Review the pre-filled scenarios — we've set up realistic defaults for comparison
  2. Adjust the property price — enter your actual or expected purchase price
  3. Compare the results — see the stamp duty difference highlighted at the top
  4. Share or bookmark — the URL updates as you change inputs

Frequently asked questions

Which Australian state has the lowest stamp duty?
It varies by property price and buyer type. Queensland and Victoria often have lower rates for owner-occupiers. The ACT has been progressively reducing stamp duty rates. For first home buyers, NSW has the highest exemption threshold at $800,000.
Do all states have first home buyer concessions?
Most states offer first home buyer stamp duty concessions, but SA and NT do not have specific stamp duty exemptions for first home buyers (though they may have other grants). All states offer the First Home Owner Grant for new homes.
What factors affect stamp duty besides the state?
Key factors include property price, buyer type (first home buyer or general), whether you'll live in the property (owner-occupier), property type (new vs established), and in WA, whether it's metro or regional.
Should stamp duty be my main consideration when choosing where to buy?
Stamp duty is a significant upfront cost but should be weighed against other factors: property prices, rental yields, capital growth potential, employment opportunities, lifestyle preferences, and ongoing costs like land tax and council rates.

Continue your property decision workflow

Understand the rules

Property sale compliance Review withholding and clearance obligations before settlement. Main residence exemption context Understand CGT interactions for future sale planning.

Compare alternatives

All states comparison Benchmark transfer duty across jurisdictions. FHB vs general buyer Quantify concession value around key thresholds.

Run the numbers

State calculator Move from comparison to state-specific estimate. Mortgage calculator Translate upfront duty into full borrowing impact.

Related Calculators

NSW Stamp Duty

Calculate NSW transfer duty with upfront cost estimator.

VIC Stamp Duty

Calculate Victoria land transfer duty.

QLD Stamp Duty

Calculate Queensland transfer duty with home concession.

Tax Accuracy & Sources

Reviewed: March 2026 · Tax year: 2026-27

This calculator is an estimate tool and may not cover all personal circumstances. For state-based taxes, confirm details with your state or territory revenue office.