NSW vs Queensland: Stamp Duty Comparison

With many Australians relocating from Sydney to Brisbane, understanding stamp duty differences is crucial. Compare the transfer duty you'd pay in NSW versus Queensland.

Queensland offers a "home concession" for owner-occupiers that significantly reduces stamp duty. First home buyers in QLD also benefit from full exemption on new homes with no upper limit.

Scenario A: New South Wales

Scenario B: Queensland

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01 —INPUTS
Saves Duty
Queensland saves $8,562.00 in stamp duty compared to New South Wales.
02 —RESULTS

Scenario A

New South Wales

2025-26 stamp duty rates

$
Stamp Duty$28,162.00
%
Deposit Amount$150,000.00
!
Government Fees$28,482.38
Σ
Total Cash Needed$178,482.38
Effective duty rate:3.75%

Scenario B

Queensland
Home concession rates apply for principal residence

2025-26 stamp duty rates

$
Stamp Duty$19,600.00
%
Deposit Amount$150,000.00
!
Government Fees$22,624.75
Σ
Total Cash Needed$172,624.75
Effective duty rate:2.61%
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 state has lower stamp duty, NSW or Queensland?
Queensland generally has lower stamp duty for owner-occupiers due to the home concession rates. For a $750,000 property, QLD home concession can save several thousand dollars compared to NSW general rates.
What is the Queensland home concession?
Queensland offers reduced "home concession" rates for buyers who will live in the property as their principal residence. The concession applies to the full property value, unlike Victoria which caps concession rates at $550,000.
Do QLD first home buyers pay stamp duty on new homes?
No, Queensland first home buyers pay zero stamp duty on new homes regardless of the property value. For established homes, full exemption applies up to $700,000 with a sliding scale to $800,000.
Should I factor in other costs when comparing states?
Yes, consider land transfer fees (QLD fees scale with property value), mortgage registration, conveyancing costs, and ongoing costs like land tax and council rates which differ between states.

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.