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Stamp Duty Calculator QLD
Stamp Duty Calculator QLD
Written by
Tina Sendin
Edited by
Ellie Garran
Reviewed by
Sam HymanCompare home loans the easy way
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What is stamp duty?
Long story short
Stamp duty is a government tax on your property purchase
It’s a big cost on top of your deposit, with rates in QLD varying based on your property’s value. It’s a good idea to factor it into your budget.
First home buyers can get big concessions for homes under $800k
And if your first home’s valued at under $700k, you pay zero stamp duty.
Higher rates apply to homes over $1 million
So be prepared to pay a bigger stamp duty bill for million-dollar homes.
Home buyers (even if it’s not your first salvo) can also get a concession, but it’s less
You just need to meet the eligibility requirements for a home concession, which is a reduced stamp duty rate applying to the first $350,000 of your home’s price.
What is stamp duty?
Stamp duty (also known as transfer duty in Queensland) is a state-based tax that gets applied when certain assets, including houses and vehicles, are transferred from one owner to another.
In Queensland, it needs to be paid in full within 30 days of the liability date, so it’s definitely something you need to plan for. However, in practice, transfer documents must be stamped before settlement.
There are a few different factors that go into calculating stamp duty (also known as transfer duty), but to make it easier for you, we’ve made a handy calculator. Give it a whirl if you want to know how much stamp duty might set you back.
How much is stamp duty in QLD?
Stamp duty in Queensland is usually calculated as a percentage of the purchase price. There are many factors affecting the final amount, including things like:
- the type and value of the property
- the property’s location
- any concessions that might apply
- whether or not you’ll be living in the property
Queensland stamp duty rates
| Property value | Rate |
| Up to $5,000 | Nil |
| $5,000–75,000 | $1.50 for each $100, or part of $100, over $5,000 |
| $75,000–540,000 | $1,050 plus $3.50 for each $100, or part of $100, over $75,000 |
| $540,000–1,000,000 | $17,325 plus $4.50 for each $100, or part of $100, over $540,000 |
| $1,000,000 and above | $38,025 plus $5.75 for each $100, or part of $100, over $1,000,000 |
Source: Queensland Revenue Office – Transfer duty rates. Data retrieved December 2025.
Let’s do some maths. Say you’re planning to buy a property worth $500,000. Based on the table, you’ll have a stamp duty of $15,925.
How to calculate stamp duty for a $500,000 property
$500,000 (value of the property) – $75,000 = $425,000
Divided by 100 = $4,250
Multiplied by 3.50 = $14,875
Added to $1,050 = $15,925
What property types does stamp duty apply to in QLD?
In Queensland, the person buying the property is responsible for paying the stamp duty. And they’ll generally need to cough up stamp duty when buying or transferring:
- a home (yep, even if it’s your first one – although concessions could apply, as we’ll discuss shortly)
- an investment property
- land for farming
- dutiable business assets.
There are some cases, including divorce settlements, deceased estates, and gifts, when stamp duty might not apply, or have a reduced rate applied, but always check with a conveyancer or solicitor about your individual situation.
What stamp duty exemptions are available for first home buyers in QLD?
Buying your first home in Queensland? First of all, congratulations – how exciting! Second of all, you’ll be happy to know that you can get several concessions on your stamp duty! Here are stamp duty exemptions and concessions available for first home buyers in the Sunshine State.
Home concession
You can actually get the home concession whether or not you’re a first home buyer! You just need to meet the requirements, which include:
- legally buying the property as an individual
- moving in within a year of purchase.
The home concession is a reduced stamp duty rate that applies to the first $350,000 of the home price. The regular rate then applies to the rest. If you’re eligible for this concession, you could save up to $7,175.
And you’re in luck – if you’re a first home buyer, you can likely add other concessions on top of this one.
First home concession
The first home concession applies to homes valued up to $800,000 and eligible first home buyers can save up to $24,525.
If your home is under $700,000, you won’t have to pay any stamp duty at all. If your home is $800,000 or over, the first home concession won’t apply, but the home concession still might.
To be eligible for the first home concession, you need to:
- be legally buying the home as an individual (rather than a trust or a company)
- have never owned another residence in Australia, including holding interest in or partly owning a residence
- be at least 18 years old
- move into the property within one year of settlement
- not sell, lease, or transfer any part of the property before you move into it
- pay market value if the property is valued between $700,001 and $799,999
- not have already claimed the first home vacant land concession.
Let’s look at some examples for differently priced homes.
First home concession examples
| Property price or value | Concession (to be deducted from the amount calculated using the home concession rate) |
| $705,000 | $17,350 |
| $715,000 | $15,615 |
| $725,000 | $13,880 |
| $735,000 | $12,145 |
| $745,000 | $10,410 |
| $755,000 | $8,675 |
| $765,000 | $6,940 |
| $775,000 | $5,205 |
| $785,000 | $3,470 |
| $795,000 | $1,735 |
| $805,000 | Nil |
Source: Queensland Revenue Office – Transfer duty home concession rates. Data retrieved December 2025.
First home (new home) concession
Here’s one for first-time buyers who have signed the dotted line from 1 May 2025 onwards. The Queensland government has introduced a first home concession for buyers of newly built homes, homes that have undergone substantial renovations, or vacant lands. Buyers can enjoy zero stamp duty regardless of the value of the property. Yes – even if it costs more than $800,000!
First home vacant land concession
If you’ve signed your contract after 1 May 2025, then you won’t likely have to worry about stamp duty on vacant land. The Queensland government says it’s free for eligible first home buyers, regardless of the value of your property!
Helpful tip
It’s important to know that the first home concession is separate to the First Home Owner Grant. If you meet all the requirements, you might be able to claim more than one! It’s worth talking to you mortgage broker, solicitor, or conveyancer to check your eligibility for any concession and grant. Being able to apply one (or multiple – lucky you!) could be a welcome boost to your budget.
Sam Hyman
General Manager – National Sales, Aussie
What if I don’t qualify for first home buyer concessions?
If this isn’t your first rodeo when it comes to buying a home (and you can honestly say, ‘yep, been there, done that’), you might be delighted to hear you could still be in for a home concession, which could save you up to $7,175 on stamp duty. You just need to meet the requirements – like buying as an individual, and moving into the property within a year of buying.
What other fees might I need to pay besides stamp duty in QLD?
There are a lot of costs when it comes to buying a house in Queensland. So before you buy those season tickets to the Broncos, take a minute to check out some of the other fees and expenses you might need to pay when buying a home.
- Conveyancing: Conveyancing refers to the process of transferring ownership of a property from a seller to a buyer, usually with help from a solicitor or a conveyancer. In simple terms, a conveyancer or solicitor makes sure that both the buyer and the seller do what they agree to do in the contract of sale, for example, paying off any outstanding strata fees, making repairs, or removing rubbish from the land. In Queensland, conveyancing usually costs between $500 and $1,300 (depending on the provider) plus disbursements.
- Mortgage registration fee: Mortgage registration fees are paid to the state government to register the physical property as the security on your home loan. These fees go towards making sure all your documentation is properly lodged, including any transfers and mortgages. Each state is different, but in Queensland the mortgage registration fee is currently $224.32 as of October 2025. Fees are updated annually.
- Transfer registration fee: When you buy a property, there’s a legal document that makes the transfer from the seller to you official. The Queensland state government charges a fee to manage that registration transfer. This fee can vary depending on the dutiable value of your property, your own personal exemptions or whether you’re dealing with state land.
Frequently asked questions
When is stamp duty payable in QLD?
You’ve usually got 30 days from when the paperwork’s signed to get it lodged for stamping. And before you can wrap up the transfer, you’ll need to have everything stamped and any duty paid.
Most banks won’t settle unless the transfer’s been stamped. So if you’re taking out a loan, it’s worth getting your ducks (docs) in a row well before settlement day.
Do foreign buyers have to pay stamp duty in QLD?
For foreign buyers, the rate of additional duty (on top of stamp duty) in QLD is 8%. In QLD, this is also known as additional foreign acquirer duty (AFAD). This additional rate applies not only to foreign individual buyers but also to foreign corporations and trusts.
Can I get a home loan that covers stamp duty?
Much like the rest of Australia, stamp duty is an up-front cost in Queensland. There may be some lenders that would be willing to increase the amount of your home loan to cover the stamp duty, if you wish to go down that road.
Is stamp duty tax deductible in QLD?
Stamp duty isn’t something you can claim back on your tax return. But here’s the silver lining: because it’s part of what you fork out when buying your place, it can actually help reduce the capital gains tax you might owe down the track if you sell and make a profit.
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