QLD stamp duty calculator
Enter a price and see the transfer duty you will owe in Queensland, including first home buyer relief. Nothing you type is sent anywhere.
Use the contract price, or the market value if that is higher.
QLD transfer duty — 2026-27
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How transfer duty works in Queensland
Queensland is the cheapest of the big three states for stamp duty. It also has a separate, much lower home concession schedule for anyone buying a place to live in. Since 1 May 2025, first home buyers who buy or build a brand new home pay no duty at all, whatever it costs.
Duty is marginal, the same way income tax is. You do not pay one rate on the whole price. Each slice of the price is taxed at its own rate, and the results are added together. That is why the effective rate you pay is always lower than the top bracket you land in.
First home buyers in QLD: New homes: $0 duty at any price. Full exemption on homes up to $700,000, with a reducing concession up to $800,000. Vacant land exempt to $350,000, concession to $500,000. Read the full rules on the QLD first home buyer page.
QLD stamp duty rates for 2026-27
| Dutiable value | Duty payable |
|---|---|
| Up to $5,000 | $0 flat |
| $5,001 to $75,000 | $0 plus 1.5% of the amount over $5,000 |
| $75,001 to $540,000 | $1,050 plus 3.5% of the amount over $75,000 |
| $540,001 to $1,000,000 | $17,325 plus 4.5% of the amount over $540,000 |
| Over $1,000,000 | $38,025 plus 5.75% of the amount over $1,000,000 |
| Property value | Duty payable |
|---|---|
| Up to $350,000 | 1% of the price |
| $350,001 to $540,000 | $3,500 plus 3.5% of the amount over $350,000 |
| $540,001 to $1,000,000 | $10,150 plus 4.5% of the amount over $540,000 |
| Over $1,000,000 | $30,850 plus 5.75% of the amount over $1,000,000 |
There is no premium bracket. The top rate is 5.75% on the part of the price above $1,000,000.
What you would pay at common prices
These figures use the 2026-27 rates above for an existing home bought by an Australian resident. Your own figure can differ if a concession applies.
| Purchase price | Owner-occupier | Investor | First home buyer |
|---|---|---|---|
| $400,000 | $5,250 | $12,425 | $0 |
| $500,000 | $8,750 | $15,925 | $0 |
| $600,000 | $12,850 | $20,025 | $0 |
| $700,000 | $17,350 | $24,525 | $0 |
| $800,000 | $21,850 | $29,025 | $21,850 |
| $900,000 | $26,350 | $33,525 | $26,350 |
| $1,000,000 | $30,850 | $38,025 | $30,850 |
| $1,200,000 | $42,350 | $49,525 | $42,350 |
| $1,500,000 | $59,600 | $66,775 | $59,600 |
Costs people forget to budget for
Stamp duty is the biggest government cost, but it is not the only one. On a $900,000 purchase in QLD you would also plan for roughly $290 in transfer and mortgage registration fees, plus:
- Conveyancing or legal fees — usually $1,000 to $2,500.
- Building and pest inspection — around $400 to $800 for a house.
- Lenders mortgage insurance — if your deposit is under 20%, this can run to tens of thousands.
- Council and water adjustments — you repay the seller for rates they have already paid.
A rough rule: for a $900,000 home in QLD, set aside about $26,640 for government costs alone, then add professional fees on top.
Common questions
How much is stamp duty on a $900,000 property in QLD?
About $26,350 for an owner-occupier buying an existing home at 2026-27 rates. A first home buyer would pay $26,350 at that price. Registration fees of roughly $290 are on top.
When do I pay transfer duty in QLD?
Duty is usually paid at settlement, and your conveyancer or solicitor arranges it. Your lender will not release the loan until it is sorted, so budget for it as a cash cost alongside your deposit. Confirm the exact deadline with Queensland Revenue Office, because it differs by state.
Can I add transfer duty to my home loan?
Usually not directly. Stamp duty is an upfront cost that most lenders expect you to pay from your own savings, because it is not part of the property's value. Some buyers borrow more against a larger deposit to cover it, but that depends on the lender and your loan-to-value ratio.
Do I pay duty on the price or the valuation?
You pay on whichever is higher, the price you agreed or the market value of the property. This stops people from cutting the tax by selling to family below market rates.
Is there a foreign buyer surcharge in QLD?
Yes. Foreign buyers pay an extra 8% of the property value on top of normal duty.
Check another state
- NSW stamp duty
New South Wales
- VIC stamp duty
Victoria
- WA stamp duty
Western Australia
- SA stamp duty
South Australia
- TAS stamp duty
Tasmania
- ACT stamp duty
Australian Capital Territory
- NT stamp duty
Northern Territory
Source: Queensland Revenue Office — official transfer duty rates. Rates checked 28 July 2026. This calculator gives an estimate only and is not financial or legal advice. Confirm the amount payable with Queensland Revenue Office or your conveyancer.