# Australian stamp duty and home buyer figures

Published by Raynor Lending Solutions (https://raynorlendingsolutions.com.au/). Author: Jai Raynor, principal broker (https://raynorlendingsolutions.com.au/about.html).

- Web page: https://raynorlendingsolutions.com.au/lending-reference/
- All figures (JSON): https://raynorlendingsolutions.com.au/lending-reference/data.json
- Duty at common prices (CSV): https://raynorlendingsolutions.com.au/lending-reference/duty-at-common-prices.csv
- Dataset version: f185ac7f7081

> General information only, not personal financial or credit advice. Figures are calculated from published state and territory rules for the scenarios shown. They do not confirm eligibility for any concession or scheme, assess borrowing capacity or replace a quote from a conveyancer or the relevant revenue office.

Every figure is calculated by the same engine and rules data that run the Cost to Complete calculator on this site. Each rule records its official source and the date it was checked. Worked examples show each line with the engine's own explanation, and examples marked as matching an official example reproduce a revenue office's published calculation.

Not included:

- Foreign purchaser surcharge duty and land tax.
- Off-the-plan, pensioner, senior and other special concessions not listed on each state page.
- First home owner grants and other cash grants, which are paid separately and do not reduce duty.
- Eligibility conditions such as residence periods, citizenship, prior ownership and income tests. The first home figures assume every condition is met.
- Conveyancing, lender, inspection and insurance costs.

Buyer types in the tables:

- Investor: Buying an established property to rent out. General transfer duty rates, no home or first home concessions.
- Home buyer: Buying an established home to live in, not a first home buyer. Includes any owner-occupier concession the state offers.
- First home buyer, established home: An eligible first home buyer buying an established home to live in.
- First home buyer, new home: An eligible first home buyer buying a brand-new home to live in.

## Comparing states

**Which state has the lowest stamp duty for a first home buyer on a $750,000 home?**
For an established home, New South Wales and the Australian Capital Territory charge no duty and Victoria charges the most, $40,070. For a new home, Queensland, New South Wales, South Australia and the Australian Capital Territory charge no duty.

**Which state has the highest stamp duty on a $750,000 investment property?**
Victoria charges the most, $40,070, and the Australian Capital Territory the least, $22,200.

## Queensland

In Queensland, transfer duty on a $750,000 established home is $26,775 for an investor and $19,600 for a home buyer who will live in it.
An eligible first home buyer pays $10,925 on an established home at that price and no duty on a new home.

- Web page: https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-qld.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/qld.json
- Rules checked against official sources: 26 September 2026

### Common questions

**How much stamp duty does a first home buyer pay on a $750,000 home in Queensland?**
An eligible first home buyer pays $10,925 on an established home and no duty on a new home at $750,000. An investor buying the same established home pays $26,775.

**Do first home buyers pay stamp duty in Queensland?**
Yes, unless a concession applies. Under the first home concession, an eligible first home buyer pays no duty on an established home up to $700,000, with a concession up to $800,000; no duty on a new home at any price; and no duty on vacant land at any price. Eligibility conditions apply.

**How much is stamp duty on a $1,000,000 home in Queensland?**
Transfer duty on a $1,000,000 established home is $38,025 for an investor and $30,850 for a home buyer who will live in it.

**How is stamp duty calculated in Queensland?**
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $17,325 plus $4.50 per $100 or part of $100 over $540,000. A home buyer who will live in it pays $19,600 at that price, using the lower owner-occupier rates. Any first home concession is then taken off.

### Transfer duty at common prices

| Price | Investor | Home buyer | First home, established | First home, new |
| --- | ---: | ---: | ---: | ---: |
| $300,000 | $8,925 | $3,000 | $0 | $0 |
| $350,000 | $10,675 | $3,500 | $0 | $0 |
| $400,000 | $12,425 | $5,250 | $0 | $0 |
| $450,000 | $14,175 | $7,000 | $0 | $0 |
| $500,000 | $15,925 | $8,750 | $0 | $0 |
| $550,000 | $17,775 | $10,600 | $0 | $0 |
| $600,000 | $20,025 | $12,850 | $0 | $0 |
| $650,000 | $22,275 | $15,100 | $0 | $0 |
| $700,000 | $24,525 | $17,350 | $0 | $0 |
| $750,000 | $26,775 | $19,600 | $10,925 | $0 |
| $800,000 | $29,025 | $21,850 | $21,850 | $0 |
| $850,000 | $31,275 | $24,100 | $24,100 | $0 |
| $900,000 | $33,525 | $26,350 | $26,350 | $0 |
| $950,000 | $35,775 | $28,600 | $28,600 | $0 |
| $1,000,000 | $38,025 | $30,850 | $30,850 | $0 |
| $1,050,000 | $40,900 | $33,725 | $33,725 | $0 |
| $1,100,000 | $43,775 | $36,600 | $36,600 | $0 |
| $1,150,000 | $46,650 | $39,475 | $39,475 | $0 |
| $1,200,000 | $49,525 | $42,350 | $42,350 | $0 |
| $1,250,000 | $52,400 | $45,225 | $45,225 | $0 |
| $1,300,000 | $55,275 | $48,100 | $48,100 | $0 |
| $1,350,000 | $58,150 | $50,975 | $50,975 | $0 |
| $1,400,000 | $61,025 | $53,850 | $53,850 | $0 |
| $1,450,000 | $63,900 | $56,725 | $56,725 | $0 |
| $1,500,000 | $66,775 | $59,600 | $59,600 | $0 |
| $1,750,000 | $81,150 | $73,975 | $73,975 | $0 |
| $2,000,000 | $95,525 | $88,350 | $88,350 | $0 |

### General transfer duty rates

| Dutiable value | Duty |
| --- | ---: |
| Up to $5,000 | No duty |
| Over $5,000 up to $75,000 | $1.50 per $100 or part of $100 over $5,000 |
| Over $75,000 up to $540,000 | $1,050 plus $3.50 per $100 or part of $100 over $75,000 |
| Over $540,000 up to $1,000,000 | $17,325 plus $4.50 per $100 or part of $100 over $540,000 |
| Over $1,000,000 | $38,025 plus $5.75 per $100 or part of $100 over $1,000,000 |

Source: https://qro.qld.gov.au/duties/transfer-duty/rates/, checked 26 September 2026.

### QLD home concession

Concessional duty rate of $1 per $100 on the first $350,000 for a home you move into and live in.

| Dutiable value | Duty |
| --- | ---: |
| Up to $350,000 | $1 per $100 or part of $100 |
| Over $350,000 up to $540,000 | $3,500 plus $3.50 per $100 or part of $100 over $350,000 |
| Over $540,000 up to $1,000,000 | $10,150 plus $4.50 per $100 or part of $100 over $540,000 |
| Over $1,000,000 | $30,850 plus $5.75 per $100 or part of $100 over $1,000,000 |

Source: https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/, checked 9 July 2026.

### First home buyers: First home concession

Additional concession for eligible first home buyers, applied after the home concession rate. Full concession up to $700,000, phasing out to nil at $800,000 (contracts from 9 June 2024). New homes: duty reduced to nil with no cap (contracts from 1 May 2025).

- Note: From 1 August 2026, Queensland's home and first home duty concessions require buyers to be Australian citizens, permanent residents or specified foreign retirees. If you sign on or after that date and don't meet that test, the concession shown here may not apply.

Source: https://qro.qld.gov.au/duties/transfer-duty/calculate/concession-rates/, checked 9 July 2026.

### Scheme property price caps

| Scheme | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| 5% Deposit Scheme | $1,000,000 | $700,000 |
| Help to Buy | $1,000,000 | $700,000 |

Mortgage registration fee: $248.04 (source: https://www.titlesqld.com.au/wp-content/uploads/2026/05/Titles-Registry-Fees_FY-2026-to-2027.pdf).

## New South Wales

In New South Wales, transfer duty on a $750,000 established home is $27,937 for an investor or a home buyer who is not a first home buyer.
An eligible first home buyer pays no duty at that price, whether the home is established or new.

- Web page: https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-nsw.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/nsw.json
- Rules checked against official sources: 26 September 2026

### Common questions

**How much stamp duty does a first home buyer pay on a $750,000 home in New South Wales?**
An eligible first home buyer pays no duty on an established home and no duty on a new home at $750,000. An investor buying the same established home pays $27,937.

**Do first home buyers pay stamp duty in New South Wales?**
Yes, unless a concession applies. Under the First Home Buyers Assistance Scheme, an eligible first home buyer pays no duty on an established home up to $800,000, with a concession up to $1,000,000; no duty on a new home up to $800,000, with a concession up to $1,000,000; and no duty on vacant land up to $350,000, with a concession up to $450,000. Eligibility conditions apply.

**How much is stamp duty on a $1,000,000 home in New South Wales?**
Transfer duty on a $1,000,000 established home is $39,187, whether you're an investor or will live in it.

**How is stamp duty calculated in New South Wales?**
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $11,602 plus $4.50 per $100 or part of $100 over $387,000. Any first home concession is then taken off.

### Transfer duty at common prices

| Price | Investor | Home buyer | First home, established | First home, new |
| --- | ---: | ---: | ---: | ---: |
| $300,000 | $8,557 | $8,557 | $0 | $0 |
| $350,000 | $10,307 | $10,307 | $0 | $0 |
| $400,000 | $12,187 | $12,187 | $0 | $0 |
| $450,000 | $14,437 | $14,437 | $0 | $0 |
| $500,000 | $16,687 | $16,687 | $0 | $0 |
| $550,000 | $18,937 | $18,937 | $0 | $0 |
| $600,000 | $21,187 | $21,187 | $0 | $0 |
| $650,000 | $23,437 | $23,437 | $0 | $0 |
| $700,000 | $25,687 | $25,687 | $0 | $0 |
| $750,000 | $27,937 | $27,937 | $0 | $0 |
| $800,000 | $30,187 | $30,187 | $0 | $0 |
| $850,000 | $32,437 | $32,437 | $9,796.75 | $9,796.75 |
| $900,000 | $34,687 | $34,687 | $19,593.50 | $19,593.50 |
| $950,000 | $36,937 | $36,937 | $29,390.25 | $29,390.25 |
| $1,000,000 | $39,187 | $39,187 | $39,187 | $39,187 |
| $1,050,000 | $41,437 | $41,437 | $41,437 | $41,437 |
| $1,100,000 | $43,687 | $43,687 | $43,687 | $43,687 |
| $1,150,000 | $45,937 | $45,937 | $45,937 | $45,937 |
| $1,200,000 | $48,187 | $48,187 | $48,187 | $48,187 |
| $1,250,000 | $50,437 | $50,437 | $50,437 | $50,437 |
| $1,300,000 | $52,787 | $52,787 | $52,787 | $52,787 |
| $1,350,000 | $55,537 | $55,537 | $55,537 | $55,537 |
| $1,400,000 | $58,287 | $58,287 | $58,287 | $58,287 |
| $1,450,000 | $61,037 | $61,037 | $61,037 | $61,037 |
| $1,500,000 | $63,787 | $63,787 | $63,787 | $63,787 |
| $1,750,000 | $77,537 | $77,537 | $77,537 | $77,537 |
| $2,000,000 | $91,287 | $91,287 | $91,287 | $91,287 |

### General transfer duty rates

| Dutiable value | Duty |
| --- | ---: |
| Up to $18,000 | $1.25 per $100 or part of $100 |
| Over $18,000 up to $38,000 | $225 plus $1.50 per $100 or part of $100 over $18,000 |
| Over $38,000 up to $103,000 | $525 plus $1.75 per $100 or part of $100 over $38,000 |
| Over $103,000 up to $387,000 | $1,662 plus $3.50 per $100 or part of $100 over $103,000 |
| Over $387,000 up to $1,290,000 | $11,602 plus $4.50 per $100 or part of $100 over $387,000 |
| Over $1,290,000 up to $3,870,000 | $52,237 plus $5.50 per $100 or part of $100 over $1,290,000 |
| Over $3,870,000 | $194,137 plus $7 per $100 or part of $100 over $3,870,000 |

Minimum duty: $20.

Source: https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty/understanding-transfer-duty/calculate-transfer-duty, checked 26 September 2026.

### First home buyers: First Home Buyers Assistance Scheme

Full transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000.

Source: https://www.revenue.nsw.gov.au/property-professionals-resource-centre/guides-rulings-cpns/topics/first-home-buyers-assistance-scheme-guide/overview, checked 23 July 2026.

### Scheme property price caps

| Scheme | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| 5% Deposit Scheme | $1,500,000 | $800,000 |
| Help to Buy | $1,300,000 | $800,000 |

Mortgage registration fee: $182.73 (source: https://www.nswlrs.com.au/assets/f/1129775276948026/x/5fed3e7cd6/2026-2027_nsw-lrs-fees_final.pdf).

## Victoria

In Victoria, transfer duty on a $750,000 established home is $40,070 for an investor or a home buyer who is not a first home buyer.
There's no first home concession at that price, so a first home buyer pays the same.

- Web page: https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-vic.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/vic.json
- Rules checked against official sources: 26 September 2026

### Common questions

**How much stamp duty does a first home buyer pay on a $750,000 home in Victoria?**
$40,070. There's no first home concession in Victoria at $750,000, so a first home buyer pays the same as an investor, whether the home is established or new.

**Do first home buyers pay stamp duty in Victoria?**
Yes, unless a concession applies. Under the first home buyer duty exemption/concession, an eligible first home buyer pays no duty on an established home up to $600,000, with a concession up to $750,000; no duty on a new home up to $600,000, with a concession up to $750,000; and no duty on vacant land up to $600,000, with a concession up to $750,000. Eligibility conditions apply.

**How much is stamp duty on a $1,000,000 home in Victoria?**
Transfer duty on a $1,000,000 established home is $55,000, whether you're an investor or will live in it.

**How is stamp duty calculated in Victoria?**
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $2,870 plus $6 per $100 over $130,000. The lower owner-occupier rates don't apply at that price. Any first home concession is then taken off.

### Transfer duty at common prices

| Price | Investor | Home buyer | First home, established | First home, new |
| --- | ---: | ---: | ---: | ---: |
| $300,000 | $13,070 | $11,370 | $0 | $0 |
| $350,000 | $16,070 | $13,870 | $0 | $0 |
| $400,000 | $19,070 | $16,370 | $0 | $0 |
| $450,000 | $22,070 | $18,970 | $0 | $0 |
| $500,000 | $25,070 | $21,970 | $0 | $0 |
| $550,000 | $28,070 | $24,970 | $0 | $0 |
| $600,000 | $31,070 | $31,070 | $0 | $0 |
| $650,000 | $34,070 | $34,070 | $11,356.67 | $11,356.67 |
| $700,000 | $37,070 | $37,070 | $24,713.33 | $24,713.33 |
| $750,000 | $40,070 | $40,070 | $40,070 | $40,070 |
| $800,000 | $43,070 | $43,070 | $43,070 | $43,070 |
| $850,000 | $46,070 | $46,070 | $46,070 | $46,070 |
| $900,000 | $49,070 | $49,070 | $49,070 | $49,070 |
| $950,000 | $52,070 | $52,070 | $52,070 | $52,070 |
| $1,000,000 | $55,000 | $55,000 | $55,000 | $55,000 |
| $1,050,000 | $57,750 | $57,750 | $57,750 | $57,750 |
| $1,100,000 | $60,500 | $60,500 | $60,500 | $60,500 |
| $1,150,000 | $63,250 | $63,250 | $63,250 | $63,250 |
| $1,200,000 | $66,000 | $66,000 | $66,000 | $66,000 |
| $1,250,000 | $68,750 | $68,750 | $68,750 | $68,750 |
| $1,300,000 | $71,500 | $71,500 | $71,500 | $71,500 |
| $1,350,000 | $74,250 | $74,250 | $74,250 | $74,250 |
| $1,400,000 | $77,000 | $77,000 | $77,000 | $77,000 |
| $1,450,000 | $79,750 | $79,750 | $79,750 | $79,750 |
| $1,500,000 | $82,500 | $82,500 | $82,500 | $82,500 |
| $1,750,000 | $96,250 | $96,250 | $96,250 | $96,250 |
| $2,000,000 | $110,000 | $110,000 | $110,000 | $110,000 |

### General transfer duty rates

| Dutiable value | Duty |
| --- | ---: |
| Up to $25,000 | $1.40 per $100 |
| Over $25,000 up to $130,000 | $350 plus $2.40 per $100 over $25,000 |
| Over $130,000 up to $960,000 | $2,870 plus $6 per $100 over $130,000 |
| Over $960,000 up to $2,000,000 | $5.50 per $100 of the full dutiable value |
| Over $2,000,000 | $110,000 plus $6.50 per $100 over $2,000,000 |

Source: https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-non-principal-place-residence-current-rates, checked 26 September 2026.

### Transfer duty (principal place of residence rates)

Concessional PPR rates apply up to $550,000 for a home you live in; above that the general rates apply.

| Dutiable value | Duty |
| --- | ---: |
| Up to $25,000 | $1.40 per $100 |
| Over $25,000 up to $130,000 | $350 plus $2.40 per $100 over $25,000 |
| Over $130,000 up to $440,000 | $2,870 plus $5 per $100 over $130,000 |
| Over $440,000 up to $550,000 | $18,370 plus $6 per $100 over $440,000 |
| Over $550,000 up to $960,000 | $28,070 plus $6 per $100 over $550,000 |
| Over $960,000 up to $2,000,000 | $5.50 per $100 of the full dutiable value |
| Over $2,000,000 | $110,000 plus $6.50 per $100 over $2,000,000 |

Source: https://www.sro.vic.gov.au/about-us/rates-and-statistics/current-rates/land-transfer-duty-principal-place-residence-current-rates, checked 10 July 2026.

### First home buyers: First home buyer duty exemption/concession

Full exemption up to $600,000; between $600,001 and $750,000 the duty is reduced on a sliding scale (Duties Act 2000 (Vic) s 57JA).

Source: https://www.sro.vic.gov.au/buying-property/land-transfer-stamp-duty/concessions-exemptions-and-waivers/first-home-buyers/first-home-buyer-duty-exemption-or-concession; https://classic.austlii.edu.au/au/legis/vic/consol_act/da200093/s57ja.html, checked 10 July 2026.

### Scheme property price caps

| Scheme | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| 5% Deposit Scheme | $950,000 | $650,000 |
| Help to Buy | $950,000 | $650,000 |

Mortgage registration fee: $129.20 (source: https://www.land.vic.gov.au/land-registration/fees-guides-and-forms/2026-27-fees).

## Western Australia

In Western Australia, transfer duty on a $750,000 established home is $29,740.50 for an investor or a home buyer who is not a first home buyer.
An eligible first home buyer pays $24,225 at that price, whether the home is established or new.

- Web page: https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-wa.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/wa.json
- Rules checked against official sources: 26 September 2026

### Common questions

**How much stamp duty does a first home buyer pay on a $750,000 home in Western Australia?**
An eligible first home buyer pays $24,225 on an established home and $24,225 on a new home at $750,000. An investor buying the same established home pays $29,740.50.

**Do first home buyers pay stamp duty in Western Australia?**
Yes, unless a concession applies. Under the first home owner rate of duty, an eligible first home buyer pays no duty on an established home up to $600,000, with a concession up to $800,000; no duty on a new home up to $600,000, with a concession up to $800,000; and no duty on vacant land up to $450,000, with a concession up to $550,000. Eligibility conditions apply.

**How much is stamp duty on a $1,000,000 home in Western Australia?**
Transfer duty on a $1,000,000 established home is $42,615.50, whether you're an investor or will live in it.

**How is stamp duty calculated in Western Australia?**
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $28,453 plus $5.15 per $100 or part of $100 over $725,000. The lower owner-occupier rates don't apply at that price. Any first home concession is then taken off.

### Transfer duty at common prices

| Price | Investor | Home buyer | First home, established | First home, new |
| --- | ---: | ---: | ---: | ---: |
| $300,000 | $8,835 | $8,835 | $0 | $0 |
| $350,000 | $10,735 | $10,735 | $0 | $0 |
| $400,000 | $13,015 | $13,015 | $0 | $0 |
| $450,000 | $15,390 | $15,390 | $0 | $0 |
| $500,000 | $17,765 | $17,765 | $0 | $0 |
| $550,000 | $20,140 | $20,140 | $0 | $0 |
| $600,000 | $22,515 | $22,515 | $0 | $0 |
| $650,000 | $24,890 | $24,890 | $8,075 | $8,075 |
| $700,000 | $27,265 | $27,265 | $16,150 | $16,150 |
| $750,000 | $29,740.50 | $29,740.50 | $24,225 | $24,225 |
| $800,000 | $32,315.50 | $32,315.50 | $32,300 | $32,300 |
| $850,000 | $34,890.50 | $34,890.50 | $34,890.50 | $34,890.50 |
| $900,000 | $37,465.50 | $37,465.50 | $37,465.50 | $37,465.50 |
| $950,000 | $40,040.50 | $40,040.50 | $40,040.50 | $40,040.50 |
| $1,000,000 | $42,615.50 | $42,615.50 | $42,615.50 | $42,615.50 |
| $1,050,000 | $45,190.50 | $45,190.50 | $45,190.50 | $45,190.50 |
| $1,100,000 | $47,765.50 | $47,765.50 | $47,765.50 | $47,765.50 |
| $1,150,000 | $50,340.50 | $50,340.50 | $50,340.50 | $50,340.50 |
| $1,200,000 | $52,915.50 | $52,915.50 | $52,915.50 | $52,915.50 |
| $1,250,000 | $55,490.50 | $55,490.50 | $55,490.50 | $55,490.50 |
| $1,300,000 | $58,065.50 | $58,065.50 | $58,065.50 | $58,065.50 |
| $1,350,000 | $60,640.50 | $60,640.50 | $60,640.50 | $60,640.50 |
| $1,400,000 | $63,215.50 | $63,215.50 | $63,215.50 | $63,215.50 |
| $1,450,000 | $65,790.50 | $65,790.50 | $65,790.50 | $65,790.50 |
| $1,500,000 | $68,365.50 | $68,365.50 | $68,365.50 | $68,365.50 |
| $1,750,000 | $81,240.50 | $81,240.50 | $81,240.50 | $81,240.50 |
| $2,000,000 | $94,115.50 | $94,115.50 | $94,115.50 | $94,115.50 |

### General transfer duty rates

| Dutiable value | Duty |
| --- | ---: |
| Up to $120,000 | $1.90 per $100 or part of $100 |
| Over $120,000 up to $150,000 | $2,280 plus $2.85 per $100 or part of $100 over $120,000 |
| Over $150,000 up to $360,000 | $3,135 plus $3.80 per $100 or part of $100 over $150,000 |
| Over $360,000 up to $725,000 | $11,115 plus $4.75 per $100 or part of $100 over $360,000 |
| Over $725,000 | $28,453 plus $5.15 per $100 or part of $100 over $725,000 |

Source: https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment, checked 26 September 2026.

### Concessional owner-occupier rate

WA charges a concessional duty rate on owner-occupied homes valued up to $200,000 ($1.50 per $100 to $120,000, then $4.04 per $100). Above $200,000 duty reverts to the standard residential rates shown.

| Dutiable value | Duty |
| --- | ---: |
| Up to $120,000 | $1.50 per $100 or part of $100 |
| Over $120,000 up to $200,000 | $1,800 plus $4.04 per $100 or part of $100 over $120,000 |
| Over $200,000 up to $360,000 | $5,035 plus $3.80 per $100 or part of $100 over $200,000 |
| Over $360,000 up to $725,000 | $11,115 plus $4.75 per $100 or part of $100 over $360,000 |
| Over $725,000 | $28,453 plus $5.15 per $100 or part of $100 over $725,000 |

Source: https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment, checked 12 July 2026.

### First home buyers: First home owner rate of duty

Eligible first home buyers pay no duty up to $600,000 for a home ($450,000 for vacant land), then $16.15 per $100 above $600,000 up to $800,000 ($20.14 per $100 above $450,000 up to $550,000 for land). Above those values the general rates apply. The rates apply statewide to transactions from 7 May 2026.

Source: https://www.wa.gov.au/organisation/department-of-treasury-and-finance/transfer-duty-assessment, checked 26 September 2026.

### Scheme property price caps

| Scheme | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| 5% Deposit Scheme | $850,000 | $600,000 |
| Help to Buy | $850,000 | $600,000 |

Mortgage registration fee: $225.10 (source: https://www.landgate.wa.gov.au/land-and-property/land-transactions-hub/land-transaction-fees/).

## South Australia

In South Australia, transfer duty on a $750,000 established home is $35,080 for an investor or a home buyer who is not a first home buyer.
An eligible first home buyer gets no concession on an established home at that price, but pays no duty on a new home.

- Web page: https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-sa.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/sa.json
- Rules checked against official sources: 26 September 2026

### Common questions

**How much stamp duty does a first home buyer pay on a $750,000 home in South Australia?**
An eligible first home buyer pays $35,080 on an established home, with no concession at that price, and no duty on a new home at $750,000. An investor buying the same established home pays $35,080.

**Do first home buyers pay stamp duty in South Australia?**
Yes, unless a concession applies. Under the first home buyer duty relief, an eligible first home buyer pays no duty on a new home at any price; and no duty on vacant land at any price. There is no first home concession on an established home. Eligibility conditions apply.

**How much is stamp duty on a $1,000,000 home in South Australia?**
Transfer duty on a $1,000,000 established home is $48,830, whether you're an investor or will live in it.

**How is stamp duty calculated in South Australia?**
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $21,330 plus $5.50 per $100 or part of $100 over $500,000. Any first home concession is then taken off.

### Transfer duty at common prices

| Price | Investor | Home buyer | First home, established | First home, new |
| --- | ---: | ---: | ---: | ---: |
| $300,000 | $11,330 | $11,330 | $11,330 | $0 |
| $350,000 | $13,830 | $13,830 | $13,830 | $0 |
| $400,000 | $16,330 | $16,330 | $16,330 | $0 |
| $450,000 | $18,830 | $18,830 | $18,830 | $0 |
| $500,000 | $21,330 | $21,330 | $21,330 | $0 |
| $550,000 | $24,080 | $24,080 | $24,080 | $0 |
| $600,000 | $26,830 | $26,830 | $26,830 | $0 |
| $650,000 | $29,580 | $29,580 | $29,580 | $0 |
| $700,000 | $32,330 | $32,330 | $32,330 | $0 |
| $750,000 | $35,080 | $35,080 | $35,080 | $0 |
| $800,000 | $37,830 | $37,830 | $37,830 | $0 |
| $850,000 | $40,580 | $40,580 | $40,580 | $0 |
| $900,000 | $43,330 | $43,330 | $43,330 | $0 |
| $950,000 | $46,080 | $46,080 | $46,080 | $0 |
| $1,000,000 | $48,830 | $48,830 | $48,830 | $0 |
| $1,050,000 | $51,580 | $51,580 | $51,580 | $0 |
| $1,100,000 | $54,330 | $54,330 | $54,330 | $0 |
| $1,150,000 | $57,080 | $57,080 | $57,080 | $0 |
| $1,200,000 | $59,830 | $59,830 | $59,830 | $0 |
| $1,250,000 | $62,580 | $62,580 | $62,580 | $0 |
| $1,300,000 | $65,330 | $65,330 | $65,330 | $0 |
| $1,350,000 | $68,080 | $68,080 | $68,080 | $0 |
| $1,400,000 | $70,830 | $70,830 | $70,830 | $0 |
| $1,450,000 | $73,580 | $73,580 | $73,580 | $0 |
| $1,500,000 | $76,330 | $76,330 | $76,330 | $0 |
| $1,750,000 | $90,080 | $90,080 | $90,080 | $0 |
| $2,000,000 | $103,830 | $103,830 | $103,830 | $0 |

### General transfer duty rates

| Dutiable value | Duty |
| --- | ---: |
| Up to $12,000 | $1 per $100 or part of $100 |
| Over $12,000 up to $30,000 | $120 plus $2 per $100 or part of $100 over $12,000 |
| Over $30,000 up to $50,000 | $480 plus $3 per $100 or part of $100 over $30,000 |
| Over $50,000 up to $100,000 | $1,080 plus $3.50 per $100 or part of $100 over $50,000 |
| Over $100,000 up to $200,000 | $2,830 plus $4 per $100 or part of $100 over $100,000 |
| Over $200,000 up to $250,000 | $6,830 plus $4.25 per $100 or part of $100 over $200,000 |
| Over $250,000 up to $300,000 | $8,955 plus $4.75 per $100 or part of $100 over $250,000 |
| Over $300,000 up to $500,000 | $11,330 plus $5 per $100 or part of $100 over $300,000 |
| Over $500,000 | $21,330 plus $5.50 per $100 or part of $100 over $500,000 |

Source: https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf, checked 26 September 2026.

### First home buyers: First home buyer duty relief

Full exemption from stamp duty for eligible first home buyers purchasing a new home or vacant land to build on, with no value cap for contracts from 6 June 2024 (Stamp Duties Act 1923 (SA) s 71DD).

- Note: South Australia's first home buyer duty relief only applies to new homes and vacant land you'll build on. There is no duty relief for established homes.

Source: https://www.legislation.sa.gov.au/_legislation-documents/lz/c/a/stamp-duties-act-1923/current/1923.1569.auth.pdf, checked 10 July 2026.

### Scheme property price caps

| Scheme | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| 5% Deposit Scheme | $900,000 | $500,000 |
| Help to Buy | $900,000 | $500,000 |

Mortgage registration fee: $204 (source: https://www.landservices.com.au/our-resources/fees-and-charges-2026-27/).

## Tasmania

In Tasmania, transfer duty on a $750,000 established home is $28,935 for an investor or a home buyer who is not a first home buyer.
There's no first home concession at that price, so a first home buyer pays the same.

- Web page: https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-tas.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/tas.json
- Rules checked against official sources: 26 September 2026

### Common questions

**How much stamp duty does a first home buyer pay on a $750,000 home in Tasmania?**
$28,935. There's no first home concession in Tasmania at $750,000, so a first home buyer pays the same as an investor, whether the home is established or new.

**Do first home buyers pay stamp duty in Tasmania?**
Tasmania's first home buyer duty exemption ended for transactions settling after 30 June 2026, and no replacement duty relief has been announced. Duty is shown at standard rates. (The $20,000 First Home Owner Grant for new builds is a cash grant, not a duty reduction.)

**How much is stamp duty on a $1,000,000 home in Tasmania?**
Transfer duty on a $1,000,000 established home is $40,185, whether you're an investor or will live in it.

**How is stamp duty calculated in Tasmania?**
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $27,810 plus $4.50 per $100 or part of $100 over $725,000. Any first home concession is then taken off.

### Transfer duty at common prices

| Price | Investor | Home buyer | First home, established | First home, new |
| --- | ---: | ---: | ---: | ---: |
| $300,000 | $9,935 | $9,935 | $9,935 | $9,935 |
| $350,000 | $11,935 | $11,935 | $11,935 | $11,935 |
| $400,000 | $13,997.50 | $13,997.50 | $13,997.50 | $13,997.50 |
| $450,000 | $16,122.50 | $16,122.50 | $16,122.50 | $16,122.50 |
| $500,000 | $18,247.50 | $18,247.50 | $18,247.50 | $18,247.50 |
| $550,000 | $20,372.50 | $20,372.50 | $20,372.50 | $20,372.50 |
| $600,000 | $22,497.50 | $22,497.50 | $22,497.50 | $22,497.50 |
| $650,000 | $24,622.50 | $24,622.50 | $24,622.50 | $24,622.50 |
| $700,000 | $26,747.50 | $26,747.50 | $26,747.50 | $26,747.50 |
| $750,000 | $28,935 | $28,935 | $28,935 | $28,935 |
| $800,000 | $31,185 | $31,185 | $31,185 | $31,185 |
| $850,000 | $33,435 | $33,435 | $33,435 | $33,435 |
| $900,000 | $35,685 | $35,685 | $35,685 | $35,685 |
| $950,000 | $37,935 | $37,935 | $37,935 | $37,935 |
| $1,000,000 | $40,185 | $40,185 | $40,185 | $40,185 |
| $1,050,000 | $42,435 | $42,435 | $42,435 | $42,435 |
| $1,100,000 | $44,685 | $44,685 | $44,685 | $44,685 |
| $1,150,000 | $46,935 | $46,935 | $46,935 | $46,935 |
| $1,200,000 | $49,185 | $49,185 | $49,185 | $49,185 |
| $1,250,000 | $51,435 | $51,435 | $51,435 | $51,435 |
| $1,300,000 | $53,685 | $53,685 | $53,685 | $53,685 |
| $1,350,000 | $55,935 | $55,935 | $55,935 | $55,935 |
| $1,400,000 | $58,185 | $58,185 | $58,185 | $58,185 |
| $1,450,000 | $60,435 | $60,435 | $60,435 | $60,435 |
| $1,500,000 | $62,685 | $62,685 | $62,685 | $62,685 |
| $1,750,000 | $73,935 | $73,935 | $73,935 | $73,935 |
| $2,000,000 | $85,185 | $85,185 | $85,185 | $85,185 |

### General transfer duty rates

| Dutiable value | Duty |
| --- | ---: |
| Up to $3,000 | $50 plus $0 per $100 or part of $100 over $0 |
| Over $3,000 up to $25,000 | $50 plus $1.75 per $100 or part of $100 over $3,000 |
| Over $25,000 up to $75,000 | $435 plus $2.25 per $100 or part of $100 over $25,000 |
| Over $75,000 up to $200,000 | $1,560 plus $3.50 per $100 or part of $100 over $75,000 |
| Over $200,000 up to $375,000 | $5,935 plus $4 per $100 or part of $100 over $200,000 |
| Over $375,000 up to $725,000 | $12,935 plus $4.25 per $100 or part of $100 over $375,000 |
| Over $725,000 | $27,810 plus $4.50 per $100 or part of $100 over $725,000 |

Source: https://www.sro.tas.gov.au/property-transfer-duties/rates-of-duty, checked 26 September 2026.

### First home buyers: First home buyer duty relief

Tasmania's 100 per cent duty exemption for first home buyers of established homes ended for transactions settling after 30 June 2026.

- Note: Tasmania's first home buyer duty exemption ended for transactions settling after 30 June 2026, and no replacement duty relief has been announced. Duty is shown at standard rates. (The $20,000 First Home Owner Grant for new builds is a cash grant, not a duty reduction.)

Source: https://www.sro.tas.gov.au/property-transfer-duties/concessions-exemptions/first-home-buyers-of-established-homes-duty-relief, checked 12 July 2026.

### Scheme property price caps

| Scheme | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| 5% Deposit Scheme | $700,000 | $550,000 |
| Help to Buy | $700,000 | $550,000 |

Mortgage registration fee: $167.58 (source: https://nre.tas.gov.au/Documents/2026-2027%20Brief%20Fee%20Schedule.pdf).

## Australian Capital Territory

In the Australian Capital Territory, transfer duty on a $750,000 established home is $22,200 for an investor and $19,208 for a home buyer who will live in it.
An eligible first home buyer pays no duty at that price, whether the home is established or new.

- Web page: https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-act.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/act.json
- Rules checked against official sources: 26 September 2026

### Common questions

**How much stamp duty does a first home buyer pay on a $750,000 home in the Australian Capital Territory?**
An eligible first home buyer pays no duty on an established home and no duty on a new home at $750,000. An investor buying the same established home pays $22,200.

**Do first home buyers pay stamp duty in the Australian Capital Territory?**
Yes, unless a concession applies. Under the Home Buyer Concession Scheme, an eligible first home buyer pays no duty on an established home at any price; no duty on a new home at any price; and no duty on vacant land at any price. Eligibility conditions apply.

**How much is stamp duty on a $1,000,000 home in the Australian Capital Territory?**
Transfer duty on a $1,000,000 established home is $36,950 for an investor and $33,958 for a home buyer who will live in it.

**How is stamp duty calculated in the Australian Capital Territory?**
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $11,400 plus $4.32 per $100 or part of $100 over $500,000. A home buyer who will live in it pays $19,208 at that price, using the lower owner-occupier rates. Any first home concession is then taken off.

### Transfer duty at common prices

| Price | Investor | Home buyer | First home, established | First home, new |
| --- | ---: | ---: | ---: | ---: |
| $300,000 | $4,600 | $1,608 | $0 | $0 |
| $350,000 | $6,300 | $3,308 | $0 | $0 |
| $400,000 | $8,000 | $5,008 | $0 | $0 |
| $450,000 | $9,700 | $6,708 | $0 | $0 |
| $500,000 | $11,400 | $8,408 | $0 | $0 |
| $550,000 | $13,560 | $10,568 | $0 | $0 |
| $600,000 | $15,720 | $12,728 | $0 | $0 |
| $650,000 | $17,880 | $14,888 | $0 | $0 |
| $700,000 | $20,040 | $17,048 | $0 | $0 |
| $750,000 | $22,200 | $19,208 | $0 | $0 |
| $800,000 | $25,150 | $22,158 | $0 | $0 |
| $850,000 | $28,100 | $25,108 | $0 | $0 |
| $900,000 | $31,050 | $28,058 | $0 | $0 |
| $950,000 | $34,000 | $31,008 | $0 | $0 |
| $1,000,000 | $36,950 | $33,958 | $0 | $0 |
| $1,050,000 | $40,150 | $37,158 | $0 | $0 |
| $1,100,000 | $43,350 | $40,358 | $0 | $0 |
| $1,150,000 | $46,550 | $43,558 | $0 | $0 |
| $1,200,000 | $49,750 | $46,758 | $0 | $0 |
| $1,250,000 | $52,950 | $49,958 | $0 | $0 |
| $1,300,000 | $56,150 | $53,158 | $0 | $0 |
| $1,350,000 | $59,350 | $56,358 | $0 | $0 |
| $1,400,000 | $62,550 | $59,558 | $0 | $0 |
| $1,450,000 | $65,750 | $62,758 | $0 | $0 |
| $1,500,000 | $68,100 | $68,100 | $0 | $0 |
| $1,750,000 | $79,450 | $79,450 | $0 | $0 |
| $2,000,000 | $90,800 | $90,800 | $0 | $0 |

### General transfer duty rates

| Dutiable value | Duty |
| --- | ---: |
| Up to $200,000 | $1.20 per $100 or part of $100 |
| Over $200,000 up to $300,000 | $2,400 plus $2.20 per $100 or part of $100 over $200,000 |
| Over $300,000 up to $500,000 | $4,600 plus $3.40 per $100 or part of $100 over $300,000 |
| Over $500,000 up to $750,000 | $11,400 plus $4.32 per $100 or part of $100 over $500,000 |
| Over $750,000 up to $1,000,000 | $22,200 plus $5.90 per $100 or part of $100 over $750,000 |
| Over $1,000,000 up to $1,455,000 | $36,950 plus $6.40 per $100 or part of $100 over $1,000,000 |
| Over $1,455,000 | $4.54 per $100 or part of $100 of the full dutiable value |

Source: https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property, checked 26 September 2026.

### Eligible owner-occupier rate

The ACT charges lower conveyance duty on eligible owner-occupier transactions. At least one buyer must live in the home for a continuous period of at least one year, starting within a year of settlement. Vacant-land treatment shown here assumes an eligible owner-occupier purchase.

| Dutiable value | Duty |
| --- | ---: |
| Up to $260,000 | $0.28 per $100 or part of $100 |
| Over $260,000 up to $300,000 | $728 plus $2.20 per $100 or part of $100 over $260,000 |
| Over $300,000 up to $500,000 | $1,608 plus $3.40 per $100 or part of $100 over $300,000 |
| Over $500,000 up to $750,000 | $8,408 plus $4.32 per $100 or part of $100 over $500,000 |
| Over $750,000 up to $1,000,000 | $19,208 plus $5.90 per $100 or part of $100 over $750,000 |
| Over $1,000,000 up to $1,455,000 | $33,958 plus $6.40 per $100 or part of $100 over $1,000,000 |
| Over $1,455,000 | $4.54 per $100 or part of $100 of the full dutiable value |

Source: https://www.revenue.act.gov.au/rates-and-property-charges/conveyance-duty-stamp-duty/conveyance-duty-for-non-commercial-property, checked 12 July 2026.

### First home buyers: Home Buyer Concession Scheme

From 1 July 2026 the ACT charges no conveyance duty under the Home Buyer Concession Scheme: no income test, no property value cap. All buyers and their partners must not have owned property in the last 5 years, and at least one buyer must live in the home for at least 12 months.

Source: https://www.revenue.act.gov.au/about-the-act-revenue-office/news/act-budget-2026-27-updates; https://www.revenue.act.gov.au/home-buyer-assistance/home-buyer-concession-scheme/about-the-home-buyer-concession-scheme, checked 12 July 2026.

- Also: From 1 July 2026 the ACT also exempts qualifying newly built units bought directly from the developer within two years of the unit plan being registered. That exemption isn't reflected in these figures. (https://www.revenue.act.gov.au/home-buyer-assistance/newly-unit-titled-duty-exemption)
- Also: The ACT Home Buyer Concession Scheme isn't limited to first home buyers. A buyer who has owned property before also qualifies if neither they nor their partner has owned property in the last five years, and pays the first home figures shown here. (https://www.revenue.act.gov.au/home-buyer-assistance/home-buyer-concession-scheme/about-the-home-buyer-concession-scheme)

### Scheme property price caps

| Scheme | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| 5% Deposit Scheme | $1,000,000 | $1,000,000 |
| Help to Buy | $1,000,000 | Not applicable |

Mortgage registration fee: $184 (source: https://www.accesscanberra.act.gov.au/building-and-property/land-title-lodgement-registration-and-search-forms-related-fees).

## Northern Territory

In the Northern Territory, transfer duty on a $750,000 established home is $37,125 for an investor or a home buyer who is not a first home buyer.
There's no first home concession at that price, so a first home buyer pays the same.

- Web page: https://raynorlendingsolutions.com.au/lending-reference/stamp-duty-nt.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/nt.json
- Rules checked against official sources: 26 September 2026

### Common questions

**How much stamp duty does a first home buyer pay on a $750,000 home in the Northern Territory?**
$37,125. There's no first home concession in the Northern Territory at $750,000, so a first home buyer pays the same as an investor, whether the home is established or new.

**Do first home buyers pay stamp duty in the Northern Territory?**
The NT has no general first home buyer duty discount. Duty is shown at standard rates. But check two things with your broker: buying a house-and-land package as a single contract from a registered builder can be fully exempt from duty (contracts to 30 June 2027), and NT first home buyer grants (like HomeGrown Territory for new builds) are paid as cash, not duty relief.

**How much is stamp duty on a $1,000,000 home in the Northern Territory?**
Transfer duty on a $1,000,000 established home is $49,500, whether you're an investor or will live in it.

**How is stamp duty calculated in the Northern Territory?**
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $4.95 per $100 of the full dutiable value. Any first home concession is then taken off.

### Transfer duty at common prices

| Price | Investor | Home buyer | First home, established | First home, new |
| --- | ---: | ---: | ---: | ---: |
| $300,000 | $10,414.30 | $10,414.30 | $10,414.30 | $10,414.30 |
| $350,000 | $13,300.02 | $13,300.02 | $13,300.02 | $13,300.02 |
| $400,000 | $16,514.31 | $16,514.31 | $16,514.31 | $16,514.31 |
| $450,000 | $20,057.17 | $20,057.17 | $20,057.17 | $20,057.17 |
| $500,000 | $23,928.60 | $23,928.60 | $23,928.60 | $23,928.60 |
| $550,000 | $27,225 | $27,225 | $27,225 | $27,225 |
| $600,000 | $29,700 | $29,700 | $29,700 | $29,700 |
| $650,000 | $32,175 | $32,175 | $32,175 | $32,175 |
| $700,000 | $34,650 | $34,650 | $34,650 | $34,650 |
| $750,000 | $37,125 | $37,125 | $37,125 | $37,125 |
| $800,000 | $39,600 | $39,600 | $39,600 | $39,600 |
| $850,000 | $42,075 | $42,075 | $42,075 | $42,075 |
| $900,000 | $44,550 | $44,550 | $44,550 | $44,550 |
| $950,000 | $47,025 | $47,025 | $47,025 | $47,025 |
| $1,000,000 | $49,500 | $49,500 | $49,500 | $49,500 |
| $1,050,000 | $51,975 | $51,975 | $51,975 | $51,975 |
| $1,100,000 | $54,450 | $54,450 | $54,450 | $54,450 |
| $1,150,000 | $56,925 | $56,925 | $56,925 | $56,925 |
| $1,200,000 | $59,400 | $59,400 | $59,400 | $59,400 |
| $1,250,000 | $61,875 | $61,875 | $61,875 | $61,875 |
| $1,300,000 | $64,350 | $64,350 | $64,350 | $64,350 |
| $1,350,000 | $66,825 | $66,825 | $66,825 | $66,825 |
| $1,400,000 | $69,300 | $69,300 | $69,300 | $69,300 |
| $1,450,000 | $71,775 | $71,775 | $71,775 | $71,775 |
| $1,500,000 | $74,250 | $74,250 | $74,250 | $74,250 |
| $1,750,000 | $86,625 | $86,625 | $86,625 | $86,625 |
| $2,000,000 | $99,000 | $99,000 | $99,000 | $99,000 |

### General transfer duty rates

| Dutiable value | Duty |
| --- | ---: |
| Up to $525,000 | (0.06571441 × V²) + 15V, where V is the dutiable value divided by 1,000 |
| Over $525,000 and below $3,000,000 | $4.95 per $100 of the full dutiable value |
| From $3,000,000 and below $5,000,000 | $5.75 per $100 of the full dutiable value |
| From $5,000,000 | $5.95 per $100 of the full dutiable value |

Source: https://legislation.nt.gov.au/api/sitecore/Act/PDF?id=11906, checked 26 September 2026.

### First home buyers: First home buyer duty relief

The NT delivers first home buyer help as grants and a house-and-land package duty exemption rather than a general duty concession.

- Note: The NT has no general first home buyer duty discount. Duty is shown at standard rates. But check two things with your broker: buying a house-and-land package as a single contract from a registered builder can be fully exempt from duty (contracts to 30 June 2027), and NT first home buyer grants (like HomeGrown Territory for new builds) are paid as cash, not duty relief.

Source: https://nt.gov.au/property/home-owner-assistance/stamp-duty-exemption; https://treasury.nt.gov.au/dtf/territory-revenue-office/whats-new/house-and-land-package-exemption-from-1-july-2022, checked 12 July 2026.

### Scheme property price caps

| Scheme | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| 5% Deposit Scheme | $750,000 | $600,000 |
| Help to Buy | $600,000 | $600,000 |

Mortgage registration fee: $181 (source: https://nt.gov.au/property/land-titles-office/land-titles-forms-and-fees).

## Help to Buy

- Web page: https://raynorlendingsolutions.com.au/lending-reference/help-to-buy.html
- Data (JSON): https://raynorlendingsolutions.com.au/lending-reference/help-to-buy.json
- Minimum deposit: 2% of the price
- Government share: up to 40% for a new home, up to 30% for an existing home
- Income caps: $103,000 single, $165,000 joint applicants, $165,000 single parent. Annual taxable income from the ATO notice of assessment, 2026-27 threshold period (1 July 2026 to 30 June 2027).
- Checked against official sources: 26 September 2026 (https://firsthomebuyers.gov.au/australian-government-help-buy-scheme)

| State | Capital city and regional centres | Rest of state |
| --- | ---: | ---: |
| Queensland | $1,000,000 | $700,000 |
| New South Wales | $1,300,000 | $800,000 |
| Victoria | $950,000 | $650,000 |
| Western Australia | $850,000 | $600,000 |
| South Australia | $900,000 | $500,000 |
| Tasmania | $700,000 | $550,000 |
| Australian Capital Territory | $1,000,000 | Not applicable |
| Northern Territory | $600,000 | $600,000 |

Price caps source: https://firsthomebuyers.gov.au/help-buy-tools-and-resources/help-buy-property-price-caps, checked 26 September 2026.

Free to quote. Please link to the page the figures came from.