Australian property costs, calculated exactly.
Stamp duty, loan repayments, borrowing power and LMI for every state and territory — each figure computed from the official revenue-office schedule and freshness-stamped. No hype, no lead walls, no guesswork.
Stamp duty calculator
NSW$21,187 transfer duty
- Standard (general) duty
- $21,187
NSW figures from Revenue NSW. Estimate only — your conveyancer and the revenue office confirm the exact duty. Full breakdown for $600,000 in NSW →
Stamp duty on a $600,000 home, state by state
The spread is real: ACT charges $12,728 where VIC charges $31,070 on the same $600,000 purchase. Owner-occupier and first-home outcomes differ again.
| State | Standard duty | First home buyer | |
|---|---|---|---|
| New South Wales | $21,187 | $0 | NSW |
| Victoria | $31,070 | $0 | VIC |
| Queensland | $20,025 | $0 | QLD |
| Western Australia | $22,515 | $13,630 | WA |
| South Australia | $26,830 | $26,830 | SA |
| Tasmania | $22,497.50 | $22,497.50 | TAS |
| Australian Capital Territory | $12,728 | $0 | ACT |
| Northern Territory | $29,700 | — | NT |
See the full comparison and the biggest gaps →
The calculators
Stamp duty8 statesExact transfer duty from the official schedulesMortgage repaymentsP&I / IOMonthly cost on any loan, rate and termBorrowing power+3% bufferWhat you could borrow, assessed like a lenderLMI estimateby LVRIndicative lenders mortgage insuranceRefinance break-evenmonthsWhen a lower rate pays back the switch costFirst home buyer dutyby stateExemptions and concessions, state by state
Stamp duty by state
- NSW$21,187 on $600,000
- VIC$31,070 on $600,000
- QLD$20,025 on $600,000
- WA$22,515 on $600,000
- SA$26,830 on $600,000
- TAS$22,497.50 on $600,000
- ACT$12,728 on $600,000
- NT$29,700 on $600,000
Common questions
- Why does stamp duty differ so much between states?
- Each state and territory sets its own transfer-duty schedule, so the same $600,000 home is taxed very differently depending on where you buy. DutyMate shows the exact figure for every state from the official schedules.
- Are the figures official?
- Every duty figure is computed by our own code from a schedule transcribed from the relevant state revenue office, and is stamped with its source and verified date. Loan repayments, borrowing power and LMI are clearly labelled estimates.
- Do you sell my details or capture leads?
- No. There are no forms and no lead capture. What you type into a calculator stays in your browser. The site is supported by ads, not by selling your information.