QLD Stamp Duty Calculator

Queensland charges Transfer Duty on a sliding scale. For purchases up to $5,000 it's nil; $5,001–$75,000 is $1.50 per $100; $75,001–$540,000 is $1,050 + $3.50 per $100 over $75,000; $540,001–$1,000,000 is $17,325 + $4.50 per $100 over $540,000; over $1,000,000 is $38,025 + $5.75 per $100 over $1,000,000. Use the calculator above for your exact figure.

Most first home buyers pay zero stamp duty in Queensland. Buying or building a new home attracts no transfer duty at all, at any price, for eligible first home buyers (from 1 May 2025). For established homes, the First Home Concession eliminates duty entirely up to $700,000, with a partial concession phasing out at $800,000. Above that, standard rates apply. The calculator above shows your exact position.

For a non-first-home buyer, QLD transfer duty on a $650,000 established home is about $15,925, and about $22,275 on an $850,000 home. First home buyers pay $0 on new builds at any price and $0 on established homes up to $700,000. The exact amount depends on price, property type and buyer status, so use the calculator above for your figure.

Queensland's main exemptions and concessions: the First Home (new home) exemption, which is full and uncapped for eligible first home buyers building or buying new from 1 May 2025; the First Home Concession for established homes up to $700,000, phasing out at $800,000; the First Home Vacant Land Concession for land you will build your first home on; and the Home Concession, a reduced rate for any owner-occupier. Transfers between spouses of the family home can also be exempt in some circumstances. Verify eligibility with the Queensland Revenue Office.

The Queensland FHOG is a $30,000 government grant for first home buyers purchasing or building a new home. It applies to new builds (including house-and-land packages) priced up to $750,000. The grant is paid directly to your lender at settlement and reduces your loan balance or can be used toward your deposit. You can't use it for established homes.

Transfer duty is payable on settlement day. typically 30–60 days after signing contracts. It's usually paid by your solicitor from the settlement funds. You need to have this cash available in addition to your deposit. Your lender cannot lend it to you as part of your home loan (unless you have significant equity).

Generally no. refinancing your existing mortgage does not attract transfer duty in Queensland because you already own the property. There is a mortgage registration fee (~$200) when registering the new loan with the Titles Registry, but no transfer duty. This makes refinancing essentially cost-free in terms of government fees.

Yes. Foreign buyers (non-Australian citizens and permanent residents) pay an additional 7% Foreign Acquirer Duty (FAD) on top of standard transfer duty. On a $700,000 purchase, that's an additional $49,000. Temporary visa holders and certain other categories may also be affected. Talk to a solicitor if you're unsure of your residency status.

Not typically. Stamp duty must be paid in cash at settlement. However, if you own an existing property with sufficient equity, you may be able to access that equity to fund the duty. For first home buyers with no existing property, you'll need stamp duty as part of your cash savings. A key benefit of the First Home Concession is it eliminates this requirement entirely for qualifying buyers.