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QLD Stamp Duty Calculator

Find out exactly how much transfer duty you'll pay — and whether you qualify for a first home buyer concession or the $30,000 FHOG grant.

QLD Stamp Duty Calculator

Indicative transfer duty estimates, updated for 2025 QLD rates

$650,000
$200k$2M
$

Your estimate

Standard transfer duty$22,275
Duty payable$22,275

Other typical upfront costs

Legal / conveyancing$1,500 – $2,500
Building & pest inspection$500 – $800
Mortgage registration fee (QLD)~$200
Lender fees (varies)$0 – $600
Indicative only. Concession eligibility depends on individual circumstances. Verify with the Queensland Revenue Office before settlement. Foreign purchasers pay an additional 7% surcharge.

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How QLD stamp duty works

Queensland calls it Transfer Duty— most people still say stamp duty. It's a state government tax on property purchases, calculated as a percentage of the purchase price on a tiered scale.

The good news for first home buyers: Queensland offers some of Australia's most generous concessions. If you qualify, you may pay zero duty — saving tens of thousands upfront.

Standard transfer duty rates (2025)

Purchase priceDuty rate
$0 – $5,000Nil
$5,001 – $75,000$1.50 per $100 over $5k
$75,001 – $540,000$1,050 + $3.50 per $100 over $75k
$540,001 – $1,000,000$17,325 + $4.50 per $100 over $540k
Over $1,000,000$38,025 + $5.75 per $100 over $1M

First home buyer concessions

Established home

Full concession (nil duty) up to $500,000. Sliding scale $500k–$550k. Standard rates apply above $550k.

New home / house-and-land

Full concession up to $550,000. Sliding scale $550k–$600k. Standard rates above $600k.

FHOG $30,000 grant

New builds only, up to $750,000 purchase price. Paid at settlement — reduces your loan or can offset deposit.

Total upfront costs — what to budget for

Stamp duty is the big one, but it's not the only upfront cost. Here's a realistic picture for a $650,000 Queensland purchase.

CostFHB (new home)FHB (established)Owner-occupier
Transfer duty$0$0$15,925
Deposit (10%)$65,000$65,000$65,000
Legal / conveyancing$1,800$1,800$1,800
Building & pest inspectionN/A (new)$600$600
Lender fees$0–$600$0–$600$0–$600
Mortgage registration fee~$200~$200~$200

Example based on $650,000 purchase with 10% deposit. Stamp duty based on 2025 QLD rates with applicable concessions.

Stamp duty questions answered

Everything Queensland home buyers ask about transfer duty.

How is stamp duty calculated in Queensland?
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.
Do first home buyers pay stamp duty in Queensland?
Many first home buyers pay zero stamp duty in Queensland. The First Home Concession eliminates transfer duty entirely on homes valued up to $500,000 (established) or $550,000 (new builds). A sliding scale concession applies up to $550,000 and $600,000 respectively. Above these thresholds, standard rates apply. The calculator above shows your exact position.
What is the Queensland First Home Owner Grant (FHOG)?
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.
When do you pay stamp duty in Queensland?
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).
Is there stamp duty on refinancing in Queensland?
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.
Do foreign buyers pay extra stamp duty in Queensland?
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.
Can I add stamp duty to my home loan in Queensland?
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.

Related resources

QLD First Home Buyer GrantsFHOG, First Home Guarantee, Help to Buy — all explained.Learn more First Home Buyer LoansCompare 60+ lenders. Low deposit options, pre-approval support.Learn more Get Pre-ApprovedKnow your budget before you start searching for a property.Learn more

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