Buying a home in Queensland? Don’t forget about stamp duty!
Our house loan stamp duty calculator helps you work out exactly how much you’ll need to pay when purchasing property. Simply enter your property price and location to get instant results.
This tool is especially helpful for understanding first-home buyer stamp duty limits and potential savings in your state.
Stamp duty can cost thousands of dollars, so it’s important to include it in your budget from the start.
Whether you’re eligible for exemptions or concessions, our calculator shows you the real costs. Plan your property purchase properly and avoid surprises at settlement time.
QLD Stamp Duty Calculator 2026
Calculate transfer duty in Queensland for owner-occupiers, investors, first home buyers, and foreign purchasers. Includes home concession rates and updated 2025 FHB rules.
✓ 2025–26 QLD Rates✓ Home Concession Rates✓ FHB Exemptions (May 2025)✓ Foreign Surcharge Included
📢
QLD FHB Rules Changed — 1 May 2025: First home buyers purchasing a new home in Queensland now receive a full transfer duty exemption with no price cap. For established homes, a stepped concession applies up to $800,000. Select "First Home Buyer" below to see this calculated.
Calculate Your QLD Transfer Duty
Property Price
$
Buyer Type
Property Status
Foreign Buyer?
Property Purchase Price
–
Rate Schedule Applied
–
Standard Transfer Duty
–
Concession Applied
–
Foreign Buyer Surcharge (8%)
–
First Home Owner Grant (FHOG)
–
Transfer Duty Payable
–
Total Upfront Cost (Price + Duty)
–
Buying in Queensland? Let's talk.
Our brokers compare 40+ lenders for QLD buyers — free consultations, no obligation.
Queensland has two rate schedules. Owner-occupiers who intend to live in the property get significantly cheaper home concession rates. Investors pay standard rates.
Value Range
Base Duty
Marginal Rate
$0 – $350,000
$0
$1.00 per $100
$350,001 – $540,000
$3,500
$3.50 per $100
$540,001 – $1,000,000
$10,150
$4.50 per $100
$1,000,001+
$30,850
$5.75 per $100
Home concession rates apply to owner-occupiers who intend to move in within 12 months. Available to all owner-occupiers — not just first home buyers.
Value Range
Base Duty
Marginal Rate
$0 – $5,000
$0
Nil
$5,001 – $75,000
$0
$1.50 per $100
$75,001 – $540,000
$1,050
$3.50 per $100
$540,001 – $1,000,000
$17,325
$4.50 per $100
$1,000,001+
$38,025
$5.75 per $100
Standard rates apply to investors, companies, and buyers who do not intend to occupy the property as their principal place of residence.
First Home Buyer Rules — Queensland (Updated May 2025)
Queensland's FHB rules changed significantly from 1 May 2025. New homes now attract a full exemption with no price cap. Established homes use a stepped concession table that phases out between $700,000 and $800,000.
New Homes — Exemption
No cap
Full exemption from 1 May 2025
Established — Full Exemption
Up to $700k
Stepped concession to $800k
First Home Owner Grant
$30,000
New homes · Until 30 Jun 2026
FHOG After July 2026
$15,000
Reverts after 30 Jun 2026
Residency Required
12 months
Move in within 12 months
Citizenship
AU / PR
Citizen or permanent resident
To qualify for QLD FHB concessions you must:
Be an Australian citizen or permanent resident
Have never previously owned property in Australia
Intend to live in the property as your principal place of residence
Move into the property within 12 months of settlement
Occupy the property continuously for at least 12 months
Foreign Buyer Surcharge — Queensland
Surcharge Rate
8%
On dutiable value
Applies To
Residential property
All foreign purchasers
NZ SCV 444 Visa
Exempt
Surcharge does not apply
Foreign buyers pay an 8% surcharge on the dutiable value of residential property in addition to standard transfer duty. New Zealand citizens holding a Special Category Visa (subclass 444) are exempt from the surcharge. Select "Foreign Buyer" in the calculator above to see the full cost.
Special Rules — Queensland
1
Home concession rates are available to all owner-occupiers — not just first home buyers — who intend to live in the property as their principal place of residence within 12 months of settlement.
2
FHB new home full exemption with no value cap commenced 1 May 2025. Prior to this date, QLD had a $500,000 exemption threshold for established homes.
3
First Home Owner Grant of $30,000 applies to new homes and is extended until 30 June 2026. After this date it is expected to revert to $15,000. The home must be valued at $750,000 or less to be eligible.
4
New Zealand citizens on SCV 444 visas are exempt from the 8% foreign buyer surcharge in Queensland, making QLD unique among Australian states in this respect.
5
Transfer duty is due within 30 days of the date of the dutiable transaction (usually the contract date). Your conveyancer manages payment to the Queensland Revenue Office.
Transfer Duty at Popular Property Prices — QLD
Click any price to load it into the calculator. Figures shown are for owner-occupiers using home concession rates (no FHB concession).
$400,000
$5,250
1.31% effective
$500,000
$8,750
1.75% effective
$600,000
$13,450
2.24% effective
$700,000
$17,950
2.56% effective
$750,000
$20,200
2.69% effective
$900,000
$26,950
2.99% effective
$1,000,000
$30,850
3.09% effective
$1,500,000
$59,600
3.97% effective
How QLD Compares to Other States — $750,000 Property
QLD owner-occupier home concession rates make Queensland one of the most affordable states for transfer duty at most price points.
Frequently Asked Questions — QLD Stamp Duty
QLD transfer duty depends on whether you're an owner-occupier or investor. Owner-occupiers get home concession rates starting at $1.00 per $100. On a $750,000 home, an owner-occupier pays around $20,200, compared to approximately $27,225 for an investor using standard rates.
From 1 May 2025, first home buyers purchasing a new home in Queensland pay zero transfer duty regardless of the purchase price. For established homes, a stepped concession applies — full exemption up to $700,000, with the concession phasing out between $700,000 and $800,000.
The home concession is a reduced rate schedule available to all owner-occupiers in Queensland — not just first home buyers. You must intend to move into the property as your principal place of residence within 12 months of settlement. Home concession rates start at just $1.00 per $100 up to $350,000, compared to $1.50 per $100 on the investor schedule.
The Queensland FHOG is $30,000 for new homes valued up to $750,000. This increased grant rate applies until 30 June 2026, after which it is expected to revert to $15,000. The grant is separate from the stamp duty concession and applies only to new or substantially renovated homes.
Foreign buyers pay an additional 8% surcharge on the dutiable value of residential property in Queensland, on top of standard transfer duty. New Zealand citizens holding a Special Category Visa (subclass 444) are exempt from this surcharge.
In Queensland, transfer duty must be paid within 30 days of the date of the dutiable transaction — usually the contract date. Your conveyancer or solicitor arranges payment to the Queensland Revenue Office (QRO) on your behalf.
Generally no — transfer duty must be paid as a separate upfront cost and cannot be added to your home loan. You need to have the funds available before settlement, in addition to your deposit. Speak with one of our brokers to plan your full purchase budget.
⚠️ Important: This calculator provides estimates only based on publicly available 2025–26 QLD transfer duty rates and does not constitute financial, legal, or taxation advice. Rates, thresholds, and concession eligibility may change. Always verify your obligations with a licensed conveyancer, solicitor, or the Queensland Revenue Office before exchanging contracts. Awesome Lending Solutions | Credit Representative 407514 | awesomelendingsolutions.com.au | 02 7904 9560
Would you like to speak to one of our financial advisers? Just submit your contact details and we’ll be in touch shortly. You can also email us if you prefer that type of communication.
Cookie Consent
We use cookies to improve your experience on our site. By using our site, you consent to cookies.
Essential cookies enable basic functions and are necessary for the proper function of the website.
Name
Description
Duration
Cookie Preferences
This cookie is used to store the user's cookie consent preferences.
30 days
These cookies are needed for adding comments on this website.
Name
Description
Duration
comment_author
Used to track the user across multiple sessions.
Session
comment_author_email
Used to track the user across multiple sessions.
Session
comment_author_url
Used to track the user across multiple sessions.
Session
Google's current Sign in with Google client library. It renders the Google sign-in button, or the One Tap prompt, so visitors can log in to your site with their Google account. It replaces the older Google Sign-In platform library.
Set on your own domain by the Sign in with Google client library. Records whether the visitor has dismissed the One Tap sign-in prompt and for how long it should stay hidden, plus the time the library last loaded and a browsing session id used for the same purpose. Sites that pass a custom state_cookie_name will see that name instead.
180 days
g_csrf_token
Set on your own domain by the Sign in with Google client library and submitted together with the sign-in credential, so your site can confirm the sign-in came from its own page and not from a forged cross-site request.
5 minutes
Google Tag Manager simplifies the management of marketing tags on your website without code changes.
Name
Description
Duration
cookiePreferences
Registers cookie preferences of a user
2 years
td
Registers statistical data on users' behaviour on the website. Used for internal analytics by the website operator.
session
Statistics cookies collect information anonymously. This information helps us understand how visitors use our website.
Google Analytics is a powerful tool that tracks and analyzes website traffic for informed marketing decisions.
Contains information related to marketing campaigns of the user. These are shared with Google AdWords / Google Ads when the Google Ads and Google Analytics accounts are linked together.
90 days
__utma
ID used to identify users and sessions
2 years after last activity
__utmt
Used to monitor number of Google Analytics server requests
10 minutes
__utmb
Used to distinguish new sessions and visits. This cookie is set when the GA.js javascript library is loaded and there is no existing __utmb cookie. The cookie is updated every time data is sent to the Google Analytics server.
30 minutes after last activity
__utmc
Used only with old Urchin versions of Google Analytics and not with GA.js. Was used to distinguish between new sessions and visits at the end of a session.
End of session (browser)
__utmz
Contains information about the traffic source or campaign that directed user to the website. The cookie is set when the GA.js javascript is loaded and updated when data is sent to the Google Anaytics server
6 months after last activity
__utmv
Contains custom information set by the web developer via the _setCustomVar method in Google Analytics. This cookie is updated every time new data is sent to the Google Analytics server.
2 years after last activity
__utmx
Used to determine whether a user is included in an A / B or Multivariate test.
18 months
_ga
ID used to identify users
2 years
_gali
Used by Google Analytics to determine which links on a page are being clicked
30 seconds
_ga_
ID used to identify users
2 years
_gid
ID used to identify users for 24 hours after last activity
24 hours
_gat
Used to monitor number of Google Analytics server requests when using Google Tag Manager
1 minute
Jetpack's built-in visitor analytics. It records page views, referring sites, search terms, and outbound link clicks, and also carries the shared visitor-tracking library used by Jetpack Instant Search and WooCommerce Analytics.
