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
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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)
–
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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
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