First Home Buyer Stamp Duty Calculator
Discover how much transfer duty you save as a first home buyer. Calculate exemption price caps, concessional sliding scales, and government grants across every Australian state and territory.
First Home Buyer Transfer Duty Calculator
Toggle First Home Buyer status to view your exact concession and duty savings in real time.
infoNew South Wales — Regulated by Revenue NSW
Are you an eligible First Home Buyer?
Access exemptions or concessional rates in your state
Are you a Foreign / Non-resident Buyer?
Subject to 7%–8% Foreign Purchaser Duty Surcharge
Effective duty rate: 3.69% of property value
In NSW, eligible first home buyers pay zero stamp duty on properties up to $800,000 under the First Home Buyers Assistance Scheme (FHBAS).
First Home Buyer Rules Across Australia
Each Australian state government sets its own thresholds for stamp duty exemptions and concessions.
New South Wales
Revenue NSW- check_circleFull stamp duty exemption up to $800,000 for eligible first home buyers
- check_circleConcessional sliding scale up to $1,000,000
- check_circleVacant land FHB exemption up to $350,000 (concession up to $450,000)
- check_circlePremium property tier applies to properties over $3.87 million
Victoria
State Revenue Office (SRO) Victoria- check_circleFull exemption for first home buyers purchasing up to $600,000
- check_circleSliding concession for first home buyers between $600,001 and $750,000
- check_circlePrincipal Place of Residence (PPR) discount on homes up to $550,000
- check_circleVictoria has separate title transfer registration fees tiered by property value
Queensland
Queensland Revenue Office (QRO)- check_circleExpanded First Home Concession gives $0 duty up to $700,000
- check_circleSliding discount on homes between $700,001 and $800,000
- check_circleHome Concession lowers duty on the first $350,000 for owner-occupiers
- check_circleFirst home vacant land concession exempt up to $350,000
Western Australia
RevenueWA- check_circleFirst Home Owner Rate gives $0 duty up to $450,000
- check_circleConcessional rate of $15.01 per $100 applies between $450,001 and $600,000
- check_circleVacant land for first home buyers exempt up to $300,000
- check_circleForeign buyer surcharge is 7%, lower than eastern states (8%)
South Australia
RevenueSA- check_circle100% stamp duty exemption for eligible first home buyers buying or building NEW homes (no cap!)
- check_circleVacant land for first home builds is also completely exempt from duty
- check_circleStandard progressive rates apply to established properties
- check_circleTitle registration fees in SA operate on an ad-valorem tiered scale
Tasmania
State Revenue Office Tasmania- check_circle50% stamp duty concession for eligible first home buyers up to $750,000
- check_circleClear, predictable progressive brackets starting from $50 minimum duty
- check_circleCompetitive government registration and transfer fees
- check_circle8% Foreign Investor Duty Surcharge on residential land
Australian Capital Territory
ACT Revenue Office- check_circleFull conveyance duty exemption under the Home Buyer Concession Scheme (HBCS)
- check_circleProgressive rates structured separately for owner-occupiers vs investors
- check_circleFlat calculation tier for properties over $1,455,000
- check_circlePart of ACT long-term tax reform transitioning to general rates
Northern Territory
Territory Revenue Office (TRO)- check_circleZero foreign buyer stamp duty surcharge (unique in Australia!)
- check_circleQuadratic formula calculation for properties valued up to $525,000
- check_circleFlat 4.95% rate for properties between $525,000 and $3,000,000
- check_circleFirst home buyers can access significant territory assistance discounts
Standard Eligibility Criteria for First Home Buyers
While thresholds differ, the fundamental requirements are largely harmonized across Australian jurisdictions.
1. Natural Person Over 18
Applications cannot be made by companies, trusts, or business entities. All purchasers must be individuals at least 18 years of age at the time of settlement.
2. Australian Citizenship or Permanent Residency
At least one of the first home buyers must be an Australian citizen or Australian permanent resident (or eligible New Zealand citizen holding a subclass 444 visa).
3. Never Owned Residential Property in Australia
You and your spouse or de facto partner must never have owned or held a relevant interest in residential land or property anywhere in Australia prior to the purchase.
4. Principal Place of Residence (PPR) Requirement
You must move into the property as your primary home within 12 months of settlement (or completion of construction) and continuously occupy it for at least 6 to 12 months.