Stamp Duty Calculator QLD FY2026-27
This calculator works out QLD transfer (stamp) duty on a property purchase — the standard rate, the home concession for owner-occupiers, the first home concession for an established home, and the uncapped first home (new home) concession — using Queensland Revenue Office's own FY2026-27 rate tables and concession thresholds.
Enter the property's dutiable value (usually the purchase price, or market value if higher) and which of these applies to you.
Calculate your stamp duty
Transfer duty payable: $6,555 — an effective rate of 0.9% on the property value.
Saving versus the home concession rate: $0
Not eligible for the extra first home concession at this value — the cap is $800,000, so the plain home concession rate above applies instead.
The first home (new home) concession is a full exemption at ANY value, for contracts dated 1 May 2025 or later — this is why duty payable is $0 regardless of the property value entered.
This is general information, not financial or tax advice — consider a registered tax agent, solicitor or conveyancer for guidance specific to your purchase.
Estimates for general information — not financial or tax advice. Method, rates and sources are published below.
Stamp duty by property value and buyer type (FY2026-27)
Duty payable for a range of property values, computed from the engine above. The first home (new home) concession isn't shown as a column — it's a flat $0 at every value in this table, for contracts dated 1 May 2025 or later.
| Property value | Standard duty | Home concession duty | First home (established) duty |
|---|---|---|---|
| $400,000 | $12,425 | $5,250 | $0 |
| $540,000 | $17,325 | $10,150 | $0 |
| $700,000 | $24,525 | $17,350 | $0 |
| $730,000 | $25,875 | $18,700 | $6,555 |
| $800,000 | $29,025 | $21,850 | $21,850 † |
| $1,000,000 | $38,025 | $30,850 | $30,850 † |
† At $800,000 or above, the first home concession no longer applies — the plain home concession rate is payable instead (still cheaper than the standard rate, if you're an eligible owner-occupier).
How this is calculated
QLD transfer duty is a bracketed, marginal-style schedule: each bracket has a published base amount of duty owed at its floor, plus a marginal rate applied to the excess above that floor, rounded UP to the next whole $100 ("per $100, or part of $100"). The home concession uses a completely different, lower rate table — not a discount on top of the standard schedule.
Standard schedule
| Dutiable value | Base duty at floor | Marginal rate on excess |
|---|---|---|
| $0 – $5,000 | $0 | 0% per $100 |
| $5,000 – $75,000 | $0 | 1.5% per $100 |
| $75,000 – $540,000 | $1,050 | 3.5% per $100 |
| $540,000 – $1,000,000 | $17,325 | 4.5% per $100 |
| $1,000,000 and over | $38,025 | 5.8% per $100 |
Home concession schedule
| Dutiable value | Base duty at floor | Marginal rate on excess |
|---|---|---|
| $0 – $350,000 | $0 | 1% per $100 |
| $350,000 – $540,000 | $3,500 | 3.5% per $100 |
| $540,000 – $1,000,000 | $10,150 | 4.5% per $100 |
| $1,000,000 and over | $30,850 | 5.8% per $100 |
The first home concession (established home) is a full exemption at or below $700,000, then a concessional phase from $700,000 up to (but not including) $800,000 where duty phases in linearly from $0 up to the home concession rate — the same linear-phase mechanics as NSW's First Home Buyers Assistance Scheme, just measured against the home concession schedule above rather than the standard one. Queensland Revenue Office's own pages state these thresholds but not a published formula for the phase — it was reverse-engineered from QRO's own transfer duty estimator and cross-checked against QRO's own worked example (a $730,000 home: home concession duty $18,700, less a $12,145 concession, equals $6,555 payable). See this engine's own tests for the full worked evidence.
The first home (new home) concession is separate again: a flat $0 duty at any value, for a new or substantially renovated home under a contract dated 1 May 2025 or later — modelled as a plain constant rather than a bracket/phase calculation, since it doesn't vary by value at all.
Sources
- Queensland Revenue Office — Transfer duty rates (standard schedule, FY2026-27) — verified 2026-07-10
- Queensland Revenue Office — Home concession rates — verified 2026-07-10
- Queensland Revenue Office — First home concession (established home) — verified 2026-07-10
- Queensland Revenue Office — First home (new home) concession — verified 2026-07-10
- Queensland Revenue Office — Transfer duty estimator (used to verify every duty figure on this page) — verified 2026-07-10
Assumptions used here follow the same general approach as ASIC's MoneySmart calculators and may not reflect every personal circumstance — see "What this doesn't model" for specifics.
What this doesn't model
- Additional foreign acquirer duty (AFAD). If you're a foreign person acquiring residential land in QLD, an additional 8% AFAD applies on top of standard or concessional transfer duty, calculated separately. This calculator assumes an Australian citizen or permanent resident purchaser throughout.
- 1 August 2026 citizenship/residency eligibility change. From that date, home and first home concessions require the buyer to be an Australian citizen, permanent resident or specified foreign retiree — this calculator assumes that condition is met.
- First home vacant land concession. Vacant land you intend to build a first home on has its own, separate concession with different thresholds — not modelled here, which assumes an existing dwelling (new or established).
- Corporate trustee and landholder duty. Acquisitions by companies, trusts or through landholder duty rules can attract different duty treatment entirely — this calculator assumes an individual buying residential property directly.
- Mortgage duty and lodgement fees. A flat $5 duty applies to a mortgage transfer, plus separate Titles Queensland lodgement fees — small compared to transfer duty itself, but not included in the figures above.
If any of these apply to you, the duty you actually owe will differ from the figures above.
Frequently asked questions
How much is stamp duty on $730k in QLD?
As an investment or other property, transfer duty on a $730,000 QLD property is $25,875 for FY2026-27. As an owner-occupier claiming the home concession, that drops to $18,700. As a first home buyer on an established home, the first home concession cuts it further to $6,555 — a saving of $12,145 versus the home concession rate. If it's a new or substantially renovated home instead, the first home (new home) concession reduces it to $0 regardless of value — see the next question for how these three concessions differ.
Home concession vs first home concession — what is the difference?
The home concession is a lower transfer duty rate table available to ANY owner-occupier buying a home to live in, whether or not it's your first property — it isn't first-home-specific. The first home concession is an ADDITIONAL reduction on top of the home concession rate, only for first home buyers: a full exemption (no duty at all) for an established home valued at $700,000 or under, phasing down to no extra benefit at $800,000 and above (at $800,000 or above, you still get the plain home concession rate if you're an eligible owner-occupier, just not the extra first-home reduction). Both require moving in and living there as your home — an investment property doesn't qualify for either.
What is the first home (new home) concession?
For contracts dated 1 May 2025 or later, first home buyers purchasing or building a new or substantially renovated home (one that has not previously been occupied or sold as a residence) can get a FULL transfer duty exemption with NO value cap — duty is reduced to nil regardless of the purchase price. This is separate from, and more generous than, the first home concession for established homes described above, which caps out at $800,000. You still need to move in within 1 year of settlement and live there to qualify.
When is QLD transfer duty payable?
Transfer duty must generally be paid within 30 days of the liability date (usually the date the contract is signed, or the date of the transfer if there is no contract), to avoid interest and penalties. Your solicitor or conveyancer normally arranges lodgement and payment as part of settlement, including any concession claim (Form D2.1 for home and first home concessions).
Why does my bank's or conveyancer's calculator differ?
Most likely extra costs this page deliberately doesn't fold into the duty figure: an additional 8% foreign acquirer duty if you're a foreign person, a flat $5 duty fee on a mortgage transfer, and — from 1 August 2026 — a new requirement that you be an Australian citizen, permanent resident or specified foreign retiree to claim a home or first home concession at all. Vacant land you intend to build a first home on has its own, separate first home vacant land concession, not modelled here. If a figure differs by more than a rounding difference and none of those explain it, check the property value and buyer-type inputs match exactly — for reference, the plain home concession rate at the $800,000 first-home-concession cap is $21,850.