QLD Stamp Duty Calculator 2026-27
About to make an offer? Know the government costs before you sign.
Calculate transfer duty on property purchases in Queensland. Includes the first home concession (no duty up to $700,000), the home concession for owner-occupiers, and the 8% additional foreign acquirer duty.
QLD transfer duty. Owner-occupiers can claim the home concession; eligible first home buyers pay no duty up to $700k.
Select the question that matches where you are right now.
Your result reflects the financial position of the property scenario you entered — based on current rates, market rules, and standard calculation methods used across the Australian property industry.
Use this as a planning figure. Compare different property prices, deposit sizes, or loan terms to see how each changes the outcome. Adjust inputs in Standard or Advanced mode for more detail.
Not a bank approval, valuation, or guarantee. Lenders apply their own policies, credit checks, and property assessments beyond what any calculator can model.
Calculations use current published rates and standard formulas. All processing runs in your browser — the calculator code does not submit your figures to GlobalCalc to obtain a result.
Property calculations are most sensitive to the interest rate, loan amount, and time horizon. Small changes to these inputs produce the largest shifts in your result.
A 0.5% rate change on a $500k loan shifts annual interest by ~$2,500. Use Standard mode to compare fixed vs variable rate scenarios.
Extending the loan term reduces repayments but increases total interest. Interest-only periods change cash flow but not total cost. Model both in Advanced mode.
The ratio of your loan to the property value affects LMI, rate pricing, and lender appetite. Crossing the 80% LVR threshold changes the cost structure significantly.
To improve your property outcome, focus on the inputs with the highest leverage — these typically produce more impact per dollar than broad changes.
A larger deposit reduces LVR, eliminates LMI at 80%, and may unlock better rate pricing. Even $10k–$20k extra deposit can shift the cost picture.
Credit card limits and personal loans reduce borrowing capacity dollar-for-dollar. Closing unused cards before applying is one of the fastest levers.
Rate, policy, and LVR treatment vary between lenders. A mortgage broker can identify the best fit for your specific profile and property type.
Property decisions involve multiple linked calculations. Use the related calculators to model the full picture before committing.
Confirm how much a lender would approve based on your income, debts, and expenses.
Borrowing capacity →Buying interstate as well? Transfer duty and first home concessions work differently in New South Wales.
NSW stamp duty →See the monthly, fortnightly, and weekly repayment at different rates and terms.
Mortgage repayment →How Queensland transfer duty is calculated
QLD transfer duty rates
Queensland transfer duty uses a progressive scale. The rates for standard residential purchases: nil on the first $5,000; $1.50 per $100 from $5,001–$75,000; $3.50 per $100 from $75,001–$540,000; $4.50 per $100 from $540,001–$1,000,000; $5.75 per $100 above $1,000,000.
Owner-occupiers who move into the property within one year and live there for at least a year can claim the home concession, which applies a lower rate scale. Eligible first home buyers get the first home concession on top of that, which wipes out duty entirely on a home valued up to $700,000.
| Property value | Standard duty (investor) | With home concession (PPR) | First home buyer |
|---|---|---|---|
| $400,000 | $12,425 | $5,250 | $0 |
| $600,000 | $20,025 | $12,850 | $0 |
| $700,000 | $24,525 | $17,350 | $0 |
| $800,000 | $29,025 | $21,850 | $21,850 |
| $1,000,000 | $38,025 | $30,850 | $30,850 |
| $1,500,000 | $66,775 | $59,600 | $59,600 |
Note: Queensland does not set a different base duty scale for investors — the difference comes from the concessions. An investor pays the standard rate; an owner-occupier who qualifies for the home concession saves a flat $7,175 on any home over $350,000. The first home concession applies only to a property the buyer will live in as their principal place of residence, and it has fully phased out by $800,000, which is why the last three rows match the home concession column.
QLD first home buyer concessions
First home concession (existing home)
Eligible first home buyers purchasing an established home to live in pay zero transfer duty on a home valued up to $700,000. Between $700,000 and $800,000 the concession phases out; at $800,000 or more it no longer applies, although the home concession still can. These thresholds apply to contracts dated 9 June 2024 or later.
The calculation works in two steps: duty is first worked out at the home concession rate, then the first home concession amount for that value band is subtracted. The concession amount is $17,350 up to $700,000 and drops by $1,735 for each additional $10,000 of value.
| Home value | Concession amount | Duty payable |
|---|---|---|
| Up to $700,000 | $17,350 | $0 |
| $710,000 | $15,615 | $2,185 |
| $730,000 | $12,145 | $6,555 |
| $750,000 | $8,675 | $10,925 |
| $780,000 | $3,470 | $17,480 |
| $800,000 or more | Nil | $21,850 at $800,000 |
First home (new home) concession
For contracts dated 1 May 2025 or later, an eligible first home buyer buying or building a brand-new home pays no transfer duty at all — there is no value cap. Duty applies only to any non-residential portion of the land.
First home vacant land concession
Also from 1 May 2025, an eligible first home buyer purchasing vacant land to build their first home on pays no transfer duty, with no value cap. The concession covers the residential vacant land only. Before 1 May 2025 the land concession was capped (nil duty to $350,000, phasing out at $500,000 from 9 June 2024).
Home concession
Owner-occupiers who are not first home buyers can still claim the home concession, which charges duty on a lower rate scale: $1.00 per $100 up to $350,000, then $3,500 plus $3.50 per $100 to $540,000, $10,150 plus $4.50 per $100 to $1,000,000, and $30,850 plus $5.75 per $100 above that. On any home over $350,000 this saves a flat $7,175. You must move in within one year of settlement and live there for at least a year.
First Home Owner Grant
Separately from duty, the Queensland First Home Owner Grant is $30,000 for eligible contracts to buy or build a brand-new home valued at less than $750,000 (including land). It is not available for established homes. There is no income cap.
Transfer duty on investment properties in QLD
Investment property duty
Queensland does not apply an investor surcharge to transfer duty — an investor pays the standard rate scale. What an investor misses out on is the home concession, which is only available where you live in the property. On a $600,000 investment property duty is $20,025, against $12,850 for an owner-occupier who claims the home concession — a $7,175 difference.
| Property value | Investor (standard duty) | Owner-occupier (home concession) |
|---|---|---|
| $500,000 | $15,925 | $8,750 |
| $600,000 | $20,025 | $12,850 |
| $800,000 | $29,025 | $21,850 |
| $1,000,000 | $38,025 | $30,850 |
Investors should also check Queensland land tax, which is a separate annual tax with a $600,000 tax-free threshold for individuals.
QLD foreign investor duty surcharge
8% additional foreign acquirer duty (AFAD)
Foreign persons — including foreign companies and trusts — acquiring residential land in Queensland pay additional foreign acquirer duty of 8% of the dutiable value, on top of standard transfer duty. The rate increased from 7% to 8% for contracts dated 1 July 2024 or later.
| Property value | Standard duty | AFAD at 8% | Total duty |
|---|---|---|---|
| $600,000 | $20,025 | $48,000 | $68,025 |
| $800,000 | $29,025 | $64,000 | $93,025 |
| $1,000,000 | $38,025 | $80,000 | $118,025 |
Australian citizens and permanent residents are not foreign persons for AFAD, even if they live overseas. Temporary visa holders are. Foreign owners also face a 3% land tax surcharge on taxable land of $350,000 or more, and FIRB approval is a separate Commonwealth requirement.
QLD transfer duty rate table 2026-27
Standard transfer duty rates
| Dutiable value | Duty |
|---|---|
| Not more than $5,000 | Nil |
| $5,001–$75,000 | $1.50 per $100 over $5,000 |
| $75,001–$540,000 | $1,050 + $3.50 per $100 over $75,000 |
| $540,001–$1,000,000 | $17,325 + $4.50 per $100 over $540,000 |
| Above $1,000,000 | $38,025 + $5.75 per $100 over $1,000,000 |
Home concession rates (owner-occupiers)
| Dutiable value | Duty |
|---|---|
| Not more than $350,000 | $1.00 per $100 |
| $350,001–$540,000 | $3,500 + $3.50 per $100 over $350,000 |
| $540,001–$1,000,000 | $10,150 + $4.50 per $100 over $540,000 |
| Above $1,000,000 | $30,850 + $5.75 per $100 over $1,000,000 |
First home concession amounts
Subtracted from duty calculated at the home concession rate, for contracts dated 9 June 2024 or later.
| Home value | Concession amount |
|---|---|
| Up to $709,999.99 | $17,350 |
| $710,000–$719,999.99 | $15,615 |
| $720,000–$729,999.99 | $13,880 |
| $730,000–$739,999.99 | $12,145 |
| $740,000–$749,999.99 | $10,410 |
| $750,000–$759,999.99 | $8,675 |
| $760,000–$769,999.99 | $6,940 |
| $770,000–$779,999.99 | $5,205 |
| $780,000–$789,999.99 | $3,470 |
| $790,000–$799,999.99 | $1,735 |
| $800,000 or more | Nil |
Additional foreign acquirer duty
8% of the dutiable value of residential land acquired by a foreign person, payable on top of transfer duty.
❓ Frequently asked Frequently asked questions
How much is stamp duty on a $600,000 property in QLD?
Standard transfer duty on a $600,000 Queensland property is $20,025. An owner-occupier who claims the home concession pays $12,850, and an eligible first home buyer pays $0, because $600,000 is below the $700,000 first home concession threshold.
Do owner-occupiers pay less stamp duty than investors in QLD?
Yes. Queensland uses one standard duty scale, but owner-occupiers can claim the home concession, which charges duty on a lower scale and saves a flat $7,175 on any home valued over $350,000. You must move into the property within one year of settlement and live there for at least a year. Investors pay the full standard rate.
What is the first home concession threshold in QLD?
Eligible first home buyers pay zero transfer duty on an existing home valued up to $700,000. From $700,000 to $800,000 the concession phases out — the concession amount starts at $17,350 and drops by $1,735 for every extra $10,000 of value. At $800,000 or more the first home concession no longer applies, though the home concession still can.
Do first home buyers pay stamp duty on a new home or vacant land in QLD?
No. For contracts dated 1 May 2025 or later, eligible first home buyers pay no transfer duty at all when they buy or build a brand-new home, or buy vacant land to build their first home on. There is no value cap on either concession — duty applies only to any non-residential portion of the land.
How much is the foreign buyer surcharge in QLD?
Foreign persons pay additional foreign acquirer duty (AFAD) of 8% of the dutiable value of residential land, on top of standard transfer duty. The rate rose from 7% to 8% for contracts dated 1 July 2024 or later. On a $600,000 purchase that adds $48,000, taking total duty to $68,025.
Where these figures come from
Every Queensland duty figure on this page comes from the Queensland Revenue Office (QRO). Mortgage and lending context comes from the RBA and APRA.
- Transfer duty rates & AFAD (8%) — QRO — Transfer duty rates.
- Home concession rates & first home concession amounts — QRO — Transfer duty home concession rates.
- First home concession ($700,000 nil / $800,000 cut-out) — QRO — First home concession.
- First home (new home) concession — no value cap — QRO — First home (new home) concession.
- First home vacant land concession — no value cap — QRO — First home vacant land concession.
- First Home Owner Grant ($30,000, new homes under $750,000) — QRO — First home owner grant eligibility.
Last checked: July 2026. Queensland transfer duty rates, concession thresholds and the First Home Owner Grant are reviewed against the Queensland Revenue Office each July, after the Queensland Budget, and whenever QRO announces a change mid-year.