QLD Stamp Duty Calculator 2025-26
About to make an offer? Know the government costs before you sign.
Calculate transfer duty on property purchases in Queensland. Includes first home concession (up to $550,000 full exemption), home concession for owner-occupiers, and 7% foreign acquirer surcharge.
QLD transfer duty — same rate for owner-occupiers and investors. FHB concession up to $550k.
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 — no data is sent to any server.
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 →Factor in transfer duty and other upfront costs so your total cash requirement is accurate.
Stamp duty calculator →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 2025-26 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.
| Property value | Standard duty | Owner-occ rate | Investor rate |
|---|---|---|---|
| $400,000 | ~$8,750 | Same | Same |
| $600,000 | ~$17,325 | Same | Same |
| $800,000 | ~$26,775 | Same | Same |
| $1,000,000 | ~$38,025 | Same | Same |
| $1,500,000 | ~$66,900 | Same | Same |
Note: Unlike NSW, QLD does not have different base duty rates for owner-occupiers vs investors. Both pay the same standard rate. First home buyer concessions apply only to the buyer's principal place of residence.
QLD first home buyer concessions
First home concession
First home buyers purchasing a home to live in valued up to $500,000 pay zero transfer duty in QLD. For homes valued $500,001–$550,000, a graduated concession applies. Above $550,000, standard duty applies.
First home vacant land concession
First home buyers purchasing vacant land to build on pay zero transfer duty up to $250,000, with a graduated concession from $250,001–$400,000.
Home concession
Owner-occupiers (non-first-home-buyers) purchasing a principal place of residence get no concession in QLD — they pay standard duty.
Transfer duty on investment properties in QLD
Investment property duty
Property investors in QLD pay standard transfer duty at the same rates as owner-occupiers (no investor surcharge unlike some other states). On a $600,000 investment property, duty is approximately $17,325.
Comparison with NSW and VIC
| State | Duty on $600k investor property |
|---|---|
| NSW | ~$22,490 |
| QLD | ~$17,325 |
| VIC | ~$31,070 |
QLD foreign investor duty surcharge
7% surcharge
Foreign persons purchasing residential property in QLD pay an additional 7% foreign investor duty surcharge on top of standard transfer duty. On a $600,000 purchase, this adds $42,000.
QLD transfer duty rate table 2025-26
| Property value bracket | Rate per $100 |
|---|---|
| $0–$5,000 | Nil |
| $5,001–$75,000 | $1.50 |
| $75,001–$540,000 | $3.50 |
| $540,001–$1,000,000 | $4.50 |
| Above $1,000,000 | $5.75 |
❓ Frequently asked Frequently asked questions
How much is stamp duty on a $600,000 property in QLD?
Standard transfer duty on a $600,000 QLD property is approximately $17,325 for both owner-occupiers and investors. First home buyers purchasing at $600,000 pay standard duty (the FHB concession only applies to properties up to $550,000 for owner-occupiers intending to reside there).
Does QLD have different rates for investors vs owner-occupiers?
No — QLD uses the same standard duty rate for both. First home buyer concessions apply only to properties up to $550,000 for buyers using the property as their principal place of residence.
What is the first home buyer exemption in QLD?
First home buyers purchasing a home (not vacant land) valued up to $500,000 pay zero transfer duty. Properties from $500,001–$550,000 receive a graduated concession. Above $550,000, standard duty applies.
Is Queensland stamp duty lower than NSW?
Generally yes. On a $600,000 property: QLD charges approximately $17,325 vs NSW's $22,490. On a $1,000,000 property: QLD charges approximately $38,025 vs NSW's approximately $40,335.
Where these figures come from
Property and mortgage figures on this page are drawn from the Reserve Bank of Australia (rate data), APRA (serviceability and lending rules), the ATO (CGT and rental rules), and State Revenue Offices (stamp duty).
- Mortgage & variable-rate data — RBA — Lenders' Interest Rates (F6).
- Lending serviceability buffer (3%) — APRA — Prudential Practice Guide APG 223.
- Capital gains tax & main residence — ATO — Capital gains tax.
- Negative gearing & rental income — ATO — Rental properties.
- Stamp duty (NSW example) — Revenue NSW — Transfer duty.
- First Home Owner Grant schemes — FirstHome.gov.au.
Last checked: April 2026. Rates and thresholds are reviewed against the source of record each November, when annual adjustments for the following tax year are published.