Do first home buyers pay stamp duty in Queensland?

First home buyers in Queensland may receive a full transfer duty concession on homes valued up to $500,000, or a partial concession on homes between $500,000 and $550,000.

What is the foreign purchaser surcharge in Queensland?

Foreign persons purchasing residential property in Queensland pay an additional 7% surcharge duty on top of standard transfer duty rates.

Is there a First Home Owner Grant in Queensland?

Yes. Queensland offers a $30,000 First Home Owner Grant for eligible first home buyers purchasing or building a new home valued under $750,000.

When must stamp duty be paid in Queensland?

Transfer duty in Queensland must be paid within 30 days of the liability arising, which is generally at settlement. Your solicitor or conveyancer typically handles this payment.

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QLD Stamp Duty Calculator

Q: How much is stamp duty in Queensland?

Queensland transfer duty ranges from 0% on properties up to $5,000 to 5.75% on properties over $1,000,000. For a typical $600,000 property, expect to pay approximately $18,525 in transfer duty.

Calculate transfer duty on your Queensland property purchase. Updated with 2025–26 rates.

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Property Value

Buyer Type

General First Home Foreign

Property Use

Owner-Occupied Investment

Total Stamp Duty

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How Stamp Duty Works in Queensland

Queensland transfer duty is a state government tax on property transactions. It is calculated on the higher of the purchase price or the unencumbered value of the property and is paid before or on settlement.

Queensland's transfer duty rates are relatively competitive compared to southern states. Properties up to $5,000 pay no duty, and the highest marginal rate of 5.75% only kicks in for properties over $1,000,000. For most Brisbane buyers in the $500,000–$800,000 range, the effective rate is between 3.5% and 4.5%.

Current QLD Transfer Duty Rates (2025–26)

$0 – $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
Over $1,000,000: $38,025 + $5.75 per $100 over $1,000,000

First Home Buyer Concession

Queensland offers a significant transfer duty concession for first home buyers:

Full concession on homes valued up to $500,000 (pay $0 duty)
Partial concession on homes between $500,000 and $550,000
Must be an Australian citizen or permanent resident, or New Zealand citizen
Must move into the property within one year and live there for at least one year

Foreign Purchaser Surcharge

Foreign persons purchasing residential land in Queensland pay an additional 7% surcharge duty on top of standard transfer duty rates.

First Home Owner Grant

Separately from stamp duty, eligible first home buyers in Queensland may receive a $30,000 First Home Owner Grant for purchasing or building a new home valued under $750,000.

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Frequently Asked Questions

How much is stamp duty in Queensland?

QLD transfer duty ranges from nil on properties up to $5,000 to 5.75% on properties over $1,000,000. For a $600,000 property, you'd pay approximately $18,525. Use the calculator above for an exact figure.

Do first home buyers pay stamp duty in QLD?

First home buyers in QLD pay no transfer duty on homes up to $500,000, and receive a partial concession on homes between $500,000 and $550,000. For homes over $550,000, standard rates apply. The $30,000 First Home Owner Grant may also apply for new builds.

What is the transfer duty on a $700,000 property in QLD?

For a $700,000 property, QLD transfer duty would be approximately $24,525. This is calculated as $17,325 (base for $540,001–$1M bracket) + 4.5% of ($700,000 – $540,000) = $17,325 + $7,200 = $24,525.

Is there extra duty for investment properties in QLD?

The standard transfer duty rates apply to both owner-occupied and investment properties in Queensland. However, first home buyer concessions are only available for owner-occupied properties you intend to live in.

Can I add stamp duty to my Queensland home loan?

Some lenders allow you to capitalise stamp duty into your mortgage, but this increases your total loan amount and interest paid. It may also push your loan-to-value ratio above 80%, triggering LMI requirements. Speak to your lender about whether this is available to you.

Disclaimer: This calculator provides estimates based on current Queensland transfer duty rates published by the Queensland Revenue Office. Actual duty may vary based on your specific circumstances, concessions, or exemptions. This is not financial or legal advice. Always consult a qualified solicitor or conveyancer for your property transaction.

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QLD Stamp Duty Calculator

How Stamp Duty Works in Queensland

Current QLD Transfer Duty Rates (2025–26)

First Home Buyer Concession

Foreign Purchaser Surcharge

First Home Owner Grant

Frequently Asked Questions

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