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Updated March 2026

Stamp Duty · Queensland · QLD · 2026

Queensland Stamp Duty Calculator
QLD 2026

Calculate your exact QLD transfer duty (transfer-duty) for any property value. Includes first home buyer concessions, investor rates, and upfront cost breakdown. Rates current as of March 2026.

QLD Transfer Duty Calculator — 2026
State
Queensland (QLD)
Buyer Type
Owner Occupier
Investor
First Home Buyer?
Yes — first home
No
Transfer Duty — Queensland
$0
—
Total upfront cost
(duty + deposit)
—
Effective duty rate
on property value
—
FHB saving
vs standard buyer
QLD stamp duty — quick reference
$500,000
$15,925
FHB: $0 — Exempt
Property value / Standard duty / FHB
$600,000
$20,025
FHB: $0 — Exempt
Property value / Standard duty / FHB
$700,000
$24,525
FHB: $0 — Exempt
Property value / Standard duty / FHB
$700,000
$24,525
FHB: $0 — Exempt
Property value / Standard duty / FHB
$1,000,000
$38,025
FHB: $38,025
Property value / Standard duty / FHB

Queensland transfer duty rates 2026

Transfer duty in Queensland is calculated on a progressive rate structure — the higher the property value, the higher the marginal rate. The duty is applied on the purchase price or the market value of the property, whichever is higher.

Queensland transfer duty rate bands — effective March 2026. Source: Queensland Revenue Office.
Property value bandDuty rateType
$0 – $5,000Nil—
$5,001 – $75,000$1.50 per $100—
$75,001 – $540,000$3.50 per $100 + $1,050Marginal
$540,001 – $1,000,000$4.50 per $100 + $17,325Marginal
$1,000,001+$5.75 per $100 + $38,025Marginal
Rates verified March 2026. Always confirm current rates at Queensland Revenue Office before settlement, as thresholds are subject to change in state budgets.

First home buyer stamp duty concession — QLD

Full concession (effectively zero duty) on established homes up to $700,000. First Home (New Home) Concession for new homes provides a full exemption with a higher threshold.

To be eligible for the QLD first home buyer stamp duty concession, you must:

  • Be an Australian citizen or permanent resident
  • Never have previously owned residential property in Australia or overseas
  • Intend to occupy the property as your principal place of residence
  • Move into the property within 12 months of settlement
  • Live in the property for a continuous period of at least 12 months

Queensland's First Home Concession applies to established homes. For new builds, the First Home (New Home) Concession applies — this can cover higher-value new homes. Confirm eligibility at the Queensland Revenue Office.

First Home Guarantee (FHBG): Eligible first home buyers can also access the federal First Home Guarantee Scheme — purchasing with as little as a 5% deposit with no Lenders Mortgage Insurance (LMI). This is separate from the stamp duty concession and can be used together. Chat with Finley to check your combined eligibility.

How is stamp duty calculated in QLD?

Transfer duty in Queensland is calculated on the higher of the purchase price or the market value of the property. You can't reduce your duty liability by agreeing on a below-market purchase price — the state revenue office can independently assess market value.

The calculation follows a progressive bracket system — similar to income tax. You pay the applicable rate only on the portion of value within each band. This means a property valued at $600,000 does not attract the higher rate on the entire value — only on the portion that exceeds the lower bands.

Other costs to budget for at settlement

  • Conveyancing / solicitor fees — typically $1,500–$3,500 in QLD
  • Building and pest inspection — $400–$800
  • Lenders Mortgage Insurance (LMI) — if your deposit is under 20%, LMI can cost $8,000–$30,000+
  • Loan establishment fees — $0–$800 depending on lender
  • Title search and registration fees — $200–$600
  • Building insurance — from settlement day, you're responsible for insuring the property
Remember: stamp duty cannot be added to your home loan. It must be paid from savings at settlement. Budget for stamp duty and other upfront costs on top of your deposit — not as part of it.

Frequently asked questions — QLD stamp duty

On a $650,000 property, a standard buyer pays approximately $22,775 in Queensland transfer duty. An eligible first home buyer pays $0 — fully covered by the First Home Concession.
A standard buyer pays approximately $25,525 on a $750,000 property in Queensland. A first home buyer purchasing an established home over $700,000 does not receive the concession and pays the standard rate.
For new homes (first time being sold as a residence), QLD offers a separate First Home (New Home) Concession with a full exemption for eligible buyers. This typically covers higher-value properties than the established home concession. You must occupy the property as your principal place of residence within 1 year of settlement.
Transfer duty in Queensland must be paid within 30 days after settlement. Your solicitor or conveyancer will handle the calculation and payment. For off-the-plan purchases, duty is generally due at settlement (completion) rather than at contract signing.

Stamp duty calculators — other states

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