First Home Buyer Stamp Duty, State by State
Stamp (transfer) duty is state law, so what an eligible first home buyer pays depends entirely on where — and what — you buy. Concessions range from “no duty, no cap” to “no first-home concession at all,” and in three states a new build is duty-free while the same-priced established home is taxed. Pick your state below for the thresholds, worked examples and a calculator pre-set to your jurisdiction. All figures current as of July 2026.
| State / Territory | What an eligible first home buyer gets |
|---|---|
| NSW | No duty up to $800k; reducing concession to $1.0m. |
| VIC | No duty up to $600k; reducing concession to $750k. |
| QLD | New build: no duty, no cap. Established: exempt to $700k. |
| WA | No duty up to $600k (metro); concession to $800k. |
| SA | New build: no duty, no cap. Established: full duty. |
| TAS | Established-home exemption expired 30 Jun 2026 — confirm current relief. |
| ACT | No duty for eligible first home buyers — no cap, no income test. |
| NT | No general concession; new house-and-land package can be exempt (HLPE). |
For the full walkthrough — how you fund the deposit, avoiding Lenders Mortgage Insurance, the First Home Super Saver and the 5% First Home Guarantee — read the complete first home buyer guide by state, or jump straight into the First Home Buyer Calculator.
I'm a geologist-turned-builder who got frustrated with financial calculators that hand-wave how Australian tax actually works.
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