Rates current as at 2026-08-03
QLD Stamp Duty Calculator - all three scales
On a $600,000 Queensland purchase, an investor pays about $20,025 in transfer duty, an owner-occupier about $12,850 with the home concession, and an eligible first home buyer nothing at all - including zero duty on new builds at any price.
Your purchase
Transfer duty payable
$24,525
Investor
$24,525
Owner-occupier
$17,350
First home buyer
$0
Duty is one line of the deal. The full audit puts it alongside finance, holding costs and the tax treatment that applies after 12 May 2026.
Deal Auditor - in build, not yet available
Estimates from the QRO published scales (source). Confirm exact figures and eligibility with QRO or your conveyancer.
How Queensland transfer duty works
Queensland charges transfer duty on a sliding scale: nothing below $5,000, then increasing marginal rates up to 5.75% above $1 million. An investor buying at $600,000 pays about $20,025; at $1 million, about $38,025. Owner-occupiers get the home concession - a 1% rate on the first $350,000 - which saves around $7,175 at typical price points.
First home buyers do far better. For contracts from 9 June 2024, the first home concession wipes duty entirely up to $700,000, phasing out by $1,735 per $10,000 of price until it reaches zero at $800,000. And for contracts from 1 May 2025, an eligible first home buyer purchasing a new build pays no duty at any price - the same acquisition-class distinction that now drives the negative gearing rules. If you're weighing new versus established, duty is one more reason the comparison matters: see New Build vs Established.
For investors, duty isn't deductible year to year - it joins your cost base and reduces the capital gain at sale. It is, however, real cash at settlement: on top of your deposit you'll need duty, legals and loan costs, which is exactly what the Deal Auditor's cash-required breakdown totals for you.
The Queensland rate scales
General scale (investors)
| Dutiable value | Duty |
|---|---|
| Up to $5,000 | Nil |
| $5,000 - $75,000 | 1.5% of the value over $5,000 |
| $75,000 - $540,000 | $1,050 + 3.5% of the value over $75,000 |
| $540,000 - $1,000,000 | $17,325 + 4.5% of the value over $540,000 |
| Over $1,000,000 | $38,025 + 5.75% of the value over $1,000,000 |
Home concession scale (owner-occupiers)
| Dutiable value | Duty |
|---|---|
| Up to $350,000 | 1% of the dutiable value |
| $350,000 - $540,000 | $3,500 + 3.5% of the value over $350,000 |
| $540,000 - $1,000,000 | $10,150 + 4.5% of the value over $540,000 |
| Over $1,000,000 | $30,850 + 5.75% of the value over $1,000,000 |
From the published QRO scales - duty accrues per $100 or part of $100, which the calculator applies exactly. First home buyers pay the home concession scale minus the first home deduction.
Duty is the tax on the way in - Queensland also charges land tax each year once your taxable land passes $600,000. The QLD land tax calculator shows that annual cost and the year growth pushes you over the threshold.
Frequently asked questions
How much is stamp duty in Queensland?
QLD transfer duty is calculated on a sliding scale. As an investor you pay the general rate - for example about $20,025 on a $600,000 purchase. Owner-occupiers pay the concessional home rate (1% on the first $350,000), and eligible first home buyers pay nothing up to $700,000, with the concession phasing out at $800,000. First home buyers purchasing an eligible new build pay no transfer duty at all, with no price cap.
What is the first home concession in QLD?
For contracts from 9 June 2024, eligible first home buyers receive a duty deduction of up to $17,350, which fully offsets the duty on homes up to $700,000. From $710,000 the deduction steps down by $1,735 per $10,000 band, reaching zero at $800,000. You must move in within one year and not dispose of the property before moving in, and from 1 August 2026 all buyers must be Australian citizens or permanent residents (or specified foreign retirees) to claim it.
Do first home buyers really pay zero duty on new builds?
Yes. For contracts from 1 May 2025, eligible first home buyers purchasing a new build - a home that has not previously been sold as a place of residence - pay no transfer duty, and there is no upper price cap on the exemption.
Is stamp duty tax deductible for investors?
Not as an annual deduction - in Queensland, transfer duty forms part of your capital cost base and reduces your capital gain when you eventually sell. It also affects your total cash required at settlement, which is why the Deal Auditor includes it in the acquisition breakdown.
Are these figures official?
They are calculated from the rate scales published by the Queensland Revenue Office, verified against the QRO transfer duty estimator, and current as at the date shown - including the statutory rounding of duty to each commenced $100. They are still estimates and eligibility rules have detail (from 1 August 2026, home concessions require buyers to be Australian citizens or permanent residents). Always confirm the exact figure with the QRO calculator or your conveyancer before relying on it.