Property Tax Tools

Stamp Duty Calculator QLD (2025-26)

Check QLD transfer duty before you make an offer. Includes first home concessions, AFAD, and buyer-type scenarios with current 2025-26 rates.

2025–26 ATO rates · Updated 15 Feb 2026 · No signup required Estimates only. Not tax or financial advice. Full disclaimer

Related tools and guides: Stamp Duty Calculator , Capital Gains Tax Calculator , and Is Stamp Duty Tax Deductible? (Investment Property) .

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How does transfer duty work in Queensland?

Transfer duty in Queensland is a one-off tax payable when you purchase property. It is calculated on the purchase price (or market value, whichever is higher) using progressive rate brackets. Higher-value properties attract a higher marginal rate, up to a top rate of 5.75%.

First home buyers: No duty up to $700,000; first home concession tapers to $800,000.

Foreign buyers: 8% additional foreign acquirer duty (AFAD).

For full details and to verify current rates, visit Queensland Revenue Office .

Queensland transfer duty rates

Property value Marginal rate Duty payable
$0 – $5,000 0% Nil
$5,001 – $75,000 1.5% $1.50 per $100 over $5,000
$75,001 – $540,000 3.5% $1,050 + $3.50 per $100 over $75,000
$540,001 – $1,000,000 4.5% $17,325 + $4.50 per $100 over $540,000
Over $1,000,000 5.75% $38,025 + $5.75 per $100 over $1,000,000

Source: Queensland Revenue Office. Retrieved 15 Feb 2026. Standard buyer rates shown.

QLD home concession rates

Queensland has two rate schedules: general rates (shown above, for investment properties) and home concession rates (for owner-occupiers buying a home to live in). The home concession rate is lower, especially for properties up to $540,000. If you are buying a home to live in, the home concession rate will apply automatically.

Worked example: Queensland transfer duty

Purchase price: $650,000

Estimated transfer duty: $13,275

For a property valued at $650,000 in QLD at general rates: first $5,000 = nil, $5,001-$75,000 = $1,050, $75,001-$540,000 = $16,275, $540,001-$650,000 = $4,950. Total = $13,275 at general rates. A first home buyer would receive a concession reducing this amount.

Use the calculator above to estimate transfer duty for any purchase price. The calculator also shows how Queensland compares with other Australian states.

City scenario: Brisbane

Brisbane investors should compare general and concession schedules carefully, as owner-occupier assumptions can materially understate duty.

In a Brisbane scenario around $650,000, this page estimates upfront duty around $13,275 under current published rates.

Verify your result with the official source

Cross-check your estimate against official guidance from Queensland Revenue Office . Confirming rates and concessions there helps validate assumptions before settlement.

Queensland purchase-planning context

Queensland has separate general and home concession schedules. Investor purchases generally sit on the general schedule, so using owner-occupier assumptions can materially understate duty.

For foreign purchasers, AFAD is applied on top of base transfer duty. In acquisition planning, that surcharge can change suburb and price-band feasibility more than small loan-rate differences.

Is stamp duty tax deductible?

Stamp duty paid on the purchase of an investment property is not an immediately deductible expense. Instead, it forms part of the cost base of the property for capital gains tax (CGT) purposes. This means when you eventually sell the investment property, the stamp duty you paid at purchase reduces your taxable capital gain, lowering your CGT liability.

For your principal place of residence, stamp duty is generally not tax deductible at all, as the main residence CGT exemption means the cost base is typically irrelevant.

Assumptions and limitations

  • Standard buyer rates shown. First home buyer concessions and foreign surcharges are calculated separately using the buyer type selector.
  • General rates shown for investment purchases. Home concession rates (lower) apply for owner-occupiers buying a home to live in.
  • Does not model off-the-plan concessions, regional variations, or exemptions for specific transaction types (e.g. related party transfers, family law).
  • Duty is calculated on the purchase price. In some cases, revenue offices may assess duty on the market value if it is higher than the contract price.

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Frequently asked questions

How much is stamp duty in QLD?
QLD transfer duty ranges from nil (for properties up to $5,000) to 5.75% for properties over $1,000,000. For a typical $650,000 property, standard transfer duty is approximately $22,275.
Are first home buyers exempt from stamp duty in QLD?
Eligible first home buyers in QLD can reduce transfer duty to $0 on homes valued up to $700,000. The first home concession then tapers between $700,000 and $800,000. Above $800,000, the first home concession stops, but the ordinary home concession may still reduce duty if you are buying the property to live in.
What is the difference between general rates and home concession rates in QLD?
QLD has two rate schedules: general rates (for investment properties and non-residential) and home concession rates (for owner-occupiers buying a home to live in). Home concession rates are lower, especially below $540,000.
Do I pay stamp duty on investment property in QLD?
Yes. Investment properties attract transfer duty at the general rate, which is higher than the home concession rate. The first home concession does not apply to investment properties.
Is stamp duty tax deductible in QLD?
Stamp duty is not immediately deductible. For investment properties, it forms part of the cost base for capital gains tax purposes. It is not deductible for owner-occupied properties.
What is the foreign buyer surcharge in QLD?
Foreign acquirers of residential land in QLD pay an additional foreign acquirer duty (AFAD) of 8%, on top of the standard transfer duty.

Verify your result

Cross-check your estimate with official government resources:

Sources

Important Disclaimer

This calculator provides general information only and is not intended as tax advice, financial advice, or a recommendation to buy, sell, or hold any investment property. The results are estimates based on the information you provide and the tax rules applicable to the 2025-26 financial year.

Tax rules and rates are subject to change. The calculations may not account for all factors that apply to your specific situation, including but not limited to: HELP/HECS-HELP repayments, Medicare Levy Surcharge, private health insurance rebate adjustments, foreign income, or trust distributions.

We are not affiliated with the Australian Taxation Office (ATO) or any state or territory revenue office. All rates and thresholds are sourced from publicly available government data (see sources below).

Seek professional advice. For advice specific to your financial situation, speak with a registered tax agent, accountant, or licensed financial adviser.

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