Work out your duty in seconds
Our free QLD calculator applies the current rates and concessions for you.
How transfer duty is calculated in QLD
Duty is charged on the dutiable value of the property: the purchase price or market value, whichever is greater. The 2026-27 scale is:
| Property value | Duty |
|---|
| $0 to $5,000 | Nil |
| $5,001 to $75,000 | $1.50 per $100 over $5,000 |
| $75,001 to $540,000 | $1,050 plus $3.50 per $100 over $75,000 |
| $540,001 to $1,000,000 | $17,325 plus $4.50 per $100 over $540,000 |
| Over $1,000,000 | $38,025 plus $5.75 per $100 over $1,000,000 |
What you might pay
Estimates for an owner-occupier under current QLD rates. Figures exclude title registration and other fees.
| Price | Owner-occupier
(established) | First home buyer
(established) | First home buyer
(new home) |
|---|
| $500,000 | $8,750 | $0 | $0 |
| $650,000 | $15,100 | $0 | $0 |
| $750,000 | $19,600 | $10,925 | $0 |
| $850,000 | $24,100 | $24,100 | $0 |
| $1,000,000 | $30,850 | $30,850 | $0 |
Your circumstances change the numbers. Run your own figures in the QLD calculator.
Concessions and exemptions
Home concession
Any owner-occupier, not just first home buyers, pays a concessional 1% rate on the first $350,000 of value, saving up to $7,175. You must move in within 1 year.
First home (new home) concession
For contracts from 1 May 2025, first home buyers pay no transfer duty on a new or substantially renovated home, with no price cap.
First home vacant land concession
For contracts from 1 May 2025, no transfer duty on vacant residential land where you will build your first home, with no value cap. Move in within 2 years.
First home concession (established homes)
Full relief up to $700,000, phasing out at $800,000. Above $800,000 the standard home concession still applies.
Eligibility change from 1 August 2026
From 1 August 2026, home and first home concessions require buyers to be Australian citizens, permanent residents or specified foreign retirees.
Frequently asked questions
Do first home buyers pay stamp duty in Queensland?
Eligible first home buyers pay no transfer duty on a new home, or vacant land to build one, at any price with no cap, for contracts from 1 May 2025. For established homes, full relief applies up to $700,000, phasing out at $800,000. From 1 August 2026, buyers must also be Australian citizens, permanent residents or specified foreign retirees.
How much is stamp duty in Queensland?
Transfer duty is charged on a sliding scale, and owner-occupiers get the home concession, which charges only 1 per cent on the first $350,000 of value. On a $700,000 home, an owner-occupier pays $17,350, while an investor pays $24,525. Use our calculator above for your exact figure.
When is stamp duty payable in Queensland?
Your transaction must be lodged with QRO within 30 days of liability arising, usually when the contract is signed or becomes unconditional. Where your conveyancer lodges as a self assessor, duty is generally payable within 14 days of lodgement. In practice duty is paid at or before settlement.
Is stamp duty cheaper if I live in the home?
Yes. The home concession is available to any buyer who moves into the property within one year and lives there, not just first home buyers. It applies a concessional 1 per cent rate to the first $350,000 of value, saving up to $7,175. Selling or renting out the whole home within the first year can trigger partial repayment.
Who pays stamp duty, the buyer or the seller?
The buyer pays transfer duty in Queensland. All parties to a dutiable transaction are technically liable, but contracts make the buyer responsible in practice. Your conveyancer normally handles lodgement and payment through QRO Online.
Can I add stamp duty to my mortgage?
Not directly. Duty falls due around settlement, so it must be paid upfront, usually from savings. Some lenders will let you borrow more to cover it if your deposit and equity allow, but that increases your loan size and can trigger lenders mortgage insurance.
Do pensioners get a stamp duty concession in Queensland?
No. Queensland has no pensioner-specific transfer duty concession. Pensioners buying a home to live in can still claim the general home concession (1 per cent on the first $350,000), which is available to all owner-occupiers.
How much extra do foreign buyers pay in Queensland?
Foreign acquirers pay additional foreign acquirer duty (AFAD) of 8 per cent of the dutiable value on residential land, on top of standard transfer duty. Australian citizens and permanent residents are not foreign acquirers.
How we check these QLD rates
Rates confirmed current following the 23 June 2026 Queensland Budget. Verified against official government sources, current as at 11 July 2026.
Compare with other states in our Australia-wide stamp duty FAQ, or jump straight to the QLD stamp duty calculator.
General information only, not legal or financial advice. Duty is assessed by the relevant state revenue office; confirm your figure with your licensed conveyancer or conveyancing solicitor.
