General information only — not financial advice. This content is intended as educational guidance. Consult a qualified financial adviser, mortgage broker, or legal professional before making financial decisions. See our full disclaimer.
Australian state governments periodically adjust stamp duty thresholds, concessions, and surcharges. Here are the key changes impacting property buyers in 2026:NSW: First home buyer exemption maintained at $800,000, with concession rates extended to $1,000,000VIC: Full exemption
Most changes take effect from 1 July (start of the financial year) or when announced in state budgets (typically May–June). The date of your contract of sale determines which rates apply — not the settlement date.
Not in the near term for any state except the ACT (which is transitioning over 20 years). While reform is widely discussed, the billions in annual revenue stamp duty generates makes it politically difficult to abolish quickly.
Check after each state budget (typically May–June for most states, September for the ACT). Our calculator is updated quarterly to reflect the latest rates and thresholds.
Use our free calculator to get personalised results based on your specific situation. No sign-up required.