Australian FHB Stamp Duty Concession Calculator

Calculate first home buyer stamp duty exemptions and concessions for all Australian states and territories. See how much you save in NSW, VIC, QLD, WA, SA, TAS, NT, and ACT — and how to stack all available first home buyer benefits.

$
FHB Stamp Duty Saving
A$28,485
Full exemption — under $800,000 threshold
Standard Stamp Duty
A$28,485
FHB Concession
A$28,485
You Pay
A$0
Effective Saving
100%
NSW: 100% exemption for FHB on properties up to $800,000

FHB stamp duty concessions differ dramatically by state. Here is how each state treats your property price of A$750,000.

StateStandard DutyFHB ConcessionYou PayEligible?
New South WalesA$28,485A$28,485A$0Yes
VictoriaA$40,070A$0A$40,070Yes
QueenslandA$26,775A$0A$26,775No
Western AustraliaA$29,588A$0A$29,588No
South AustraliaA$35,080A$0A$35,080No
TasmaniaA$28,880A$14,440A$14,440Yes
Northern TerritoryA$37,125A$37,125A$0Yes
Australian Capital TerritoryA$23,600A$11,800A$11,800Yes

As a first home buyer you can stack multiple government benefits. Here is your total potential benefit in New South Wales.

Stamp Duty Concession
A$28,485
FHB stamp duty exemption / concession
FHOG (First Home Owner Grant)
A$10,000
NSW FHOG estimate — confirm eligibility for new builds
First Home Guarantee (5% deposit)
A$15,000
Estimated LMI saving by using FHBG — no 20% deposit needed
FHSS Withdrawal
Up to $50,000
First Home Super Saver Scheme — pre-tax contributions withdrawn for deposit (federal)
Total Estimated Benefit
A$53,485
Stamp duty + FHOG + FHBG LMI saving (combined)
Note: The First Home Guarantee (FHG) allows eligible FHBs to buy with just 5% deposit without paying Lenders Mortgage Insurance (LMI). The government guarantees the remaining 15%. FHSS allows you to save up to $50,000 through superannuation and withdraw it for your deposit with tax advantages.

How to Use This FHB Stamp Duty Concession Calculator

Select your state or territory, enter the property price, and choose whether you are buying an established home or new build. The calculator shows the standard stamp duty, your FHB concession amount, and what you actually pay — for your specific state.

This calculator focuses specifically on first home buyer stamp duty exemptions and concessions. For general stamp duty without FHB concessions, see the Australian Stamp Duty Calculator.

FHB Stamp Duty Concessions by State

NSW: Full exemption ≤$800K, sliding to $1M
VIC: Full exemption ≤$600K, sliding to $750K
QLD: Full exemption ≤$550K (est) / $700K (new)
WA: Full exemption ≤$450K (est) / $530K (new)
SA: Full exemption ≤$650K (from June 2024)
TAS: 50% concession ≤$750K
NT: Full exemption ≤$750K
ACT: Full waiver for new builds ≤$800K

All concessions require you to be an Australian citizen or permanent resident aged 18+, never have owned property in Australia, and occupy the property as your principal place of residence.

Example: Buying in New South Wales

Jessica — First Home Buyer, $780,000 Established Home in Western Sydney

Purchase Price$780,000
Standard Stamp Duty$30,070
FHB Concession (full — under $800K)$30,070
Stamp Duty Jessica Pays$0
First Home Owner Grant (new builds only)$0 (established — no grant)
First Home Guarantee (5% deposit, no LMI)~$15,600 LMI saving
FHSS super withdrawalUp to $50,000
Total combined saving~$45,670+

Jessica saves $30,070 in stamp duty plus avoids LMI through the First Home Guarantee scheme — a combined benefit of over $45,000 on her first purchase.

Frequently Asked Questions

No. First home buyer stamp duty concessions apply only to owner-occupied principal residences. You must move into the property within 12 months of settlement and live there for at least 6–12 months (varies by state). Buying an investment property as your first property means you do not qualify for any FHB concessions.
Rules vary by state. In NSW, if one buyer has previously owned property, the concession is generally reduced proportionally to the FHB's share of ownership. In Victoria, if at least one buyer qualifies as a FHB, the full concession may apply in some circumstances — confirm with the State Revenue Office. Always get advice before assuming eligibility.
Yes — and in some states new builds get a higher threshold. Queensland offers a $700,000 threshold for new builds vs $550,000 for established. Western Australia offers $530,000 for new builds vs $450,000 for established. Check your state's specific rules as they change.
Yes — the FHB stamp duty concession and the First Home Owner Grant (FHOG) are separate benefits and can both be claimed if you are eligible. You can also combine them with the First Home Guarantee (5% deposit, no LMI) and the First Home Super Saver Scheme (FHSS) for a total benefit that can exceed $50,000+.
Stamp duty (transfer duty) is typically due on settlement day. In NSW, it must be paid within 3 months of exchange of contracts. You cannot add stamp duty to your home loan — it must be paid from savings. FHB concessions are applied automatically when your conveyancer lodges the transfer documents with the state revenue office.

Related Australian Calculators

📋Stamp Duty Calculator (all buyers) 🏠First Home Guarantee Calculator 💰FHSS Calculator 🎁First Home Owner Grant 🔐LMI Calculator 🏡Australian Mortgage Calculator