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Real Estate Insight

Stamp duty

ACT stamp duty calculator 2026-27

The ACT charges owner-occupiers and investors different rates, and from 1 July 2026 eligible home buyers pay no duty at any price. Enter the price to see where you land.

By the Real Estate Insight team · Last reviewed 6 October 2026 · How we check our numbers

$

Buying

Australian Capital Territory · $750,000 · a home to live in

$19,208 stamp duty

2.56% of the price. With title office fees, $19,888 to the government in all.

How it adds up

Stamp duty (owner-occupier rates)$19,208
Transfer registration fee$496
Mortgage registration fee$184
Total to the government$19,888

Stamp duty on $750,000 in every state

For a home to live in, with the same settings.

NSW $27,937
VIC $40,070
QLD $19,600
WA $29,740.50
SA $35,080
TAS $28,935
ACT $19,208
NT $37,125

About this estimate. General information, not advice. Duty rates for contracts signed from 1 July 2026, checked against each revenue office's own calculator, and 2026-27 title office fees for electronic lodgement. Concessions have conditions we can't check, such as residency, how long you live in the home and whether you've owned property before. Your conveyancer confirms the final figure. How we check our numbers.

Owner-occupier rates, 2026-27

For a home you'll live in. Unchanged from 2025-26.

PriceDuty
$0 to $260,0000.28% of the price
$260,001 to $300,000$728 plus 2.2% of the price over $260,000
$300,001 to $500,000$1,608 plus 3.4% of the price over $300,000
$500,001 to $750,000$8,408 plus 4.32% of the price over $500,000
$750,001 to $1,000,000$19,208 plus 5.9% of the price over $750,000
$1,000,001 to $1,455,000$33,958 plus 6.4% of the price over $1,000,000
More than $1,455,0004.54% of the whole price

Charged per $100, or part of $100, over the bracket floor.

Investor (non-owner-occupier) rates

PriceDuty
$0 to $200,0001.2% of the price
$200,001 to $300,000$2,400 plus 2.2% of the price over $200,000
$300,001 to $500,000$4,600 plus 3.4% of the price over $300,000
$500,001 to $750,000$11,400 plus 4.32% of the price over $500,000
$750,001 to $1,000,000$22,200 plus 5.9% of the price over $750,000
$1,000,001 to $1,455,000$36,950 plus 6.4% of the price over $1,000,000
More than $1,455,0004.54% of the whole price

Charged per $100, or part of $100, over the bracket floor.

What you'd pay at different prices

PriceInvestorHome buyer First home, establishedFirst home, new
$400,000 $8,000 $5,008 Nil Nil
$600,000 $15,720 $12,728 Nil Nil
$800,000 $25,150 $22,158 Nil Nil
$1,000,000 $36,950 $33,958 Nil Nil
$1,500,000 $68,100 $68,100 Nil Nil

Contracts signed from 1 July 2026, Australian citizens or permanent residents, before title office fees.

Home Buyer Concession Scheme

From 1 July 2026 the scheme has no income test and no property value limit. If every buyer is an individual aged 18 or over, none of you (or your partners) has owned property in the last five years, and you live in the home for at least a year, there's no duty to pay. A first home buyer meets the ownership test by definition. More on the ACT first home buyer page.

Off the plan, and foreign buyers

Owner-occupiers buying an off-the-plan unit or townhouse (in a units plan not yet registered) pay no duty at any price, as long as they move in within a year and stay for at least a year. There's no foreign purchaser duty in the ACT, but foreign owners pay a 0.75% surcharge on their land tax every year.

Questions people ask

How much is stamp duty on $800,000 in the ACT?
$22,158 if you'll live in it and $25,150 for an investment, on the 2026-27 rates. Under the Home Buyer Concession Scheme, an eligible buyer pays nothing.
Do first home buyers pay stamp duty in the ACT?
No, if they qualify for the Home Buyer Concession Scheme. From 1 July 2026 it has no income test and no price limit: buyers who haven't owned property in the last five years, and who'll live in the home for at least a year, pay no duty at any price.
Why do investors pay more duty in the ACT?
The ACT has separate owner-occupier and non-owner-occupier rate tables. Investors pay more up to $1,455,000; above that both pay 4.54% of the whole price.
Is there an off-the-plan exemption in the ACT?
Yes. If you buy a unit or townhouse in a units plan before the plan is registered, and live in it for at least a year, there's no duty at any price. Every buyer must be an individual, not a company or trust.
Do foreign buyers pay extra duty in the ACT?
No. The ACT has no foreign purchaser duty. Foreign owners do pay a 0.75% land tax surcharge on residential land each year.
What are the registration fees in the ACT?
In 2026-27, $496 to register the transfer and $184 to register a mortgage.

Sources