Australian Capital Territory (ACT) Stamp Duty Calculator
Calculate stamp duty for property purchases in the ACT. Includes Home Buyer Concession Scheme (full exemption up to $1M), LMI, and mortgage calculations.
Buyer & Property Information
Stamp Duty Calculation
$35,750
Total Costs
$37,550
$4,542/Month
Stamp Duty Calculation
I Am a,, For the Purpose of
Buying a Property in State With a Price of $
ACT Base Stamp Duty Calculation:
Bracket 6 ($1,000,000-$1,455,000): $35,750 + ($0 × 4.54%)
= $35,750
Upfront Cost Breakdown
Total Upfront Costs
Conveyancing fee is an estimate only (typically $800–$2,500). Actual fees vary by conveyancer/solicitor and state.
Stamp Duty Comparison by State
Loan Calculation
Mortgage Calculation (Principal & Interest)
= $800,000 × (Monthly Rate: 0.004583 × (1 + 0.004583)^Total Months: 360) ÷ ((1 + 0.004583)^360 - 1)
= $4,542
Compare with Lenders
Rates as of 2026-03-10| Lender | Rate | Monthly | Diff |
|---|---|---|---|
| UBank | 5.74% | $4,664 | +121 |
| Macquarie Bank | 5.9% | $4,745 | +203 |
| ING | 5.93% | $4,760 | +218 |
| Bank of Queensland | 6.04% | $4,817 | +275 |
| Suncorp | 6.04% | $4,817 | +275 |
| Bendigo Bank | 6.09% | $4,843 | +300 |
| ANZ | 6.14% | $4,869 | +326 |
| Westpac | 6.19% | $4,895 | +352 |
| NAB | 6.19% | $4,895 | +352 |
| Commonwealth Bank | 6.24% | $4,921 | +378 |
Free, no obligation quote from leading Australian lenders
Mortgage Cashflow Over Time
📊 Get a Personalised Property Report
Receive a detailed breakdown of all costs, savings opportunities, and a comparison with similar properties in your area — delivered straight to your inbox.
We respect your privacy. No spam, unsubscribe anytime.
Key Points About Australian Capital Territory Stamp Duty
📖 Full ACT Stamp Duty Guide →- ✓Home Buyer Concession Scheme: full exemption up to $1M
- ✓Phasing out stamp duty in favor of general rates
- ✓No foreign buyer surcharge
- ✓Payment due within 90 days
The Australian Capital Territory is unique in phasing out stamp duty in favor of general rates. The Home Buyer Concession Scheme offers full duty exemption on properties up to $1 million and partial concessions up to $1.455 million. Notably, the ACT does not impose a foreign buyer surcharge.
Frequently Asked Questions About Australian Capital Territory Stamp Duty
How does stamp duty work in the ACT?
The ACT is phasing out stamp duty in favor of general rates. However, the Home Buyer Concession Scheme offers full stamp duty exemption for properties up to $1 million.
What are the first home buyer concessions in the ACT?
The ACT offers the Home Buyer Concession Scheme with full duty exemption on properties up to $1 million and partial concessions up to $1.455 million.
Is there a foreign buyer duty in the ACT?
No, the ACT does not currently impose a foreign buyer surcharge on residential property purchases.
When do I need to pay stamp duty in the ACT?
Stamp duty in the ACT must be paid within 90 days of the contract settlement date.
Stamp Duty Calculators for Other States
Data Update History
We keep our stamp duty rates, thresholds, and fees up to date. Here is a log of every data change.
- NSW
NSW foreign surcharge updated
NSW foreign buyer surcharge increased from 8% to 9%. FIRB application fees updated for FY2025-26.
- NSW, VIC, QLD, SA, WA, TAS, ACT, NT
Bank rates & FHB thresholds updated
Updated bank comparison interest rates for March 2026. Revised First Home Buyer stamp duty concession thresholds across multiple states.
Year references updated to 2026
All page titles, meta descriptions, keywords, headlines, and structured data updated from 2025 to 2026.
Bank rate configuration centralised
Replaced hardcoded bank interest rates with a centralised configuration file for easier maintenance.
- QLD, SA, WA, TAS, ACT, NT
All states & territories added
Added stamp duty calculations for QLD, SA, WA, TAS, ACT, and NT alongside existing NSW and VIC support.
- NSW, VIC
Initial launch
Stamp duty calculator launched with NSW and VIC support, including first home buyer concessions and rebate calculations.