Australian Capital Territory Stamp Duty $500k β€” Owner Occupier | $8,408

A owner occupier purchasing a $500k property in Australian Capital Territory pays $8,408 in stamp duty.

Stamp Duty Payable

$8,408

on a $500k property in ACT

Buyer & Property Information

Stamp Duty Calculation

$8,408

Total Costs

$9,508

$2,271/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:

Property Price: $500,000
Bracket 4 ($500,000-$750,000): $8,408 + ($0 Γ— 4.32%)
= $8,408
Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$8,408
Conveyancing / Legal Fees (est.)$1,100
Total Upfront Costs$9,508

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

Deposit Ratio: %
Loan Term: Years
Interest Rate: %
Deposit Amount$100,000
Loan Amount$400,000

Mortgage Calculation (Principal & Interest)

Loan Amount$400,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$2,271
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $400,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $2,271
Total Repayment$817,616
Total Interest$417,616

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$2,396+124
ING5.99%$2,396+124
Commonwealth Bank6.09%$2,421+150
Macquarie Bank6.09%$2,421+150
UBank6.09%$2,421+150
Bendigo Bank6.14%$2,434+163
Bank of Queensland6.14%$2,434+163
ANZ6.39%$2,499+228
NAB6.44%$2,513+241
Suncorp6.54%$2,539+268
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Mortgage Cashflow Over Time

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Cost Breakdown

ItemAmount
Property Price$500,000
Base Stamp Duty$8,408
Stamp Duty Payable$8,408

Frequently Asked Questions

How much stamp duty do I pay on a $500k property in Australian Capital Territory?β–Ύ
A owner occupier purchasing a $500k property in Australian Capital Territory pays $8,408 in stamp duty.
Are there stamp duty concessions for owner occupiers in Australian Capital Territory?β–Ύ
Standard rates apply for owner occupiers. No concessional rates are available.
When is stamp duty due in Australian Capital Territory?β–Ύ
In Australian Capital Territory, stamp duty (transfer duty) is generally due within 3 months of signing the contract, or on settlement β€” whichever is earlier.
What is the stamp duty rate in Australian Capital Territory?β–Ύ
Australian Capital Territory uses a progressive bracket system. The exact rate depends on the purchase price β€” for a $500k purchase as a owner occupier, the effective rate is approximately 1.68%.

Compare Buyer Types β€” $500k in ACT

First Home Buyer$0Investor$8,408Foreign Buyer$8,408

Stamp Duty at Other Prices β€” ACT Owner Occupier

$300k$1,608$750k$19,208$900k$28,058$1M$33,958$1.25M$49,958$1.5M$2,043$2M$24,743$3M$70,143$5M$160,943

Need a Custom Calculation?

Use our full Australian Capital Territory stamp duty calculator for exact amounts with your specific property details.

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Australian Capital Territory Stamp Duty $500k β€” Owner Occupier | $8,408