Queensland Stamp Duty on $1M β€” All Buyer Types

Side-by-side stamp duty for a $1M property in Queensland, across the three main buyer profiles. Click any card for the full breakdown.

First Home Buyer

$38,025

Standard rates apply

See full breakdown β†’

Owner Occupier

$38,025

Standard rates apply

See full breakdown β†’

Investor

$38,025

Standard rates apply

See full breakdown β†’

Customise β€” Queensland Stamp Duty Calculator

Prefilled at $1M for a first home buyer. Adjust price or buyer profile to recalculate.

Buyer & Property Information

Stamp Duty Calculation

$38,025

Total Costs

$39,825

$4,542/Month

Stamp Duty Calculation

I Am a,, For the Purpose of

Buying a Property in State With a Price of $

QLD Base Stamp Duty Calculation:

Property Price: $1,000,000
Bracket 5 (>$1,000,000): $38,025 + ($0 Γ— 5.75%)
= $38,025

First Home Buyer Stamp Duty Policy (QLD):

Exceeds first home buyer threshold, full stamp duty applies = $38,025

Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$38,025
Conveyancing / Legal Fees (est.)$1,800
Total Upfront Costs$39,825

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$200,000
Loan Amount$800,000

Mortgage Calculation (Principal & Interest)

Loan Amount$800,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$4,542
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $800,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $4,542
Total Repayment$1,635,232
Total Interest$835,232

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$4,791+249
ING5.99%$4,791+249
Commonwealth Bank6.09%$4,843+300
Macquarie Bank6.09%$4,843+300
UBank6.09%$4,843+300
Bendigo Bank6.14%$4,869+326
Bank of Queensland6.14%$4,869+326
ANZ6.39%$4,999+456
NAB6.44%$5,025+483
Suncorp6.54%$5,078+535
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Mortgage Cashflow Over Time

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Queensland Stamp Duty on $1M β€” All Buyer Types | StampDutyCheck