Queensland Stamp Duty $3M β€” Owner Occupier | $153,025

A owner occupier purchasing a $3M property in Queensland pays $153,025 in stamp duty.

Stamp Duty Payable

$153,025

on a $3M property in QLD

Buyer & Property Information

Stamp Duty Calculation

$153,025

Total Costs

$155,525

$13,627/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: $3,000,000
Bracket 5 (>$1,000,000): $38,025 + ($2,000,000 Γ— 5.75%)
= $153,025
Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$153,025
Conveyancing / Legal Fees (est.)$2,500
Total Upfront Costs$155,525

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$600,000
Loan Amount$2,400,000

Mortgage Calculation (Principal & Interest)

Loan Amount$2,400,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$13,627
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $2,400,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $13,627
Total Repayment$4,905,697
Total Interest$2,505,697

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$14,374+747
ING5.99%$14,374+747
Commonwealth Bank6.09%$14,528+901
Macquarie Bank6.09%$14,528+901
UBank6.09%$14,528+901
Bendigo Bank6.14%$14,606+979
Bank of Queensland6.14%$14,606+979
ANZ6.39%$14,996+1,369
NAB6.44%$15,075+1,448
Suncorp6.54%$15,233+1,606
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Mortgage Cashflow Over Time

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Cost Breakdown

ItemAmount
Property Price$3,000,000
Base Stamp Duty$153,025
Stamp Duty Payable$153,025

Frequently Asked Questions

How much stamp duty do I pay on a $3M property in Queensland?β–Ύ
A owner occupier purchasing a $3M property in Queensland pays $153,025 in stamp duty.
Are there stamp duty concessions for owner occupiers in Queensland?β–Ύ
Standard rates apply for owner occupiers. No concessional rates are available.
When is stamp duty due in Queensland?β–Ύ
In Queensland, 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 Queensland?β–Ύ
Queensland uses a progressive bracket system. The exact rate depends on the purchase price β€” for a $3M purchase as a owner occupier, the effective rate is approximately 5.10%.

Compare Buyer Types β€” $3M in QLD

First Home Buyer$153,025Investor$153,025Foreign Buyer$393,025

Stamp Duty at Other Prices β€” QLD Owner Occupier

$300k$8,925$500k$15,925$750k$26,775$900k$33,525$1M$38,025$1.25M$52,400$1.5M$66,775$2M$95,525$5M$268,025

Need a Custom Calculation?

Use our full Queensland stamp duty calculator for exact amounts with your specific property details.

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Queensland Stamp Duty $3M β€” Owner Occupier | $153,025