Every state calculates stamp duty differently. Under 20% deposit adds LMI. APRA still tests you at your rate +3%. Enter your target price and state below — get the true cash you need to walk through the door, not a US-style ballpark.
NSW
New South Wales
VIC
Victoria
QLD
Queensland
WA
West Australia
SA
South Australia
TAS
Tasmania
ACT
A.C.T.
NT
N. Territory
ð
First home buyer
Unlocks state concessions + FHOG
ðïļ
New / off-the-plan home
Big impact in QLD, SA, VIC
ðĄïļ
Home Guarantee (5% deposit)
Skip LMI, eligible FHBs only
// target purchase price
$800,000
$200k$800k$1.5M$3M
// deposit
%= $160,000
// mortgage rate
% p.a.
// cash you need on settlement day
$0
deposit + stamp duty + LMI + legal fees
ð°
Deposit
$160,000
20% of purchase price
ðïļ
Stamp duty
$31,490
NSW rate applied
ðĄïļ
LMI premium
$0
Not required — deposit is 20%
ð
Legal & fees
$3,800
Conveyancer, inspections, transfer reg
Monthly · actual rate
$4,003
P&I over 30 years at 6.4%
APRA stressed · rate +3%
$5,335
What the bank tests you can afford at 9.4%
ðž Reverse solve — what can I actually afford?
Household income (gross, /yr)
Dependants
Max bank will lend you:
Type your income above to see your bank-approved ceiling under APRA rules.
Same purchase price · stamp duty across all 8 states
ð NSW concessions & grants
â ïļ General information only, not financial advice. Stamp duty formulas are based on 2025-26 rate schedules from state revenue offices — for your exact figure use your state revenue office (Revenue NSW, VIC SRO, QLD OSR, etc.). LMI premium is a rough Genworth-style estimate; real premiums vary by lender and insurer. Serviceability estimate uses a simplified HEM assumption and the APRA 3% buffer, but every lender uses different HEM tables and policies. First Home Guarantee eligibility has income, price and residency caps. Nothing you enter here is saved or sent anywhere — all calculations run in your browser.