Quick answer: Transfer duty by state, 2024–25 scales: a $750,000 home carries about $28,270 in NSW, $40,070 in Victoria and $26,775 in Queensland. See yours before you sign.
Transfer duty is a state tax, and the state line on the contract is a real price difference: the same $750,000 home carries about $28,270 of duty in NSW, $40,070 in Victoria and $26,775 in Queensland on the 2024–25 published scales. Pick your state, see the duty and the effective rate. First-home concessions are flagged honestly rather than guessed — they are generous, state-specific, and change often enough that your state revenue office deserves the final word.
Victoria's scale reaches a 6% marginal rate by $130,000 and flattens at 5.5% of the full price for most metropolitan purchases — the steepest of the big three. NSW and Queensland climb more slowly. On the default $750,000 the Victorian buyer pays roughly $12,000–13,000 more than either neighbour for the identical price.
Real relief, defined per state: exemptions and concessions that can eliminate duty entirely under state-specific price thresholds and phase out above them. The rules shift with budgets — which is why this calculator flags eligibility instead of computing a number that could be a year stale. Check your state revenue office with your exact price.
Yes, and it is due at or shortly after settlement in cash — lenders don't fold it into the loan. On a $750,000 NSW purchase with a 10% deposit you need about $103,000 of cash before moving costs: $75,000 deposit plus $28,270 of duty. Budgeting the duty late is the classic first-purchase shock.
Every calculator runs from one config: your name, your colours, your prices. Brand it below, open any tool from the catalogue, and finish a quote — the lead lands in the table here the moment the estimate unlocks. On your own site the widget works exactly like this.
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