Stamp duty, ACT
Stamp Duty Calculator ACT
Estimate conveyance duty on a property purchase in the Australian Capital Territory. Enter the price in the ACT calculator, and see the ACT concessions and rules below.
Calculator results are estimates only. They are not a quote, a pre-qualification or a loan offer, and they don’t consider your objectives, financial situation or needs.
ACT rules
What’s different in ACT.
The ACT’s 2026 change is a big one: if you qualify, there’s no duty at any price. That can leave more of your savings for your deposit, which may help with your LVR and lenders mortgage insurance.
- Home Buyer Concession Scheme, from 1 July 2026: eligible buyers pay no conveyance duty on a home or vacant land. The income threshold and the property value limit have been removed.
- It isn’t only for first home buyers: the rule is that no buyer has owned or held an interest in other property in the 5 years before the transaction.
- Living in it: at least one buyer owns and lives in the home for at least one year, starting within a year of settlement (or of the certificate of occupancy for land).
- Before 1 July 2026, income and value limits applied, so check which rules cover your transaction date.
Checked against the ACT Revenue Office on 8 Nov 2026. Rules change, often at budget time, and the rules that apply are the ones in force on your contract or transaction date. Sources: ACT Revenue Office: conveyance duty. ACT Revenue Office: about the Home Buyer Concession Scheme. ACT Revenue Office: Home Buyer Concession Scheme rules by date.
Your buying costs
Stamp duty is one part of the upfront cost.
Budget for the rest too
Conveyancing, building and pest inspections, lender fees, any lenders mortgage insurance, and moving costs. With less than a 20% deposit, LMI can be a bigger cost than you expect. Try the LVR calculator.
How duty affects your loan
Lenders generally expect duty and costs to come from your own funds, so confirm with your lender. It shapes how much deposit you need. We work out your whole buying position with you and compare options from a panel of 40+ lenders.
Buying your first home?
See our first home buyer guide, or read about our mortgage broking in Canberra.
Stamp duty in other states: NSW · VIC · QLD · WA · SA · TAS · NT · All states
Questions
Common questions, straight answers.
Do I pay stamp duty in Canberra under the Home Buyer Concession Scheme?
From 1 July 2026, eligible buyers are exempt from conveyance duty under the scheme, with no income threshold or property value limit.
Do I need to be a first home buyer?
Not exactly. No buyer can have owned or held an interest in other property in the 5 years before the transaction, plus other conditions.
Who confirms the final stamp duty?
Your conveyancer or solicitor confirms the final duty, along with any concession or exemption you’re eligible for under the ACT Revenue Office’s rules.
What does it cost to use a mortgage broker?
We don’t charge you for our service. Lenders pay us a commission if you go ahead with a loan. Lender fees may apply, and we go through them with you before you decide.
Talk through your buying costs.
No obligation. No pressure. Just honest answers.
We don’t charge you for our service. Lenders pay us a commission if you go ahead with a loan.