Stamp Duty on a $400,000 Home in ACT
At $400,000, the stamp duty bill in ACT is $11,400 for a standard buyer. Here's the full breakdown, the first home buyer scenario, what it costs in other states, and what your monthly repayments would look like.
Want to change the price or buyer type? Use the full Stamp Duty Calculator — covers all states, all buyer types, and updates instantly.
A broker can help you budget for the $11,400 stamp duty plus deposit, LMI and ongoing repayments — and find a loan that fits.
What this would cost in other states
Same $400,000 purchase price, different state revenue offices. Standard buyer.
Stamp duty varies by tens of thousands of dollars between states for the same price. It's one of the largest upfront costs in any property purchase.
Mortgage repayments at $400,000
If you put down a 20% deposit ($80,000) and borrow the remaining $320,000 at 6.2% over 30 years:
Deposit and stamp duty together is the real upfront cost. Use the mortgage calculator to model different rates and terms, or Can I Afford to Buy? to see if you can make the jump from renting.
How stamp duty is calculated in ACT
The ACT is in the middle of a long-term phase-out of stamp duty, replacing it gradually with a broad-based land tax. Rates are still significant — 5.25% applies between $500k and $750k, jumping to 7% above that — but expected to fall further over the next decade.
ACT does not currently offer a stamp duty concession or exemption for first home buyers. The First Home Owner Grant may still apply for new builds — check the ACT Revenue Office website.
The figures above use the ACT ACT Revenue Office schedule. Rates are reviewed periodically — always confirm the latest figures with the official state revenue office before making an offer.
- Pay it upfront: Stamp duty is due within 30–90 days of settlement depending on the state. Most buyers pay it from their deposit savings, so factor it into your "money to put aside" number — not just your loan.
- It's not borrowable: Banks generally won't lend you money to pay stamp duty. You need it in cash on top of your deposit.
- It changes with price: Even a $50,000 increase in purchase price can push you into a higher bracket, especially in NSW and VIC.