ACT stamp duty
First Home Buyer Stamp Duty — ACT
Tool page for ACT first-home estimates. At a $800,000 owner-occupied purchase, modelled stamp duty is $0; funds to complete at 20% deposit are about $160,620. The decision briefing lives on the ACT learn hub — do not treat this page as the article.
ACT first-home duty relief is income-tested — the calculator cannot see your taxable income. Read the Australian Capital Territory learn hub.
Estimate at median price
- Property value
- $800,000
- Deposit (20%)
- $160,000
- Stamp duty
- $0
- Government fees
- $620
- Funds to complete (20%)
- $160,620
- At 10% deposit
- $80,620 · LMI typically applies
ACT FHB income-tested exemption (≤ $1,020k) — verify eligibility with ACT Revenue
Try your own numbers
Funds to complete
Pick your state, enter a price, compare deposits. Instant — no signup.
- Deposit (20%)
- $160,000
- Stamp duty
- $0
- Government fees
- $620
- Transfer
- $450
- Mortgage registration
- $170
- Funds to complete
- $160,620
- Loan $640,000 · LVR 80%
- No LMI typically
Why these numbers
- Live-in + FHB: 5% Deposit Scheme path is available when within the price cap.
- 5% Scheme: cash $40,620 (−$120,000 vs current) · LVR 95% · no LMI typically
- 10% deposit: cash $80,620 (−$80,000 vs current) · LVR 90% · LMI typically applies
- FHOG: ACT: FHOG not available for established homes
ACT FHB income-tested exemption (≤ $1,020k) — verify eligibility with ACT Revenue
LVR ≤ 80% — LMI not typically required.
Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.
Settlement cash checklist
Prefills duty and fees from the estimate. Tick what you will fund in cash, edit soft costs, and aim for cleared funds before settlement. Not a conveyancer statement.
- $160,000
- $0
- $450
- $170
LMI not typically required at this LVR / scheme path.
Cleared funds target
$166,120
Confirm the cleared-funds date with your conveyancer and lender — adjustments and rates can move after exchange.
Keep a copy
Download a one-page PDF, or email it to yourself. This is not a broker lead form.
Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.
Official sources
Use these sites to confirm duty, grants and scheme eligibility for your contract. DutyStack models common residential paths for education; the revenue office assessment wins.
- NSW — Revenue NSW
- VIC — State Revenue Office Victoria
- QLD — Queensland Revenue Office
- WA — Department of Finance (RevenueWA)
- SA — RevenueSA
- TAS — State Revenue Office Tasmania
- ACT — ACT Revenue Office
- NT — Territory Revenue Office
- Home Guarantee Scheme — Housing Australia
Methodology: How it works. Corrections: Contact.