Queensland · FY 2026-27
Stamp duty on $800,000 in QLD
An owner-occupier buying at $800,000 in Queensland pays $21,850 in transfer duty this financial year — 2.73% of the price. Every figure below comes from the official schedule.
Rates verified against the official sources — how we check.
The tally at $800,000
Duty only — the QLD calculator covers concessions and eligibility.
Right on a boundary
The first home concession reaches zero here: from $800,000 an established-home FHB pays normal home-concession duty. (A brand-new home would still be $0.)
Every buyer type at $800,000
| Buyer | Duty at $800,000 | Notes |
|---|---|---|
| Owner-occupier | $21,850 | — |
| Investor | $29,025 | — |
| First home buyer (established home) | $21,850 | Established homes: duty-free to $700,000, concession to $800,000. Brand-new homes: duty-free at any price. |
| Foreign buyer (incl. 8% surcharge) | $93,025 | On top of investor-rate duty. |
This is the band where Queensland’s first-home concession does its dramatic work: full relief to $700,000, then a step-down of $1,735 for every $10,000 of price until it vanishes at $800,000. The home concession’s 1%-on-the-first-$350,000 keeps helping every owner-occupier regardless — and a brand-new home stays duty-free at any price for first-timers.
The same $800,000 in every other state
QLD ranks #1 of 8 for owner-occupier duty at this price. The cheapest jurisdiction at $800,000 is QLD ($21,850) and the dearest is VIC ($43,070):
| Jurisdiction | Owner-occupier duty at $800,000 |
|---|---|
| QLD ← this page | $21,850 |
| ACT | $22,158 |
| NSW | $30,187 |
| TAS | $31,185 |
| WA | $32,316 |
| SA | $37,830 |
| NT | $39,600 |
| VIC | $43,070 |
Standard owner-occupier treatment in each jurisdiction (QLD home concession, VIC PPR, ACT eligible owner-occupier; general rates elsewhere) — first-home relief excluded here.
The full upfront stack at $800,000
Duty is only one line of the day-one bill. With less than a 20% deposit, lenders mortgage insurance joins it — priced from published LVR bands by our LMI calculator:
| Path | Deposit | LMI (incl. its duty) | Duty + LMI |
|---|---|---|---|
| 20% deposit | $160,000 | $0 | $21,850 |
| 15% deposit | $120,000 | $9,880 | $31,730 (85% LVR) |
| 10% deposit | $80,000 | $18,576 | $40,426 (90% LVR) |
Owner-occupier duty used; LMI varies by lender and insurer, so treat it as indicative. Titles Queensland's registration fees add $3,382.80 at this price ($3,134.76 transfer + $248.04 mortgage) — the state calculator itemises them live.
How duty moves around $800,000
Owner-occupier duty at each step of the QLD price ladder — click any price for its full breakdown:
| Price | Owner-occupier duty |
|---|---|
| $700,000 | $17,350 |
| $750,000 | $19,600 |
| $800,000 ← this page | $21,850 |
Stepping up from $750,000 added $2,250 of duty on the way to this price; stretching to $850,000 would add $2,250 more. Duty moves in per-$100 steps, so between the rungs it climbs almost linearly — the exact figure for any price in between is one visit to the calculator away.
Negotiating near $800,000? Run your exact figure — plus concessions, surcharges and government fees — through the QLD stamp duty calculator, or see how Queensland compares with every other jurisdiction on the by-state comparison. And if this is a purchase you're saving for, the duty above is on top of your deposit — LMI applies under a 20% deposit.
Frequently asked questions
How much is stamp duty on $800,000 in QLD?
What does a first home buyer pay on $800,000 in QLD?
Is this the exact QLD figure or an estimate?
Why does $800,000 sit on a boundary in QLD?
Keep tallying
Source
Figures computed from the schedule published by QRO for FY 2026-27, by the same tested engines as the calculator — last verified 2026-08-27. Eligibility rules decide which schedule applies; see the QLD calculator for full sources and conditions, and how to calculate stamp duty for the method itself. General information only — not financial, legal or tax advice.