Stamp Duty on $1M Property — ACT
Stamp duty on a $1,000,000 property in Australian Capital Territory is $40,663.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $40,663.00
On a $1,000,000 property in Australian Capital Territory, stamp duty is $40,663.00 at an effective rate of 4.07% (2025-26 rates).
Cost Breakdown
| Property price | $1,000,000 |
| Stamp duty (standard buyer) | $40,663.00 |
| Effective stamp duty rate | 4.07% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $1,043,163.00 |
First Home Buyer Stamp Duty — ACT
At $1,000,000, first home buyer concessions in Australian Capital Territory do not reduce stamp duty. The property value exceeds the concession threshold. Standard duty of $40,663.00 applies.
Stamp Duty on $1M — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $39,735.00 | 3.97% |
| Victoria | $54,870.00 | 5.49% |
| Queensland | $38,025.00 | 3.80% |
| Western Australia | $44,079.00 | 4.41% |
| South Australia | $48,830.00 | 4.88% |
| Tasmania | $40,185.00 | 4.02% |
| Australian Capital Territory | $40,663.00 | 4.07% |
| Northern Territory | $66.00 | 0.01% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $40,663.00 stamp duty to your home loan instead of paying upfront, here is how it affects your repayments (based on 80% LVR, 6.25% rate, 30-year term):
| Monthly repayment (without stamp duty in loan) | $4,925.74 |
| Monthly repayment (with stamp duty in loan) | $5,176.11 |
| Extra per month | +$250.37 |
| Extra interest paid over 30 years | $49,469.87 |
Paying stamp duty upfront saves you $49,469.87 in interest over the life of your loan.
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Frequently Asked Questions
How much is stamp duty on a $1,000,000 house in Australian Capital Territory?
Stamp duty on a $1,000,000 property in Australian Capital Territory is $40,663.00 for a standard buyer (2025-26 rates). This is an effective rate of 4.07%.
Do first home buyers pay stamp duty in Australian Capital Territory?
At $1,000,000, first home buyer concessions in Australian Capital Territory do not reduce stamp duty below the standard amount of $40,663.00. The property value exceeds the concession threshold.
What are the total costs of buying a $1,000,000 property in Australian Capital Territory?
The total estimated cost is approximately $1,043,163.00, which includes the purchase price ($1,000,000), stamp duty ($40,663.00), legal/conveyancing fees (~$2,000), and building/pest inspections (~$500).
General information and estimates only — not financial, tax, or legal advice. Always verify with a licensed adviser or the ATO.
Learn more
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