Stamp Duty on $1.1M Property — QLD
Stamp duty on a $1,100,000 property in Queensland is $43,775.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $43,775.00
On a $1,100,000 property in Queensland, stamp duty is $43,775.00 at an effective rate of 3.98% (2025-26 rates).
Cost Breakdown
| Property price | $1,100,000 |
| Stamp duty (standard buyer) | $43,775.00 |
| Effective stamp duty rate | 3.98% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $1,146,275.00 |
First Home Buyer Stamp Duty — QLD
At $1,100,000, first home buyer concessions in Queensland do not reduce stamp duty. The property value exceeds the concession threshold. Standard duty of $43,775.00 applies.
Foreign Buyer Stamp Duty
Foreign purchasers pay an additional 7% surcharge ($77,000.00) on top of standard stamp duty.
Total foreign buyer stamp duty: $120,775.00
Stamp Duty on $1.1M — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $44,235.00 | 4.02% |
| Victoria | $60,370.00 | 5.49% |
| Queensland | $43,775.00 | 3.98% |
| Western Australia | $49,229.00 | 4.48% |
| South Australia | $54,330.00 | 4.94% |
| Tasmania | $44,685.00 | 4.06% |
| Australian Capital Territory | $47,663.00 | 4.33% |
| Northern Territory | $80.00 | 0.01% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $43,775.00 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) | $5,418.31 |
| Monthly repayment (with stamp duty in loan) | $5,687.84 |
| Extra per month | +$269.53 |
| Extra interest paid over 30 years | $53,255.87 |
Paying stamp duty upfront saves you $53,255.87 in interest over the life of your loan.
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Frequently Asked Questions
How much is stamp duty on a $1,100,000 house in Queensland?
Stamp duty on a $1,100,000 property in Queensland is $43,775.00 for a standard buyer (2025-26 rates). This is an effective rate of 3.98%.
Do first home buyers pay stamp duty in Queensland?
At $1,100,000, first home buyer concessions in Queensland do not reduce stamp duty below the standard amount of $43,775.00. The property value exceeds the concession threshold.
What are the total costs of buying a $1,100,000 property in Queensland?
The total estimated cost is approximately $1,146,275.00, which includes the purchase price ($1,100,000), stamp duty ($43,775.00), 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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