Stamp Duty on $550K Property — ACT
Stamp duty on a $550,000 property in Australian Capital Territory is $15,433.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $15,433.00
On a $550,000 property in Australian Capital Territory, stamp duty is $15,433.00 at an effective rate of 2.81% (2025-26 rates).
Cost Breakdown
| Property price | $550,000 |
| Stamp duty (standard buyer) | $15,433.00 |
| Effective stamp duty rate | 2.81% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $567,933.00 |
First Home Buyer Stamp Duty — ACT
You save $15,433.00
First home buyers pay $0.00 in stamp duty on a $550,000 property in Australian Capital Territory, compared to $15,433.00 for a standard buyer.
Total purchase cost with FHB concession: $552,500.00
Stamp Duty on $550K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $19,485.00 | 3.54% |
| Victoria | $28,070.00 | 5.10% |
| Queensland | $17,775.00 | 3.23% |
| Western Australia | $20,900.00 | 3.80% |
| South Australia | $24,080.00 | 4.38% |
| Tasmania | $20,373.00 | 3.70% |
| Australian Capital Territory | $15,433.00 | 2.81% |
| Northern Territory | $20.00 | 0.00% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $15,433.00 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) | $2,709.16 |
| Monthly repayment (with stamp duty in loan) | $2,804.18 |
| Extra per month | +$95.02 |
| Extra interest paid over 30 years | $18,775.51 |
Paying stamp duty upfront saves you $18,775.51 in interest over the life of your loan.
Calculate a Different Amount
Frequently Asked Questions
How much is stamp duty on a $550,000 house in Australian Capital Territory?
Stamp duty on a $550,000 property in Australian Capital Territory is $15,433.00 for a standard buyer (2025-26 rates). This is an effective rate of 2.81%.
Do first home buyers pay stamp duty in Australian Capital Territory?
First home buyers in Australian Capital Territory pay $0.00 in stamp duty on a $550,000 property — a saving of $15,433.00 compared to standard rates.
What are the total costs of buying a $550,000 property in Australian Capital Territory?
The total estimated cost is approximately $567,933.00, which includes the purchase price ($550,000), stamp duty ($15,433.00), 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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