Stamp Duty on $700K Property — ACT
Stamp duty on a $700,000 property in Australian Capital Territory is $23,068.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $23,068.00
On a $700,000 property in Australian Capital Territory, stamp duty is $23,068.00 at an effective rate of 3.30% (2025-26 rates).
Cost Breakdown
| Property price | $700,000 |
| Stamp duty (standard buyer) | $23,068.00 |
| Effective stamp duty rate | 3.30% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $725,568.00 |
First Home Buyer Stamp Duty — ACT
At $700,000, first home buyer concessions in Australian Capital Territory do not reduce stamp duty. The property value exceeds the concession threshold. Standard duty of $23,068.00 applies.
Stamp Duty on $700K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $26,235.00 | 3.75% |
| Victoria | $37,070.00 | 5.30% |
| Queensland | $24,525.00 | 3.50% |
| Western Australia | $28,625.00 | 4.09% |
| South Australia | $32,330.00 | 4.62% |
| Tasmania | $26,748.00 | 3.82% |
| Australian Capital Territory | $23,068.00 | 3.30% |
| Northern Territory | $32.00 | 0.00% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $23,068.00 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) | $3,448.02 |
| Monthly repayment (with stamp duty in loan) | $3,590.05 |
| Extra per month | +$142.03 |
| Extra interest paid over 30 years | $28,064.11 |
Paying stamp duty upfront saves you $28,064.11 in interest over the life of your loan.
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Frequently Asked Questions
How much is stamp duty on a $700,000 house in Australian Capital Territory?
Stamp duty on a $700,000 property in Australian Capital Territory is $23,068.00 for a standard buyer (2025-26 rates). This is an effective rate of 3.30%.
Do first home buyers pay stamp duty in Australian Capital Territory?
At $700,000, first home buyer concessions in Australian Capital Territory do not reduce stamp duty below the standard amount of $23,068.00. The property value exceeds the concession threshold.
What are the total costs of buying a $700,000 property in Australian Capital Territory?
The total estimated cost is approximately $725,568.00, which includes the purchase price ($700,000), stamp duty ($23,068.00), 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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