Stamp Duty on $800K Property — ACT
Stamp duty on a $800,000 property in Australian Capital Territory is $28,623.00. See total costs, first home buyer savings, and compare to other states.
Last verified: 1 July 2025Stamp Duty: $28,623.00
On a $800,000 property in Australian Capital Territory, stamp duty is $28,623.00 at an effective rate of 3.58% (2025-26 rates).
Cost Breakdown
| Property price | $800,000 |
| Stamp duty (standard buyer) | $28,623.00 |
| Effective stamp duty rate | 3.58% |
| Legal / conveyancing fees (est.) | $2,000.00 |
| Building & pest inspection (est.) | $500.00 |
| Total purchase cost | $831,123.00 |
First Home Buyer Stamp Duty — ACT
At $800,000, first home buyer concessions in Australian Capital Territory do not reduce stamp duty. The property value exceeds the concession threshold. Standard duty of $28,623.00 applies.
Stamp Duty on $800K — All States
| State | Stamp Duty | Effective Rate |
|---|---|---|
| New South Wales | $30,735.00 | 3.84% |
| Victoria | $43,070.00 | 5.38% |
| Queensland | $29,025.00 | 3.63% |
| Western Australia | $33,779.00 | 4.22% |
| South Australia | $37,830.00 | 4.73% |
| Tasmania | $31,185.00 | 3.90% |
| Australian Capital Territory | $28,623.00 | 3.58% |
| Northern Territory | $42.00 | 0.01% |
Mortgage Impact — Adding Stamp Duty to Your Loan
If you add $28,623.00 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) | $3,940.59 |
| Monthly repayment (with stamp duty in loan) | $4,116.83 |
| Extra per month | +$176.24 |
| Extra interest paid over 30 years | $34,822.22 |
Paying stamp duty upfront saves you $34,822.22 in interest over the life of your loan.
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Frequently Asked Questions
How much is stamp duty on a $800,000 house in Australian Capital Territory?
Stamp duty on a $800,000 property in Australian Capital Territory is $28,623.00 for a standard buyer (2025-26 rates). This is an effective rate of 3.58%.
Do first home buyers pay stamp duty in Australian Capital Territory?
At $800,000, first home buyer concessions in Australian Capital Territory do not reduce stamp duty below the standard amount of $28,623.00. The property value exceeds the concession threshold.
What are the total costs of buying a $800,000 property in Australian Capital Territory?
The total estimated cost is approximately $831,123.00, which includes the purchase price ($800,000), stamp duty ($28,623.00), 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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