Stamp Duty on $1,100,000 in Australian Capital Territory (2025-26)
Stamp duty on a $1,100,000 property in Australian Capital Territory is estimated at $37,115. Including transfer and mortgage registration fees, upfront government costs are about $37,682. This page breaks down each amount and shows concession scenarios.
Stamp duty in Australian Capital Territory
The ACT is progressively abolishing stamp duty, replacing it with higher annual land rates (essentially a property tax). Duty rates are being reduced each year as part of a multi-decade transition. The ACT also offers an owner-occupier concession and has the Home Buyer Concession Scheme providing full stamp duty exemption for homes up to $1 million (income-tested).
Cost Breakdown
| Purchase price | $1,100,000 |
| Stamp duty (ACT) | $37,115.00 |
| Owner-Occupier duty | $33,439.00 |
| Transfer registration fee | $400.00 |
| Mortgage registration fee | $167.00 |
| Total upfront government costs | $37,682.00 |
| Effective stamp duty rate | 3.37% |
First Home Buyer Concession
| Standard stamp duty | $37,115.00 |
| First home buyer duty | $33,439.00 |
| FHB saving | $3,676.00 |
Use our ACT First Home Buyer Calculator to check eligibility and get a detailed breakdown.
Compare Nearby Prices in ACT
| Price | Stamp Duty | Effective Rate |
|---|---|---|
| $1,000,000 | $32,575.00 | 3.26% |
| $1,100,000 | $37,115.00 | 3.37% |
| $1,200,000 | $41,655.00 | 3.47% |
Compare $1,100,000 Across States
Buying in this price range
Between $800,000 and $1.3 million, stamp duty becomes a major transaction cost — typically $30,000 to $60,000 depending on the state. First home buyer concessions are largely exhausted at this level (except NSW, which extends to $1 million). The NSW premium property surcharge starts at $1 million for certain foreign buyers. At this price, the choice of state has a significant financial impact: duty on a $1 million property ranges from about $18,000 in the ACT to $40,000 in NSW.
State comparison matters more
On a $1 million property, stamp duty ranges from approximately $18,000 (ACT, with ongoing higher rates) to $40,000 (NSW). If you are choosing between locations near a state border (e.g., Canberra vs Queanbeyan, Gold Coast vs Tweed Heads), the stamp duty difference can be significant.
Budget for total transaction costs
Stamp duty is the largest government cost, but add conveyancing ($1,500-$3,000), building and pest inspection ($500-$800), and loan establishment fees. On a $1 million purchase, total transaction costs including stamp duty can reach $50,000-$70,000.
Foreign buyer surcharges escalate
At $1 million, foreign buyer surcharges in NSW (8%), VIC (8%), and QLD (7%) add $70,000-$80,000 on top of standard duty. This makes the total duty for a foreign buyer over $100,000 in most eastern states.
Typical buyers: Established professionals upgrading, families in inner suburbs, investors purchasing houses, and interstate movers comparing markets.
Frequently Asked Questions
How much is stamp duty on a $1,100,000 property in ACT?
Stamp duty on a $1,100,000 property in Australian Capital Territory is $37,115. This represents an effective stamp duty rate of 3.37% of the purchase price. Including transfer and mortgage registration fees, total upfront government costs are $37,682.
What are the total upfront costs on a $1.1M property in ACT?
For a $1,100,000 property in Australian Capital Territory, total upfront government costs are approximately $37,682. This includes stamp duty of $37,115, a transfer registration fee of $400, and a mortgage registration fee of $167.
Can first home buyers get a stamp duty concession on $1.1M in ACT?
Yes. First home buyers purchasing a $1,100,000 property in Australian Capital Territory may pay $33,439 in stamp duty, saving $3,676 compared to the standard rate. Eligibility conditions apply — use our ACT First Home Buyer calculator for details.
What is the Owner-Occupier stamp duty on $1.1M in ACT?
The Owner-Occupier stamp duty on a $1,100,000 property in Australian Capital Territory is $33,439, saving $3,676 compared to the general/investor rate of $37,115.
How is stamp duty calculated in ACT?
Australian Capital Territory uses a progressive bracket system for stamp duty. The rate increases as the property value rises, similar to income tax brackets. Only the portion of the price within each bracket is taxed at that bracket's rate. Use our interactive ACT Stamp Duty Calculator for a detailed breakdown.
Need a detailed calculation?
Our interactive ACT Stamp Duty Calculator lets you enter any property value and see a full breakdown of duty, fees, and concessions.
First home buyer? Check your eligibility with the ACT First Home Buyer Calculator.