Stamp Duty Calculator

Buying a property in Western Australia is an exciting milestone, but the asking price is only part of the equation. Stamp duty (officially known as transfer duty) is often the largest upfront cost after your deposit.

At Westgate Home Loans, we believe in finance made simple. Use our WA stamp duty calculator below to get an instant breakdown of government fees, so you can plan your budget with confidence.

What is Stamp Duty in Western Australia?

Stamp duty is a fee or tax levied by the WA State Government on property transactions. The amount you pay depends on the dutiable value of the property (usually the purchase price), and your intended use for the home.

Key Costs Included in Your Estimate:

• Transfer Duty: The primary tax based on property value.

• Mortgage Registration Fee: A flat fee to register your lender’s charge over the property.

• Transfer Registration Fee: A sliding scale fee to register the change of ownership.

2026 WA First Home Buyer Concessions

Western Australia offers some of the most generous support for first-time home owners, providing exemptions and concessions on stamp duty within specific limits. Following the significant updates in March 2025, the thresholds for 2026 are as follows:

Established Home (Metro/Peel) – Full Exemption up to $500,000, Concessional Rate up to $700,000

Established Home (Regional) – Full Exemption up to $500,000, Concessional Rate up to $750,000

Vacant Land – Full Exemption up to $350,000, Concessional Rate up to $450,000

Nb. If you are building a new home with our partners at Summit Homes Group, and your land costs more than the concessional rate, you will only pay stamp duty on the land component, potentially saving you thousands compared to buying an established house.

Why Choose Westgate Home Loans?

As a Perth-based mortgage broker, we understand the local WA market better than anyone. We don’t just find you a rate; we structure your finance to maximize your savings.

• Construction Specialists: As the in-house finance team for Summit Homes Group, we specialize in construction loans and progress payments.

• First Home Experts: We help you navigate the First Home Owner Grant (FHOG) and the First Home Guarantee scheme.

• Local Knowledge: From the South West to the Pilbara, we know the regional concessions that apply to you.

Frequently Asked Questions

Q. When is stamp duty due in WA?
A. In WA, duty is generally payable within one month of a duties assessment notice being issued, which usually occurs after settlement. Your settlement agent will typically handle this payment on your behalf.

Q. Do I pay more as an investor?
A. While WA does not have a separate higher rate for domestic investors (unlike some other states), you may not be eligible for the “Residential Rate” or certain concessions reserved for owner-occupiers.

Q. What is the foreign buyer surcharge?
A. If you are a foreign purchaser, a 7% surcharge applies on top of the standard transfer duty.