Finance

Australia First Home Cost Calculator

Free Australia first-home cost calculator — pick your state, enter your deposit and the standard duty figure from your state revenue office, and see total upfront cash including LMI and other costs. First-home nil-duty thresholds applied (NSW $800,000, VIC $600,000, QLD $700,000, WA $600,000). Estimate only.

Short answer: Australia First Home Cost Calculator — Total cash needed upfront: deposit + duty + LMI + other costs, state by state. Free Australia first-home cost calculator — pick your state, enter your deposit and the standard duty figure from your state revenue office, and see total upfront cash including LMI and other costs. First-home nil-duty thresholds applied (NSW $800,000, VIC $600,000, QLD $700,000, WA $600,000). Estimate only. It answers “australia first home buyer cost calculator by state”. Who it is for: First-home buyers in Australia saving for a deposit; Buyers comparing states — a NSW purchase versus VIC, QLD or WA; Couples checking whether they fall inside a nil-duty threshold. It runs entirely in your browser — no sign-up, no account, no email and no upload — and every result can be exported as a dated PDF report.

✔ Price: free, unlimited use, no rate limits
✔ Sign-up: not required
✔ Privacy: all math runs client-side, nothing is uploaded
✔ Export: one-click PDF report (2026 rates)

Purchase price (AUD $)Deposit (AUD $)State / territoryFirst-home buyer?Standard duty before concession (AUD $)Other upfront costs (AUD $)LMI (% of loan — lender quote; 0 if deposit is 20%+)

Eligible first homes: nil duty to $800,000, concession to $1,000,000. This tool deliberately does not invent a state duty scale: enter the standard duty figure from your state revenue office calculator. In the concession band, enter the after-concession figure from that same source — tapered concession amounts vary by state and are not estimated here.

First-home status

Nil duty

New South Wales

Stamp duty payable

A$0.00

Loan + LMI

A$630,000.00

LMI A$0.00

Total cash needed upfront

A$73,000.00

Deposit + duty + LMI + other costs

Estimate only — not tax, legal or immigration advice. Rates change; confirm the current figure with the official authority (CRA, Revenu Quebec, ATO, your state revenue office, IRCC or IRD) before you rely on it.

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Who is this tool for?

✔ First-home buyers in Australia saving for a deposit
✔ Buyers comparing states — a NSW purchase versus VIC, QLD or WA
✔ Couples checking whether they fall inside a nil-duty threshold
✔ Buyers deciding whether a 20% deposit avoids LMI
✔ Anyone who has been quoted a price but not the full upfront cash

How to use Australia First Home Cost Calculator

Enter the purchase price and your deposit.
Pick your state or territory and say whether you are a first-home buyer.
Enter the standard duty figure from your state revenue office calculator.
If you are in a concession band, enter the after-concession duty figure from the same source, add LMI and other costs, and read the total cash needed.

Frequently asked questions

Who is this first-home cost calculator for?

First-home buyers who need the full upfront number — deposit plus duty plus LMI plus other costs — rather than just a stamp duty figure. It is built around the state thresholds that decide whether duty is nil, concessional or full.

Who should not rely on this calculator alone?

Buyers whose eligibility is uncertain (citizenship, prior ownership, residence requirements, property type or vacant-land rules), and buyers in SA, TAS, ACT or NT where the relief rules are property-type specific. Your conveyancer and state revenue office confirm eligibility.

What are the first-home nil-duty thresholds?

NSW: nil duty to $800,000 (concession to $1,000,000). VIC: nil to $600,000 (concession to $750,000). QLD: nil to $700,000 for established homes (concession to $800,000; new homes have no price cap). WA: nil to $600,000 (concession to $800,000, from 7 May 2026).

Why does this tool ask me to enter the duty figure instead of calculating it?

Because each state's full duty scale and tapered concession formula differ, and inventing a scale would produce a wrong figure. The tool applies the verified nil-duty thresholds and lets your state revenue office — the authoritative source — supply the duty amount.

What is LMI and when do I pay it?

Lenders Mortgage Insurance protects the lender when your deposit is below 20% of the property value. It is usually a one-off cost added to the loan or paid upfront. Enter your lender's quoted LMI percentage — this tool does not guess it.

What about SA, TAS, ACT and NT?

SA relief applies to new homes and vacant land only — established homes pay standard duty. Tasmania's established-home exemption ended 30 June 2026. The ACT offers a full concession to eligible buyers from 1 July 2026 with no price cap. The NT has no general duty concession; grants are separate.

Are grants included in this calculator?

No — First Home Owner Grants vary by state, property type and date, and are paid separately from duty relief. Add any grant you are eligible for to your deposit side of the budget, and confirm it with your state revenue office.

Australia first home buyer cost calculator by state?

Use the Australia First Home Cost Calculator above: Total cash needed upfront: deposit + duty + LMI + other costs, state by state. Free Australia first-home cost calculator — pick your state, enter your deposit and the standard duty figure from your state revenue office, and see total upfront cash including LMI and other costs. First-home nil-duty thresholds applied (NSW $800,000, VIC $600,000, QLD $700,000, WA $600,000). Estimate only. Estimate only — not tax, legal or immigration advice. Rates change; confirm the current figure with the official authority (CRA, Revenu Quebec, ATO, your state revenue office, IRCC or IRD) before you rely on it.