- First home buyer, $700,000 established home
- $34,650
- Buying a $700,000 home to live in
- $34,650
- Investor buying at $700,000
- $34,650
Stamp duty calculator
Estimated stamp duty in Northern Territory
$42,075
- General rates
- $42,075
The Northern Territory's home owner incentives are mainly grants; Joshua checks whether any duty discount applies to you.
Estimate from the Northern Territory schedule checked 21 October 2026. Concessions have conditions (living in the home, previous ownership, citizenship); your conveyancer confirms the final amount. How NT stamp duty works
Stamp duty comes out of the same savings as your deposit. See what you could borrow with it included.
How stamp duty works in Northern Territory
The Northern Territory works out duty with a formula up to $525,000, then a flat percentage of the whole value above that. The same rates apply to homes and investments.
There is no foreign purchaser surcharge in the Territory.
| Dutiable value | Duty |
|---|---|
| Up to $525,000 | D = (0.06571441 × V²) + 15V, where V is the value divided by 1,000 |
| $525,001 to $2,999,999 | 4.95% of the dutiable value |
| $3,000,000 to $4,999,999 | 5.75% of the dutiable value |
| $5,000,000 and over | 5.95% of the dutiable value |
What it costs at different prices
| Price | First home buyer (established home) | First home buyer (new home) | Buying a home to live in | Investor |
|---|---|---|---|---|
| $400,000 | $16,514 | $16,514 | $16,514 | $16,514 |
| $500,000 | $23,929 | $23,929 | $23,929 | $23,929 |
| $600,000 | $29,700 | $29,700 | $29,700 | $29,700 |
| $700,000 | $34,650 | $34,650 | $34,650 | $34,650 |
| $850,000 | $42,075 | $42,075 | $42,075 | $42,075 |
| $1,000,000 | $49,500 | $49,500 | $49,500 | $49,500 |
First home buyers
The Territory's help for first home buyers comes mainly through grants rather than duty relief: the HomeGrown Territory Grant of $50,000 for buying or building a new home, for contracts signed by 30 September 2027.
The HomeGrown Territory Grant pays $50,000 to first home buyers building or buying a new home (including off the plan and owner builders) for contracts between 1 October 2024 and 30 September 2027. Existing owners buying or building a new home may get the $30,000 FreshStart New Home Grant.
The Australian Government 5% Deposit Scheme lets first home buyers purchase with a 5% deposit and no lenders mortgage insurance, up to $750,000 in Darwin and regional centres, or $600,000 elsewhere in the state. See first home buyers in Northern Territory for every scheme in one place.
New homes, off the plan, house and land and vacant land
The house and land package exemption removes stamp duty entirely when you buy a new home and its land from a building contractor in one contract and live in it as your home, for contracts signed between 1 July 2022 and 30 June 2027. It is not limited to first home buyers.
Foreign buyers
The Northern Territory does not charge a foreign purchaser surcharge.
When stamp duty is paid
Your conveyancer usually lodges and pays stamp duty from your funds, at or before settlement. The Territory Revenue Office sets the legal deadline.
Stamp duty usually comes out of the same savings as your deposit, which is why it changes what you can buy: every dollar of duty is a dollar that isn't reducing your loan. Lenders don't lend for duty itself, so it has to be covered by cash or equity.
Common questions
How much is stamp duty on a $700,000 home in Northern Territory?
For someone buying a home to live in, about $34,650. An investor pays about $34,650, and an eligible first home buyer buying an established home pays about $34,650. These are calculated from the current Territory Revenue Office schedule.
Do first home buyers pay stamp duty in Northern Territory?
The Territory's help for first home buyers comes mainly through grants rather than duty relief: the HomeGrown Territory Grant of $50,000 for buying or building a new home, for contracts signed by 30 September 2027.
Is stamp duty charged on a house and land package in Northern Territory?
The house and land package exemption removes stamp duty entirely when you buy a new home and its land from a building contractor in one contract and live in it as your home, for contracts signed between 1 July 2022 and 30 June 2027. It is not limited to first home buyers.
Can I add stamp duty to my home loan?
Lenders lend against the property, not the duty, so duty normally has to come from your own savings or from equity in a property you already own. Some buyers use equity in an existing home, or a family guarantee, to cover it. Joshua can show you how that would work for your situation.
Sources
- Stamp Duty Act 1978 (NT), Schedule 1 and section 90D, checked 21 October 2026
- Territory Revenue Office: stamp duty, checked 21 October 2026
- firsthomebuyers.gov.au: 5% Deposit Scheme property price caps, checked 21 October 2026
- Territory Revenue Office: HomeGrown Territory grants, checked 21 October 2026
General information only, not credit advice. It doesn’t take your objectives, financial situation or needs into account. Rules and figures change; check them, or talk to Joshua, before you rely on them.