Property buying costs

What does it cost to buy, on top of the deposit?

Purchase price $650,000

Deposit 10%

State

Buying as

Property type

Foreign purchaser (state surcharge applies)

Conveyancing / legal — example, enter your quote $1,500

Building and pest inspection — example $500

The two dollar amounts above are examples, not averages — replace them with your own quotes.

Upfront costs on top of your deposit

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Move a control to see your costs.

Transfer duty from the Tepuy stamp duty engine, using each state’s published 2026-27 rates and its own rounding rule; LMI from the Tepuy LMI engine with your state’s insurance duty. Registration fees, foreign purchaser surcharges and First Home Owner Grants were checked against each government source on 28 September 2026 (the South Australian transfer fee on 3 October 2026); where a source refuses automated requests, it was read in a browser. The South Australian transfer fee follows the Real Property (Fees) Notice 2026 formula, charged on the greater of the price and the capital value. Where the official source could not be read, that item is shown as NOT INCLUDED rather than estimated — check it with the office named. The grant is shown only for a first home buyer of a new home within the state cap; land-and-build contracts, owner-builders and residency rules are not modelled, and the grant is not shown for a foreign purchaser. WA grant cap shown is for south of the 26th parallel. Indicative only. Not financial or legal advice.