About this calculator
Western Australia's transfer duty runs on a five-band table from RevenueWA: 1.9% at the bottom, rising to 5.15% above $725,000. On an $800,000 Perth home the duty is $32,316. This calculator applies the general table — and switches to the First Home Owner Rate of Duty when you say you are a first buyer.
The first-home scale was reset in May 2026 as a single statewide schedule (the old Perth/regional split is gone): no duty at all on homes up to $600,000, then a single concessional rate of $16.15 per $100 on the portion between $600,000 and $800,000. At $700,000 that is $16,150 — roughly half the general duty. Above $800,000, general rates apply in full.
How to use it
- Enter the property price and your deposit — the difference, plus any LMI, is the loan amount.
- Add the interest rate and loan term (30 years is the Australian standard).
- If you will keep savings in an offset account, enter the average balance — you will see the interest it saves and how much sooner the loan ends.
- Tick "first home buyer" if it applies: the stamp duty below then uses your state's first-home concessions.
- Read the monthly repayment, the stamp duty and the real payoff time with your offset.
The formula
M is the monthly repayment, P the loan amount, r the monthly rate and n the number of payments. An offset account does not change the repayment; it reduces the balance on which interest is charged, so more of each repayment becomes principal and the loan ends sooner. Stamp duty is charged by the state on the purchase price using that state's banded table.
Worked example
An $800,000 Perth home with a $160,000 deposit leaves a $640,000 loan — $3,837 a month at 6.00% over 30 years. Transfer duty is $32,316 at general rates. A first home buyer at $700,000 instead pays $16,150 under the First Home Owner Rate, and nothing at all at $600,000. Keeping $50,000 in offset cuts about $204,666 of interest and finishes the loan in 25 years 7 months.
Frequently asked questions
How much is stamp duty on an $800,000 home in WA?
At general rates: $28,453 plus 5.15% of the $75,000 above $725,000 — $32,316 in total once the official table values are applied. First home buyers do not get a concession at $800,000 (the scale tops out there); at $700,000 they pay $16,150, and at $600,000 they pay nothing.
What is the First Home Owner Rate of Duty?
It is WA's concessional duty scale for first home buyers, reset on 7 May 2026: homes up to $600,000 are duty-free statewide; between $600,000 and $800,000 you pay $16.15 per $100 (16.15%) of just the portion above $600,000; above $800,000 general rates apply. Vacant land has its own lower thresholds ($450,000 duty-free, concession to $550,000). Eligibility mirrors the First Home Owner Grant conditions.
Does WA charge extra duty for foreign buyers?
Yes — foreign buyers pay a 7% surcharge on residential purchases in WA, on top of the duty in this calculator. If that is you, budget roughly another $56,000 on an $800,000 home and get advice before signing.
Is there a first home buyer grant in WA as well?
Yes, the $10,000 First Home Owner Grant for new homes (subject to caps), paid separately from duty. Duty relief is the larger saving for most buyers — up to $22,515 at the $600,000 threshold — and this calculator models the duty side.
What formula does this home loan calculator — western australia calculator use?
M = P × r(1 + r)^n ÷ ((1 + r)^n − 1), interest charged on (balance − offset) M is the monthly repayment, P the loan amount, r the monthly rate and n the number of payments. An offset account does not change the repayment; it reduces the balance on which interest is charged, so more of each repayment becomes principal and the loan ends sooner. Stamp duty is charged by the state on the purchase price using that state's banded table. The worked example on this page applies the formula step by step with real numbers, so you can verify the result by hand.