Discover ACT stamp duty rates and concessions for 2025-2026, including the Home Buyer Concession Scheme full duty exemption and key eligibility rules.
The Australian Capital Territory (ACT) has introduced significant changes to its stamp duty regime, effective from 1 July 2026. The Home Buyer Concession Scheme (HBCS) now offers a full conveyance-duty exemption for eligible buyers, without income or property-value caps. In this article, we will delve into the details of the HBCS, ACT conveyance duty rates, and other essential information for first home buyers and property investors.
What is the Home Buyer Concession Scheme (HBCS)? The HBCS is a concession scheme that provides a full conveyance-duty exemption for eligible buyers, including first-home buyers and recent former owners who have not held a legal or equitable interest in another property during the five years before the transaction date.
What are the eligibility criteria for the HBCS? To be eligible for the HBCS, buyers must not have held a legal or equitable interest in another property during the five years before the transaction date, and at least one buyer must occupy the property as their principal residence continuously for at least one year.
What are the ACT conveyance duty rates? The ACT conveyance duty rates are progressive, with higher rates applying to more expensive properties. For owner-occupiers, the rates range from 4.75% to 5.75% of the purchase price or market value, whichever is higher.
How does the Crown leasehold system work in the ACT? In the ACT, properties are sold as Crown leases, typically with a 99-year term. Buyers should investigate the lease purpose, remaining term, covenants, approvals, and possible lease-variation charges before purchasing.
What is the First Home Super Saver Scheme? The First Home Super Saver Scheme is a federal scheme that allows first-home buyers to save for a deposit by making voluntary superannuation contributions, which can be withdrawn for a home deposit.
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The ACT property market has experienced significant growth in recent years, with the median house value reaching ~$1,025,827 (mid-2026) and the median unit value reaching ~$594,894 (mid-2026). The auction clearance rate has been around 43-51% (August 2026), with a median of 48 days on market (June 2026). The current RBA cash rate is 4.35% (held 11 August 2026), and competitive home loan rates are available from 5.99% p.a.
| Duty Rate | Purchase Price or Market Value |
|---|---|
| 4.75% | Up to $200,000 |
| 5.00% | $200,001 to $300,000 |
| 5.25% | $300,001 to $500,000 |
| 5.50% | $500,001 to $750,000 |
| 5.75% | Above $750,000 |
In conclusion, the ACT stamp duty regime has undergone significant changes, offering a full conveyance-duty exemption for eligible buyers. By understanding the HBCS, ACT conveyance duty rates, and other essential information, home buyers and investors can make informed decisions in the ACT property market. You may also find our ACT First Home Grants Guide 2026 helpful. For personalised guidance, book a call with our expert mortgage brokers or check your home lending eligibility today.
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