Stamp Duty Costs in Logan, QLD, What First Home Buyers Pay
Queensland's transfer duty rules give first home buyers in Logan, QLD one of the most significant upfront cost advantages in the country. A first home buyer purchasing a new build of any price pays $0 stamp duty. An established home under $700,000 is also fully exempt. Knowing which exemption applies to your situation before you make an offer changes the deposit you actually need at settlement.
The savings are substantial. A first home buyer purchasing a $750,000 new build in Logan pays nothing in transfer duty, while the same purchase without a first home buyer exemption attracts several thousand dollars in duty on the standard sliding scale. Understanding your position before you start looking is part of getting your budget right.
Our team helps first home buyers across Logan, QLD understand their stamp duty position and structure their loan to match their total settlement costs, and we don't charge for your first appointment.
Here's what you need to know about stamp duty costs in Logan, QLD before you make an offer.
Key takeaways
- First home buyers purchasing a new home in QLD pay $0 transfer duty, no price cap applies.
- Established homes up to $700,000 are also fully exempt for first home buyers.
- The $30,000 First Home Owner Grant continues for new homes under $750,000 with no published end date.
How much is stamp duty in Logan, QLD?
Stamp duty, known as transfer duty in Queensland, depends on your purchase price and whether you qualify for first home buyer exemptions. For most Logan, QLD purchases without a concession, the standard sliding scale runs from approximately 3.5% to 5.75% of the purchase price.
The Queensland Revenue Office calculator gives you the exact figure for your specific price. First home buyers have access to exemptions that reduce this to zero in many cases, which is why confirming your eligibility early is the most valuable thing you can do before you start searching.
This article is about residential transfer duty. It is separate from mortgage registration fees and title transfer fees, which are smaller fixed amounts.
Source: Queensland Revenue Office.
What stamp duty exemptions are available for first home buyers in Logan, QLD?
First home buyers in Logan, QLD have access to two major transfer duty exemptions. Both are confirmed in the Queensland Revenue Office rules and apply to eligible transactions entered into now.
Transfer duty exemptions currently available:
- › New homes, any price: Full transfer duty exemption from 1 May 2025. No price cap applies, so even a $900,000 new build in Logan attracts $0 stamp duty for a qualifying first home buyer.
- › Established homes up to $700,000: Full exemption on transfer duty. Properties between $700,001 and $800,000 receive a partial concession on a sliding scale. Above $800,000, no concession applies.
- › First Home Owner Grant:$30,000 for new homes under $750,000. The grant continues for eligible contracts with no published end date. This is separate to the stamp duty exemption and can be received alongside it.
From 1 August 2026, Queensland's first home buyer transfer duty concessions are limited to Australian citizens, permanent residents and specified foreign retirees for transactions entered into on or after that date. Always confirm your eligibility against the Queensland Revenue Office calculator before proceeding.
Source: Queensland Revenue Office.
Not sure what you can borrow for your first home?
How do I calculate stamp duty for my Logan purchase?
Step 1: Talk to us
We start by mapping your stamp duty position alongside your borrowing capacity and deposit requirements so you have a complete picture of your settlement costs before you make an offer.
Step 2: Confirm your exemption eligibility
We verify whether you qualify for first home buyer exemptions, including checking whether your purchase type, price and buyer history all satisfy the Queensland Revenue Office criteria.
Step 3: Factor stamp duty into your loan structure
We assess whether capitalising stamp duty into your loan suits your deposit and borrowing capacity, or whether paying it upfront is the cleaner option for your LVR.
Step 4: Coordinate through to settlement
We work with your conveyancer to ensure transfer duty calculations and any exemptions are lodged correctly, and confirm your final settlement figures so your loan settles without surprises.
What mistakes do Logan buyers make with stamp duty?
The most common mistake is not checking first home buyer status early enough. Previous property ownership, even interstate or as a minor, affects eligibility for Queensland's exemptions, and finding out at the contract stage can derail your budget entirely.
Where buyers lose ground:
- › Choosing established over new without running the numbers: A first home buyer purchasing a $740,000 new build pays $0 duty and receives the $30,000 FHOG. The same buyer on a $740,000 established home pays transfer duty on the sliding scale above $700,000 and receives no grant. That gap changes the deposit you need at settlement.
- › Buying with a co-purchaser who has previously owned: If any buyer on the contract has previously owned property, none of you qualify for first home buyer exemptions. All buyers must be first home buyers to access the concessions.
- › Overlooking the August 2026 citizenship restriction: From 1 August 2026, the concessions are limited to Australian citizens, permanent residents and specified foreign retirees. Temporary visa holders who previously qualified no longer do for transactions from that date.
"The most common pattern I see is a buyer who has done their sums on an established home and assumed the first home buyer exemption covers it, without checking whether their price sits above the $700,000 threshold. Once we run the actual transfer duty figure and compare it against a comparable new build with the FHOG on top, the picture changes significantly and so does which property they choose to pursue."
Nevada Matthews · Mortgage Broker and Co-Owner, Cube Loans · Chat to Nevada →
Can I add stamp duty to my home loan?
Yes, you can often capitalise stamp duty into your home loan rather than paying it at settlement. This preserves cash flow but adds to your loan balance, and the right choice depends on your LVR and available deposit.
Key considerations when capitalising stamp duty:
- › LVR impact: Adding stamp duty increases your loan-to-value ratio, which may push you into LMI territory if you are borderline on the 80% or 90% threshold.
- › Cash flow benefit: Keeps more cash available for moving costs, immediate repairs or furniture at settlement.
- › Interest cost: You pay interest on the stamp duty amount for the life of the loan, which increases the total cost of that upfront saving.
- › Borrowing capacity: Your total borrowing capacity must cover the purchase price plus stamp duty and any other costs you are rolling in.
Whether capitalising makes sense comes down to your deposit position and how it moves your LVR. For buyers already sitting at 80% or 90%, rolling in stamp duty can trigger LMI that costs more than the cash saving. For buyers with a buffer, it is often the right call. Knowing your number before you make an offer is what makes this decision a clean one rather than a stressful one at settlement.
Whether you are buying in Woodridge- Marsden or Loganholme, running the capitalisation decision early gives you a clear picture of what deposit you actually need at settlement across the Logan region.
"Where a buyer is sitting between 80% and 90% LVR, I would generally lean toward paying stamp duty upfront if the cash is available rather than rolling it in. The LMI premium that gets triggered by crossing the LVR threshold typically costs more over the loan term than the cash freed up at settlement. The calculation is quick and it changes the decision in most cases once we actually run it."
Nevada Matthews · Mortgage Broker and Co-Owner, Cube Loans · Chat to Nevada →
Want to know where you stand for your first home?
Frequently Asked Questions
Do investment property buyers in Logan, QLD pay stamp duty?
Yes, stamp duty applies to investment properties with no exemptions available. You pay the full transfer duty amount on the standard sliding scale, typically 3.5% to 5.75% of the purchase price depending on the property value.
Can single parents in Logan access first home buyer stamp duty exemptions?
Yes, single parents qualify for the same first home buyer exemptions as other eligible buyers. Parenting status does not create additional concessions, but the Family Home Guarantee allows a 2% deposit purchase separately from the duty rules.
What happens to stamp duty if I am buying with someone who is not a first home buyer?
If any buyer on the contract has previously owned property, none of the buyers qualify for first home buyer exemptions. All buyers on the contract must be first home buyers to access the concessions.
Does refinancing in Logan attract stamp duty?
No, refinancing does not attract stamp duty because no property purchase is occurring. You are changing your loan provider while the same property title stays in your name.
Do overseas buyers pay extra stamp duty in Logan, QLD?
Yes, overseas buyers pay the full transfer duty with no first home buyer exemptions. The established home ban for foreign persons runs from 1 April 2025 to 30 June 2029, so most overseas buyers can only purchase new builds with FIRB approval during this period.
Should Logan buyers use a mortgage broker or go directly to their bank for stamp duty guidance?
A mortgage broker, every time. Banks assess your loan without accounting for how stamp duty affects your total deposit and settlement position. A broker across 60+ lenders structures your loan around the complete cost picture, including any exemptions you qualify for.
How much stamp duty does a non-first-home buyer pay on an $800,000 house in Logan?
A non-first-home buyer purchasing an $800,000 established home pays approximately $31,050 in transfer duty on the standard sliding scale. A first home buyer on a new build at the same price pays $0, plus is eligible for the $30,000 FHOG if the property is under $750,000.
Your Next Steps
Getting your stamp duty calculation right affects your deposit requirements, borrowing capacity and settlement timeline. The difference between knowing your exemptions and missing them can be tens of thousands of dollars, which is exactly the kind of gap a broker review is designed to close.
The right approach to stamp duty depends on your situation, and that's a conversation worth having. Talk to the Cube Loans team or call 1800 774 756, and we'll compare your loan options across 60+ lenders and work through your total settlement costs. We don't charge for your first appointment.
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External Resources
Cube Loans · Loganholme and Logan, QLD · Cube Central Pty Ltd, Credit Representative 472851, authorised under Australian Credit Licence 517192 · General information only - this article does not constitute financial advice. Please consider your own circumstances and seek professional advice before making any financial decisions.
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