Stamp duty on vehicle transfers is a significant and often overlooked cost when buying a used car in Australia. It varies dramatically by state — and by the age, value and type of vehicle.
Key State Rates (2024–2025)
- NSW: $3 per $100 for vehicles under $45,000; $5 per $100 over $45,000. Calculated on market value or purchase price, whichever is higher.
- VIC: Tiered — ranges from $8.40 per $100 for dutiable value under $66,331 to higher rates for luxury vehicles.
- QLD: $3 per $100 under $100,000; $3.50 for $100,001–$150,000; higher for luxury.
- WA: Calculated on a tiered scale based on cylinder capacity and dutiable value.
- SA: Flat $4 per $100 of market value.
- ACT: Based on the vehicle's emissions rating — EVs pay no duty.
The Trade-In Duty Benefit
In most states, when you trade in a vehicle, stamp duty is calculated only on the difference between the new car price and the trade-in value. A $40,000 car with a $15,000 trade-in means duty on $25,000 — a real financial benefit that changes the trade-in vs private sale equation.
When Is Stamp Duty Payable?
Stamp duty is payable when you transfer ownership of the vehicle. In private sales, this is typically when you register the car in your name. Ensure you account for this in your total purchase budget.
EV Duty Concessions
Several states offer stamp duty exemptions or reductions for electric and hybrid vehicles. The ACT leads with a full exemption. NSW offers a duty reduction for EVs under a certain price point. Check your state revenue office for current rates.
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