Northern Territory · FY 2026-27
Stamp duty on $550,000 in NT
Any buyer at $550,000 in Northern Territory, owner-occupier or investor, pays $27,225 in transfer duty this financial year — 4.95% of the price. Every duty figure below comes from the official schedule; the LMI column further down is indicative.
FY 2026-27 rates · verified against the official sources.
The tally at $550,000
Duty only — the NT calculator covers concessions and eligibility.
Where this price sits
Past $525,000 the quadratic hands over to flat percentages of the whole price (4.95% to $3m).
Every buyer type at $550,000
| Buyer | Duty | Notes |
|---|---|---|
| Owner-occupier or investor | $27,225 | — |
| First home buyer | $27,225 | No general FHB concession — but a new house-and-land package you will live in is duty-free, on contracts to 30 June 2027. |
Approaching $525,000 the NT’s quadratic formula peaks in steepness — each extra $10,000 of price adds more duty than the last $10,000 did. Past that point flat percentages of the whole price take over. No first-home concession exists, but a new house-and-land package carries no duty for a buyer who will live in it — until the exemption’s end date, 30 June 2027.
The same $550,000 in every other state
NT ranks #8 of 8 for owner-occupier duty at this price. The cheapest jurisdiction at $550,000 is ACT ($10,568) and the dearest is NT ($27,225):
| Jurisdiction | Owner-occupier duty |
|---|---|
| ACT | $10,568 |
| QLD | $10,600 |
| NSW | $18,937 |
| WA | $20,140 |
| TAS | $20,373 |
| SA | $24,080 |
| VIC | $24,970 |
| NT ← this page | $27,225 |
Standard owner-occupier treatment in each jurisdiction (QLD home concession, VIC owner-occupier rates to $550,000, ACT eligible owner-occupier; general rates elsewhere) — first-home relief excluded here.
The full upfront stack at $550,000
Duty is only one line of the day-one bill. With less than a 20% deposit, lenders mortgage insurance joins it — priced from published LVR bands by our LMI calculator:
| Deposit | LMI (incl. its duty) | Duty + LMI |
|---|---|---|
| 20% deposit $110,000 | $0 | $27,225 |
| 15% deposit $82,500 | $4,983 | $32,208 (85% LVR) |
| 10% deposit $55,000 | $10,198 | $37,423 (90% LVR) |
Owner-occupier duty used; LMI varies by lender and insurer, so treat it as indicative. NT Land Titles Office's registration fees add $362 at this price ($181 transfer + $181 mortgage) — the state calculator itemises them live.
How duty moves around $550,000
Owner-occupier duty at each step of the NT price ladder — click any price for its full breakdown:
| Price | Owner-occupier duty |
|---|---|
| $500,000 | $23,929 |
| $550,000 ← this page | $27,225 |
Stepping up from $500,000 added $3,296 of duty on the way to this price; stretching to $600,000 would add $2,475 more. Between these rungs the duty does not climb in a straight line — the NT schedule changes gear in between — so the exact figure for any price in between is one visit to the calculator away.
Negotiating near $550,000? Run your exact figure — plus concessions, surcharges and government fees — through the NT stamp duty calculator, or see how Northern Territory compares with every other jurisdiction on the by-state comparison. And if this is a purchase you're saving for, the duty above is on top of your deposit — LMI applies under a 20% deposit.
Frequently asked questions
How much is stamp duty on $550,000 in NT?
What does a first home buyer pay on $550,000 in NT?
Is this the exact NT figure or an estimate?
Keep tallying
Source
Figures computed from the schedule published by NT Territory Revenue Office for FY 2026-27, by the same tested engines as the calculator — last verified 2026-08-27. Eligibility rules decide which schedule applies; see the NT calculator for full sources and conditions, and how to calculate stamp duty for the method itself. General information only — not financial, legal or tax advice.