Stamp Duty Calculator NSW
Calculate your NSW stamp duty costs instantly, including first home buyer exemptions, investment property rates, and concessions.
How much is stamp duty in NSW?
Stamp duty in NSW — formally called transfer duty — is calculated on a sliding scale based on your property's purchase price. The rate depends on whether you're buying as an owner-occupier, an investor, or a first home buyer. Use the borrowing power calculator to understand your full budget before factoring in stamp duty.
| Property value | Transfer duty payable |
|---|---|
| $0 to $18,000 | $0 + $1.25 per $100 |
| $18,001 to $38,000 | $225 + $1.50 per $100 over $18,000 |
| $38,001 to $103,000 | $525 + $1.75 per $100 over $38,000 |
| $103,001 to $387,000 | $1,662 + $3.50 per $100 over $103,000 |
| $387,001 to $1,290,000 | $11,602 + $4.50 per $100 over $387,000 |
| $1,290,001 to $3,870,000 | $52,237 + $5.50 per $100 over $1,290,000 |
| Over $3,870,000 (premium duty) | $194,137 + $7.00 per $100 over $3,870,000 |
Rates are for the 2026/2027 financial year, as published by Revenue NSW. These figures were accessed on 12 October 2026. Thresholds are CPI-indexed annually. For previous years, see past thresholds and rates on Revenue NSW.
Do first home buyers pay stamp duty in NSW?
Not always. The NSW Government's First Home Buyer Assistance Scheme reduces or eliminates stamp duty costs depending on your purchase price. Check your eligibility and explore first home buyer grants and schemes before you calculate your total upfront costs.
Properties up to $800,000
No stamp duty payable. The property must be your primary place of residence and you must not have previously owned property in Australia.
$800,001 to $1,000,000
A reduced stamp duty rate applies. The concession tapers as the purchase price approaches $1,000,000, above which the full rate applies.
Properties above $1,000,000
Standard transfer duty rates apply in full. No first home buyer concession is available at this price point regardless of buyer type.
Annual Land Tax Instead
Eligible first home buyers can opt to pay an annual property tax instead of paying stamp duty upfront. Whether that suits you depends on your situation and how long you plan to hold the property.
Not sure which option applies to you? Speak to a Sydney mortgage broker who can walk through your eligibility and factor stamp duty into your total purchase plan.
Explore more calculators.
The NSW stamp duty calculator is one part of your total purchase picture. These tools help you work out the rest.
Loan Repayment
Use the home loan repayment calculator to model your monthly repayments before committing.
Try itProperty Buying Cost
The property buying cost calculator puts stamp duty in context with your full upfront costs.
Try itFrequently asked questions about NSW stamp duty.
Stamp duty in NSW (formally called transfer duty) is calculated on a sliding scale based on the property’s purchase price. For owner-occupied properties, rates start at $1.25 per $100 for values up to $16,000 and rise to $47,295 plus 5.5% on the amount over $1,168,000. Use the stamp duty calculator NSW above for an exact figure.
First home buyers in NSW may be eligible for a full stamp duty exemption on properties valued up to $800,000, and a concessional rate on properties between $800,000 and $1,000,000. Eligibility requires the property to be your primary place of residence and that you have not previously owned property in Australia.
Yes. Investment properties are subject to the standard transfer duty rates and are not eligible for the first home buyer exemption or concession. The rate is calculated on the purchase price using the same sliding scale as owner-occupied properties, but no discounts or concessions apply. Use the calculator above and select Investment Property to see your figure.
There is no legal way to avoid stamp duty entirely unless you qualify for an exemption — most commonly the First Home Buyer Assistance Scheme for properties under $800,000. NSW also offers a land tax option (an annual payment instead of upfront stamp duty) for eligible first home buyers. A Sydney mortgage broker can help you understand what applies to your situation.
Stamp duty in NSW is typically paid at settlement, which is usually 30 to 42 days after exchanging contracts. Your solicitor or conveyancer will arrange payment on your behalf. It must be paid before the property transfer can be registered with the NSW Land Registry. Factor this into your total upfront purchase budget.
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