NSW Stamp Duty Calculator

Calculate transfer duty on your New South Wales property purchase. Updated with 2026–27 rates.

YOUR DETAILS
Total Stamp Duty
Effective Rate
Total Purchase Cost
What this calculator covers: residential purchases on the FY 2026–27 scale — contracts dated 1 July 2026 or later — with the First Home Buyers Assistance Scheme for homes and vacant land, surcharge purchaser duty, and premium property duty above $3,870,000. It does not apportion premium duty on land over 2 hectares, split mixed residential and business property, or model non-residential land above the premium threshold. NSW charges the same duty on a new dwelling as an established one, so Existing and New Build return the same figure.

How Stamp Duty Works in NSW

Stamp duty — officially transfer duty in New South Wales — is charged on the dutiable value of a property transfer: the purchase price or the unencumbered market value, whichever is higher. Sell to a relative below market and Revenue NSW still assesses the market figure.

NSW runs one duty scale for everyone. There is no owner-occupier concession and no separate investor rate — the same schedule applies whether you move in or rent it out. What changes the answer is who is buying: first home buyers may qualify for the First Home Buyers Assistance Scheme, foreign persons pay a 9% surcharge on top, and residential land above $3,870,000 moves onto premium property duty.

Thresholds are indexed to CPI each 1 July, and the year that applies is fixed by your contract date — not settlement. A contract exchanged on 28 June 2026 is assessed on the FY 2025–26 scale even if it settles in October. The scale below is FY 2026–27.

Current NSW transfer duty rates (FY 2026–27)

Dutiable value Duty payable
$0 – $18,000$1.25 per $100 (minimum $20)
$18,001 – $38,000$225 + $1.50 per $100 over $18,000
$38,001 – $103,000$525 + $1.75 per $100 over $38,000
$103,001 – $387,000$1,662 + $3.50 per $100 over $103,000
$387,001 – $1,290,000$11,602 + $4.50 per $100 over $387,000
Over $1,290,000$52,237 + $5.50 per $100 over $1,290,000
Over $3,870,000 (residential)$194,137 + $7.00 per $100 over $3,870,000
Source: Revenue NSW · Thresholds are indexed to CPI each 1 July · The final row is premium property duty and applies to residential land only

What that costs at real Sydney prices

Price Duty (general) Effective rate First home buyer Foreign buyer (duty + 9%)
$650,000$23,4373.61%$0$81,937
$800,000$30,1873.77%$0$102,187
$850,000$32,4373.82%$9,796.75$108,937
$900,000$34,6873.85%$19,593.50$115,687
$950,000$36,9373.89%$29,390.25$122,437
$1,000,000$39,1873.92%$39,187 (no concession)$129,187
$1,200,000$48,1874.02%$48,187$156,187
$1,500,000$63,7874.25%$63,787$198,787
$2,000,000$91,2874.56%$91,287$271,287
$4,000,000$203,2375.08%$203,237$563,237
FY 2026–27 rates, established or new home, contract dated 1 July 2026 or later · The $4,000,000 row includes $9,100 of premium property duty · First home buyer figures assume full FHBAS eligibility

A worked example

An $800,000 home sits in the $387,001–$1,290,000 band, so duty is that band's base amount plus $4.50 per $100 of the excess:

$11,602 + ($800,000 − $387,000) ÷ 100 × $4.50 = $30,187

That is 3.77% of the price, and $830,187 all up. Duty is a cash cost at settlement, not something the lender advances, so it comes out of the same pool as the deposit — the settlement costs calculator covers the rest of that pool.

First home buyers: the FHBAS

The First Home Buyers Assistance Scheme exempts or discounts transfer duty on two separate scales:

  • A new or existing home — fully exempt at $800,000 or less; concessional above $800,000 and below $1,000,000.
  • Vacant land you intend to build on — fully exempt at $350,000 or less; concessional above $350,000 and below $450,000.

Eligibility attaches to the buyer, not the building. You must be an individual over 18 — not a company or trust — and at least one of the first home buyers must be an Australian citizen or permanent resident. Neither you nor your spouse may ever have owned residential property in Australia, or received FHBAS before.

The residence condition is two separate requirements, and is widely reported wrongly: move in within 12 months after settlement, and live there as your principal place of residence for at least 12 continuous months. It is not twelve months of occupancy squeezed into the first year.

Buying with ineligible people need not sink the claim — you can still apply provided the eligible buyers acquire at least half the property, though not where your spouse is one of the ineligible buyers. The first home buyer calculator covers the wider package.

Inside the concession band

Between $800,000 and $1,000,000 the exemption tapers into a partial concession. At $850,000 an eligible first home buyer pays $9,796.75 instead of $32,437; at $900,000, $19,593.50; at $950,000, $29,390.25.

The band is usually described as ending in a cliff at $1,000,000. It doesn't — the taper is mathematically continuous at both ends, worth roughly 20 cents at $800,001 and roughly 15 cents at $999,999. The step that actually matters is at the bottom: duty is nil at $800,000 and $9,796.75 at $850,000, so the first $50,000 above the exemption costs about $9,800 in duty on top.

First Home Owner (New Homes) Grant

Separately from duty, NSW pays a $10,000 First Home Owner Grant on new homes only. The cap is $600,000 for a newly built or substantially renovated home, and $750,000 for house-and-land, counting land and building contract together. It is not means tested.

This is the one place the new-versus-established distinction bites in NSW. The duty scale does not care — which is why the calculator's Existing and New Build options return identical figures — but the grant exists only for new homes.

Foreign buyers: surcharge purchaser duty

A foreign person acquiring residential property in NSW pays surcharge purchaser duty of 9% of the dutiable value, in addition to ordinary transfer duty. The rate rose from 8% to 9% on 1 January 2025.

On an $800,000 purchase: $30,187 of transfer duty plus $72,000 of surcharge = $102,187, or 12.77% of the price. The foreign buyer surcharge calculator has the state-by-state comparison.

Above $3.87 million: premium property duty

Residential land with a dutiable value above $3,870,000 is charged premium property duty. The mechanic catches people out: the 7% is not stacked on top of the 5.5% band — duty restarts at a fixed $194,137, then adds $7.00 per $100 above the threshold.

On a $4,000,000 residential purchase: $194,137 + ($130,000 ÷ 100 × $7.00) = $203,237 — an effective rate of 5.08%.

Premium duty is residential only — non-residential land above the threshold stays on the 5.5% rate. Where the land runs to more than 2 hectares, the premium rate applies proportionally to the first 2 hectares only.

When you actually pay

Duty is due at the earliest of settlement, or three months from the liability date — which for a standard purchase is the contract date. Most Sydney contracts settle at six weeks, so settlement is usually the deadline that bites; the three-month rule surfaces on long settlements and delayed completions.

Off-the-plan purchases can defer duty by up to a further 12 months, provided no purchaser is a foreign person and at least one purchaser moves in within 12 months of completion and lives there as their principal place of residence for 12 continuous months. It defers the payment date only — the amount does not change.

Sources

All sources checked 18 August 2026

Frequently Asked Questions

How much is stamp duty in NSW?
NSW transfer duty runs from $1.25 per $100 on the first $18,000 of value up to 5.5% on the portion above $1,290,000, plus premium property duty on residential land above $3,870,000. An $800,000 home is $30,187 — that is $11,602 plus $4.50 per $100 of the amount above $387,000. Use the calculator above for an exact figure.
Do first home buyers pay stamp duty in NSW?
Under the First Home Buyers Assistance Scheme, eligible first home buyers pay no duty on a new or existing home at $800,000 or less, and a concessional amount above $800,000 and below $1,000,000 — $9,796.75 at $850,000. Vacant land has its own scale: exempt to $350,000, concessional to just under $450,000. At least one buyer must be an Australian citizen or permanent resident, and you must move in within 12 months after settlement and live there for at least 12 continuous months.
When do you pay stamp duty in NSW?
Duty is due at the earliest of settlement, or three months from the liability date — which for a standard purchase is the contract date, not settlement. Because most Sydney contracts settle at around six weeks, settlement is usually the operative deadline. In practice your solicitor or conveyancer arranges payment on or before settlement day. Late payment attracts interest and penalties from Revenue NSW.
Can I defer stamp duty on an off-the-plan apartment in NSW?
Yes, by up to a further 12 months, provided no purchaser is a foreign person and at least one purchaser moves into the property within 12 months of completion and lives there as their principal place of residence for 12 continuous months. It defers the payment date only — the amount of duty does not change.
Do I pay stamp duty transferring property to my spouse in NSW?
No, provided the property is your principal place of residence — or vacant land you will build your principal place of residence on — and you both end up holding it equally, as joint tenants or tenants in common in equal shares. The exemption is section 104B of the Duties Act 1997 (NSW). Transfers outside those conditions, including investment properties, are dutiable at ordinary rates on market value.
What's the stamp duty on an inherited property in NSW?
$100. Concessional duty of $100 applies where the executor of a deceased estate transfers property to you as beneficiary in accordance with the will, or under the rules of intestacy where there is no will. A transfer that departs from the terms of the will may be assessed at ordinary rates instead.
Is there a pensioner stamp duty concession in NSW?
No. NSW has no pensioner or seniors transfer duty concession, unlike Victoria, Queensland, Tasmania and South Australia. The concessions NSW does offer cover first home buyers, deceased estates, transfers between spouses, relationship breakdowns, primary production land, complying self-managed super funds, charities and corporate reconstructions.
Can I add stamp duty to my mortgage?
Some lenders allow you to capitalise stamp duty into your home loan, effectively borrowing the stamp duty amount. However, this increases your total loan amount, your repayments, and your total interest paid over the life of the loan. It may also push you above the 80% LVR threshold, triggering Lenders Mortgage Insurance (LMI).
Is stamp duty different for investment properties in NSW?
The standard transfer duty rates apply to both owner-occupied and investment properties in NSW. However, first home buyer concessions and exemptions only apply to properties you intend to live in as your principal place of residence.
Disclaimer: This calculator provides estimates based on current NSW transfer duty rates published by Revenue NSW. Actual stamp duty may vary based on your specific circumstances. This is not financial or legal advice. Always consult a qualified solicitor or conveyancer for your property transaction.