NSW Stamp Duty Calculator

Calculate transfer duty on your New South Wales property purchase. Updated with 2025–26 rates.

Total Stamp Duty
$0
Effective Rate
0%
Total Purchase Cost
$0
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How Stamp Duty Works in NSW

Stamp duty — officially called transfer duty in New South Wales — is a state government tax you pay when purchasing property. It's calculated on the property's sale price or market value (whichever is higher) and is one of the largest upfront costs when buying a home in NSW.

Transfer duty in NSW uses a sliding scale. The more expensive the property, the higher the percentage you pay. For most residential property purchases between $351,000 and $1,168,000 (the typical Sydney price range), the marginal rate is $4.50 per $100 above $351,000, on top of a base amount of $10,530.

Current NSW Stamp Duty Rates (2025–26)

The following rates apply to residential property transfers in NSW:

  • $0 – $16,000: $1.25 per $100
  • $16,001 – $35,000: $200 + $1.50 per $100 over $16,000
  • $35,001 – $93,000: $485 + $1.75 per $100 over $35,000
  • $93,001 – $351,000: $1,500 + $3.50 per $100 over $93,000
  • $351,001 – $1,168,000: $10,530 + $4.50 per $100 over $351,000
  • $1,168,001 – $3,505,000: $47,295 + $5.50 per $100 over $1,168,000
  • Over $3,505,000: $175,830 + $7.00 per $100 over $3,505,000

First Home Buyer Concessions

Under the NSW First Home Buyers Assistance Scheme (FHBAS), eligible first home buyers receive significant stamp duty relief:

  • Full exemption on properties valued up to $800,000
  • Concessional rates on properties between $800,000 and $1,000,000
  • Must be an Australian citizen or permanent resident
  • Must live in the property for at least 12 continuous months within the first year

Foreign Buyer Surcharge

An additional surcharge of 8% applies to foreign persons purchasing residential property in NSW. This is on top of the standard transfer duty rates.

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Frequently Asked Questions

How much is stamp duty in NSW?
NSW stamp duty (transfer duty) ranges from 1.25% on properties up to $16,000 to 7% on properties over $3,505,000. For a typical $800,000 property, you'd pay approximately $31,335 in stamp duty. Use the calculator above for an exact figure based on your purchase price.
Do first home buyers pay stamp duty in NSW?
First home buyers in NSW may be fully exempt from stamp duty on properties valued up to $800,000, or receive a concession on properties between $800,000 and $1,000,000, under the First Home Buyers Assistance Scheme. You must be an Australian citizen or permanent resident and intend to live in the property for at least 12 months.
When do you pay stamp duty in NSW?
Stamp duty in NSW must be paid within 3 months of signing the contract for sale. In practice, your solicitor or conveyancer arranges payment on or before settlement day. Late payments attract interest and penalties from Revenue NSW.
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.
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