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