NSW stamp duty calculator. Transfer duty, before you sign.
On an $800,000 established home, NSW transfer duty is $30,187, whether you’ll live in it or rent it out. First home buyers pay no duty on a home up to $800,000, and a reduced amount up to $1,000,000.
What’s the stamp duty on my purchase?
I’m buying in New South Wales for .
I a first home buyer, and I a foreign purchaser.
I live in it as my home.
It a newly built home.
First home, owner and foreign purchaser settings apply to residential property only.
- Transfer duty
- $30,187
- Owner-occupier rates
- Not applied
- First home buyer
- Not applied
- Foreign purchaser surcharge
- Not applied
| Price bracket | Per $100 | Duty | Applies to your price |
|---|
NSW transfer duty, 2026–27 rates (Revenue NSW). Excludes land registry fees and lender costs. Concessions have eligibility rules; we’ll confirm yours. General information only: an estimate, not advice, and the duty on your purchase is confirmed when we review your contract.
Found the one? We’ll review the contract before you commit.
Notes to the sheet. In plain English.
How it’s worked out
NSW transfer duty is charged in brackets. Each slice of the price has its own rate, so the rate climbs as the price passes each threshold, and the ledger on the sheet shows what every bracket adds. NSW charges the same rates whether you’ll live in the property or rent it out. The thresholds move with inflation each 1 July; these are the 2026–27 rates.
First home buyers
Under the First Home Buyers Assistance Scheme, you pay no transfer duty on a new or established home up to $800,000, and a reduced amount from there up to $1,000,000. For vacant land you’ll build your first home on, it’s no duty up to $350,000 and a reduced amount up to $450,000.
On an $850,000 home, for example, a first home buyer pays $9,796.75 instead of $32,437. You need to live in the home, and there are other conditions.
Foreign purchasers
If you’re a foreign person buying residential property, NSW adds surcharge purchaser duty of 9% of the price on top of transfer duty.
When it’s paid
Transfer duty is due within 3 months of signing the contract, or at settlement if that comes first. If you’re buying off the plan, you may be able to defer it by up to a further 12 months. We arrange the payment as part of your settlement.
Where the figures come from
Rates and rules from Revenue NSW (opens in a new tab), checked 6 November 2026.
The estimate leaves out land registry fees and your lender’s costs. Concessions have conditions, and we confirm yours when we review your contract.