NSW Stamp Duty Calculator
Work out your NSW transfer (stamp) duty in seconds — including First Home Buyer exemptions and concessions. Based on current Revenue NSW rates.
Estimated stamp duty
$0
First home buyer — no stamp duty 🎉
This calculator gives an estimate of NSW transfer duty for general guidance only and does not account for surcharges or your personal circumstances. Confirm exact figures with Revenue NSW or your conveyancer.
Buying soon? Get matched with a Sydney broker
Stamp duty is just one cost. A broker will show you your real borrowing power and total upfront costs — free, and they call you back within 12 hours. 我们提供普通话/粤语服务。
How stamp duty works in NSW
In NSW, "stamp duty" is officially called transfer duty. It's a one-off tax you pay when you buy a property or land, charged on the dutiable value (usually the purchase price or market value, whichever is higher). It's normally payable within 3 months of exchanging contracts, and your conveyancer usually arranges it at settlement.
NSW transfer duty rates (current)
| Dutiable value | Transfer duty |
|---|---|
| $0 – $18,000 | $1.25 per $100 (min $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 |
| $1,290,001+ | $52,237 + $5.50 per $100 over $1,290,000 |
| Premium (residential over $3,870,000) | $194,137 + $7.00 per $100 over $3,870,000 |
Source: Revenue NSW current thresholds and rates. Thresholds are indexed and may change.
First home buyer concessions (FHBAS)
Under the First Home Buyers Assistance Scheme, eligible first home buyers get:
- New or existing home up to $800,000 — no transfer duty (full exemption).
- $800,000 to $1,000,000 — a reduced concessional rate.
- Vacant land up to $350,000 — exempt; $350,000–$450,000 — concessional.
Newly built or off-the-plan homes may also qualify for the $10,000 First Home Owner Grant. To be eligible you generally must move in within 12 months and live there for at least 12 months.
Frequently asked questions
Do first home buyers pay stamp duty in NSW?
Eligible first home buyers pay no transfer duty on a home up to $800,000, and a reduced rate between $800,000 and $1,000,000. Vacant land is exempt up to $350,000.
When do I pay stamp duty in NSW?
Generally within 3 months of exchanging contracts. Your conveyancer or solicitor usually arranges payment at settlement.
Is there extra stamp duty for foreign buyers?
Yes — foreign persons pay a surcharge purchaser duty on top of standard transfer duty. If you're buying on a visa or from overseas, ask us how it applies to you.
This page is general information only and is not financial or legal advice. Figures are estimates based on current Revenue NSW rates and may change. Confirm your exact duty with Revenue NSW or your conveyancer.