New South Wales · Transfer duty
NSW stamp duty calculator
Work out your 2026–27 NSW stamp duty, including first home buyer relief and the foreign buyer surcharge.
FY 2026-27 rates · verified against the official sources.
Your tally
Stamp duty
$23,437
No stamp duty to pay
+ $365.46 registration fees = $23,802.46 in government charges.
Transfer duty $23,437Foreign surcharge $0Registration $365.46
How it’s made up
Standard schedule applied.
Estimate for standard transactions; concession eligibility conditions apply. Registry fees are NSW Land Registry Services's FY 2026-27 lodgement fees for the transfer and one mortgage — buying without a loan, subtract the mortgage fee. PEXA/conveyancing charges are separate. Confirm with Revenue NSW before relying on it.
The brackets move every 1 July.
NSW indexes its transfer duty thresholds to CPI each financial year — this page runs the FY 2026–27 table (top general threshold $1,290,000; premium duty on homes from $3,870,000).
How New South Wales calculates transfer duty
This stamp duty calculator for NSW runs the FY 2026–27 transfer duty table — the thresholds Revenue NSW re-indexes every 1 July — plus the First Home Buyers Assistance Scheme and the foreign buyer surcharge, verified against Revenue NSW's own worked examples to the cent.
Transfer duty is charged on the dutiable value — the purchase price or the market value, whichever is higher (that’s why a bargain family transfer is still assessed on what the property is worth). The rates are a sliding scale: each bracket adds a fixed base plus so many dollars per $100 — or part of $100 — over the bracket floor. You must pay within three months of exchanging contracts to avoid interest; in practice your conveyancer lodges electronically and duty is paid at settlement.
Two overlays sit on top of the general table. The First Home Buyers Assistance Scheme wipes duty entirely up to $800,000 for a first home (new or existing) and shrinks the bill on homes under $1 million — with a 12-month live-in requirement. And premium duty adds a 7% top rate on residential value above $3,870,000, applied to the first two hectares. Both thresholds re-index each July along with the brackets. On a new home, the First Home Owner Grant can be paid on top of the scheme.
NSW transfer duty rates (FY 2026–27)
| Dutiable value | Duty |
|---|---|
| Up to $18,000 | $1.25 per $100 (minimum $20) |
| $18,000 – $38,000 | $225 + $1.50 per $100 over $18,000 |
| $38,000 – $103,000 | $525 + $1.75 per $100 over $38,000 |
| $103,000 – $387,000 | $1,662 + $3.50 per $100 over $103,000 |
| $387,000 – $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 — premium duty |
Minimum duty $20. Premium duty applies to residential value (first 2 hectares).
Exemptions and concessions
The calculator above models the NSW transfer duty concessions that turn on who is buying and what they are buying — the ones you can pick in the form:
- My home or an investment — NSW charges both on one general schedule.
- My first home — New or existing: no duty to $800,000, less duty under $1m.
- Land for my first home — No duty to $350,000, less duty under $450,000.
Those come from New South Wales’s published schedule, and the engine behind them is pinned by tests to Revenue NSW’s own worked examples and its First Home Buyers Assistance Scheme calculator.
Other exemptions exist that this calculator does not model, because they turn on facts a calculator cannot see: a transfer between spouses or de facto partners, property passing through a deceased estate, a transfer ordered on the breakdown of a relationship, a family farm, or a concession card. Whether any of those is available in New South Wales, and on what conditions, is a question for Revenue NSW. We do not guess at eligibility rules we have not verified, so the figure above assumes none of them applies to you.
The same price, in every state
Duty is the one purchase cost that changes completely with the border, and the gap between the dearest and the cheapest jurisdiction on an identical price is routinely tens of thousands. This moves with the calculator above.
NSW ranks #3 of 8 for owner-occupier duty at $650,000, cheapest first.
| State | Owner-occupier | Investor |
|---|---|---|
| ACT | $14,888 | $17,880 |
| QLD | $15,100 | $22,275 |
| NSW (this page) | $23,437 | $23,437 |
| TAS | $24,623 | $24,623 |
| WA | $24,890 | $24,890 |
| SA | $29,580 | $29,580 |
| NT | $32,175 | $32,175 |
| VIC | $34,070 | $34,070 |
Whole dollars. First home buyer concessions are excluded here because eligibility differs by state and by buyer; the calculator above applies NSW's.
Quick answers by price
| Property price | Standard buyer | First home buyer (home) |
|---|---|---|
| $500,000 | $16,687 | $0 |
| $650,000 | $23,437 | $0 |
| $800,000 | $30,187 | $0 |
| $900,000 | $34,687 | $19,594 |
| $1,000,000 | $39,187 | $39,187 |
| $1,290,000 | $52,237 | $52,237 |
| $1,500,000 | $63,787 | $63,787 |
| $2,000,000 | $91,287 | $91,287 |
Every figure comes from the same tested engine as the calculator — the official schedule, not an approximation. Buying with less than a 20% deposit? Add lenders mortgage insurance to your upfront costs.
Worked examples
- Standard buyer, $650,000 unit. $11,602 + $4.50 per $100 over $387,000 = $23,437.
- First home buyer, $850,000 house. Full duty would be $32,437, but the First Home Buyers Assistance Scheme knocks off $22,640.25 — duty payable $9,796.75. At $800,000 or under it would be zero.
- Foreign buyer, $1,000,000 apartment. $39,187 transfer duty + $90,000 surcharge purchaser duty (9%) = $129,187.
Frequently asked questions
How much is stamp duty in NSW?
Do first home buyers pay stamp duty in NSW?
What is premium transfer duty?
Does NSW have a foreign buyer surcharge?
When do you pay stamp duty in NSW?
Can stamp duty be added to my home loan?
Keep tallying
All states
LMI calculator
Buying with less than a 20% deposit? Estimate lenders mortgage insurance on top of your duty.
Open calculator →
NSW
Land tax calculator NSW
Keeping it as an investment? The annual land tax bill, by owner type.
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The whole bill
Upfront costs of buying
Duty is the biggest line, not the only one — add registry fees, LMI, legals and inspections.
Open calculator →
Sources
- Revenue NSW — How to calculate transfer duty (FY 2026/27 rates)
- Revenue NSW — First Home Buyers Assistance Scheme
- Revenue NSW — Surcharge purchaser duty
Rates last verified 2026-08-27 for FY 2026-27. General information only — not financial, legal or tax advice.