New South Wales Stamp Duty
Calculator 2026
Instantly calculate transfer duty for any New South Wales property — including first home buyer exemptions and concessions. Updated for current NSW rates.
Calculate your stamp duty
Enter a price above to see your stamp duty calculation
First home buyer concessions in New South Wales
Zero stamp duty on properties up to $650,000 — you pay nothing
Partial concession between $650,000 and $800,000 — reduces on a sliding scale
$10,000 First Home Owner Grant available — First Home Owner Grant — new builds only
New South Wales stamp duty rate table (owner-occupier)
$0 – $16,000
1.25%
$16,001 – $35,000
1.5%
$35,001 – $93,000
1.75%
$93,001 – $351,000
3.5%
$351,001 – $1,163,000
4.5%
Over $1,163,000
5.5%
Rates shown are for New South Wales residential properties (owner-occupier). First home buyer concessions calculated separately above. Always confirm with Revenue NSW or your conveyancer for the rates applicable to your purchase.
Frequently asked questions — New South Wales stamp duty
Do first home buyers pay stamp duty in NSW?
No — first home buyers in NSW pay zero stamp duty on properties up to $650,000. Between $650,000 and $800,000 a partial concession applies on a sliding scale. Above $800,000 the full rate applies.
When do I pay stamp duty in NSW?
Stamp duty is payable within 3 months of signing the contract (or within 3 months of settlement for off-the-plan purchases). It is paid to Revenue NSW and is typically handled by your conveyancer or solicitor at settlement.
Can I include stamp duty in my home loan?
No — stamp duty cannot be included in your mortgage. It must be paid in cash at settlement, which is why it is critical to factor it into your savings target from the start.
Is stamp duty the same as transfer duty in NSW?
Yes. Revenue NSW renamed 'stamp duty' to 'transfer duty' in 2023, but they refer to the same tax. The rates and thresholds are unchanged.
What is the NSW property tax (land tax) option?
Since 2023, first home buyers in NSW can opt into an annual property tax instead of paying stamp duty upfront on properties up to $1.5m. This is worth modelling if you expect to sell within 5–7 years, as the break-even point varies significantly by price.
Stamp duty calculators for other states
This calculator is for estimation purposes only. Rates are based on New South Wales government schedules current as of 2026 and may not reflect all circumstances. Always confirm your liability with a licensed conveyancer or solicitor.
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