New South Wales Stamp Duty
Calculator 2026
Estimate transfer duty for an established or new home in New South Wales. Buyer-specific relief is applied only after you confirm eligibility and remains subject to official assessment.
Enter your purchase price
This calculator covers homes only; vacant land, foreign surcharges, commercial/mixed-use and exceptional concessions are excluded.
Unconfirmed concessions are not applied. Confirmations are for an estimate, not an eligibility assessment.
Confirm the First Home Buyers Assistance Scheme requirements, including prior ownership by you and your spouse or partner and the 12-month continuous residence rule for contracts from 1 July 2023.
Review Revenue NSW rulesEnter a price above to see your calculation
First home buyer concessions in New South Wales
Eligible new or established homes: exempt up to $800,000; partial concession above $800,000 and below $1 million. Move in within 12 months and reside for 12 continuous months. This describes a possible scheme only; eligibility, property type and transaction-date rules apply.
$10,000 Eligible new homes: purchase price up to $600,000, or land and construction combined up to $750,000.
Check official NSW sourceChecked 14 October 2026. Vacant land, foreign surcharges, commercial/mixed-use property and exceptional concessions are outside this estimate.
Progressive rates and contract dates
Duty is calculated under the rate schedule that applies to your transaction date and buyer circumstances. Use this estimate as a guide and check the official NSW schedule before relying on it.
Revenue NSW: current transfer-duty ratesFrequently asked questions — New South Wales transfer duty
Do first home buyers pay stamp duty in NSW?
Eligible first home buyers with contracts from 1 July 2023 may receive a full exemption up to $800,000 and a concessional rate above $800,000 but below $1,000,000. Above that, the full rate applies. Ownership, residence and other criteria apply.
Official NSW Revenue Office guidance — Do first home buyers pay stamp duty in NSW?When do I pay stamp duty in NSW?
Generally, transfer duty must be paid within 3 months of the contract date. Some off-the-plan transactions have different timing rules. Your conveyancer can confirm the due date for your contract.
Official NSW Revenue Office guidance — When do I pay stamp duty in NSW?Can I include stamp duty in my home loan?
Duty is generally payable as a separate settlement cost and lenders may not include it in the loan. Ask your lender and conveyancer how payment timing applies to your transaction.
Official NSW Revenue Office guidance — Can I include stamp duty in my home loan?Is stamp duty the same as transfer duty in NSW?
Yes. Stamp duty is the common name for transfer duty on a property purchase. NSW's general duty thresholds are indexed annually, so use the rates for your contract date.
Official NSW Revenue Office guidance — Is stamp duty the same as transfer duty in NSW?Can new NSW buyers choose property tax instead of transfer duty?
No. The First Home Buyer Choice scheme closed to new applications on 1 July 2023. Buyers who opted in before closure remain under its existing rules.
Official NSW Revenue Office guidance — Can new NSW buyers choose property tax instead of transfer duty?Transfer duty calculators for other states and territories
Estimate checked 14 October 2026; it is not legal or financial advice and may not cover your circumstances. Confirm contract-date rates, eligibility and liability with Revenue NSW or a licensed conveyancer before exchange.
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