§ 03 — Property · NSW

New South Wales stamp duty calculator 2026.

First home buyers pay $0 duty on properties up to $800,000. A concessional rate applies between $800,001 and $1,000,000. Enter your property price below to see the exact transfer duty payable.

Updated · Apr 2026·Source: New Revenue Office·Read · 4 min

Your inputs

Property price

State or territory

First home buyerApply exemption or concession if eligible.

Inputs local. Nothing sent anywhere.

The result

Stamp duty payable · New South Wales

$52,343

Effective rate · 6.16% of property price

Property price: $850,000
Stamp duty: $52,343
Total upfront: $902,343

§ Same price, every state

State / territory	Stamp duty	Effective rate
New South Wales NSW	$52,343	6.16%
Victoria VIC	$42,970	5.06%
Queensland QLD	$31,275	3.68%
Western Australia WA	$34,891	4.10%
South Australia SA	$41,830	4.92%
Tasmania TAS	$36,111	4.25%
Australian Capital Territory ACT	$34,500	4.06%
Northern Territory NT	$60,229	7.09%

Calculations use general residential transfer-duty schedules as of April 2026. They exclude foreign-buyer surcharges, off-the-plan concessions, pensioner discounts, and disability discounts. Always confirm with the relevant state revenue office.

How New South Wales stamp duty works

New South Wales charges transfer duty (stamp duty) on all residential property purchases using a progressive bracket system — the higher the property price, the higher the effective rate. The calculator above applies the exact 2026 rate schedule from the New Revenue Office.

First home buyers pay $0 duty on properties up to $800,000. A concessional rate applies between $800,001 and $1,000,000.If you're not a first home buyer, the standard rates apply from dollar one.

Stamp duty is payable at settlement — your conveyancer or solicitor handles the payment to the revenue office. Budget for it alongside your deposit, building inspection, conveyancing fees, and lender's mortgage insurance if your LVR exceeds 80%.

§ Letters & replies

NSW stamp duty, answered.

Common questions about transfer duty in New South Wales.

What is the stamp duty exemption threshold for first home buyers in NSW?+ open

First home buyers in NSW pay $0 stamp duty on properties up to $800,000. A concessional (sliding) rate applies between $800,001 and $1,000,000. Above $1,000,000 the full rate applies.

How is NSW stamp duty calculated on a $1,000,000 property?+ open

For a standard buyer (not first home): duty is $18,323 on the first $364,000 plus 7% on the amount above $364,000 up to $1,000,000 — roughly $63,000 total. A first home buyer at exactly $1,000,000 pays the concessional rate.

Does NSW have a land tax alternative to stamp duty?+ open

Yes — NSW introduced an optional annual land tax (the First Home Buyer Choice) for eligible first home buyers purchasing below $1.5m. You pay an ongoing annual tax instead of the upfront lump sum. Most buyers still opt for stamp duty when buying to hold long-term.

Compare other states or keep planning

§ 03 — Property

Threshold	Amount
Duty-free up to	$800,000
Concession to	$1,000,000

New South Wales stamp duty calculator 2026.

How New South Wales stamp duty works

NSW stamp duty, answered.

Compare other states or keep planning

All-state comparison

Mortgage repayments

Salary take-home