New South Wales stamp duty rates 2025-26
New South Wales charges transfer duty on a sliding scale of the property's dutiable value. These are the current brackets the calculator uses:
| Dutiable value | Duty payable |
|---|---|
| $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 – $3,870,000 | $52,237 + $5.50 per $100 over $1,290,000 |
| Over $3,870,000 (premium residential) | $194,137 + $7.00 per $100 over $3,870,000 |
NSW also charges a higher premium rate on residential property above $3.87 million, and a foreign purchaser surcharge of 9% on top of standard duty.
First home buyers in New South Wales
First home buyers pay no duty on new or established homes up to $800,000, with a concession tapering out to $1,000,000. Vacant land is exempt to $350,000 and tapers to $450,000. A First Home Owner Grant of $10,000 may also apply to eligible new homes.
Tick First home buyer above and the calculator shows your NSW concession instantly. For a full comparison of every state, read the first home buyer stamp duty guide.
Worked examples for NSW
Standard duty (before first-home concessions) at three common price points in New South Wales:
| Purchase price | Stamp duty | Effective rate |
|---|---|---|
| $600,000 | $21,188 | 3.53% |
| $800,000 | $30,188 | 3.77% |
| $1,000,000 | $39,188 | 3.92% |
Owner-occupiers and first home buyers often pay less than the figures above. Enter your own price to see your result.
Other government costs
- Mortgage registration fee: about $171.70 in NSW (a fixed government charge to register your loan).
- Land transfer / title registration fee: a separate fee that varies with price — check the NSW revenue office for the exact amount.
- Foreign purchaser surcharge: 9% of the value if you are a foreign buyer, on top of standard duty.
Compare other states
Frequently asked questions
How much is stamp duty in New South Wales?
It depends on the price. On an $800,000 home the standard duty in New South Wales is about $30,188. Use the calculator for your exact price, property type and buyer status.
Do first home buyers pay stamp duty in NSW?
First home buyers pay no duty on new or established homes up to $800,000, with a concession tapering out to $1,000,000. Vacant land is exempt to $350,000 and tapers to $450,000. A First Home Owner Grant of $10,000 may also apply to eligible new homes.
Are these NSW figures exact?
They are close estimates based on the published 2025-26 rate scale. Concessions, surcharges and settlement timing can change the final figure, so confirm with the NSW revenue office or a conveyancer.