Stamp duty, NSW
Stamp Duty Calculator NSW
Estimate transfer duty on a property purchase in New South Wales. Enter the price in the NSW calculator, and see the NSW concessions and rules below.
Calculator results are estimates only. They are not a quote, a pre-qualification or a loan offer, and they don’t consider your objectives, financial situation or needs.
NSW rules
What’s different in New South Wales.
The $800,000 and $1 million first home thresholds work on the property’s value, so a small change in price can change the duty a lot. Run the numbers before you set a budget.
- First home buyers, new or existing homes: no transfer duty on a home valued at $800,000 or less, and a concessional rate between $800,000 and $1 million (contracts exchanged on or after 1 July 2023).
- First home buyers, vacant land: no duty on land valued at $350,000 or less, and a concessional rate between $350,000 and $450,000.
- Living in it (homes): to keep the concession on a home, you move in within 12 months of settlement and live there for at least 12 continuous months.
- First Home Owner (New Homes) Grant: $10,000 for a newly built, off-the-plan or substantially renovated home bought for up to $600,000, or vacant land plus a building contract up to $750,000 combined. You move in within 12 months and live there for 12 continuous months.
- Foreign purchasers pay surcharge purchaser duty on top of transfer duty. Revenue NSW’s calculator works out both.
Checked against Revenue NSW on 8 Nov 2026. Rules change, often at budget time, and the rules that apply are the ones in force on your contract or transaction date. Sources: Revenue NSW: transfer duty. Revenue NSW: First Home Buyers Assistance Scheme. Revenue NSW: First Home Owner (New Homes) Grant.
Your buying costs
Stamp duty is one part of the upfront cost.
Budget for the rest too
Conveyancing, building and pest inspections, lender fees, any lenders mortgage insurance, and moving costs. With less than a 20% deposit, LMI can be a bigger cost than you expect. Try the LVR calculator.
How duty affects your loan
Lenders generally expect duty and costs to come from your own funds, so confirm with your lender. It shapes how much deposit you need. We work out your whole buying position with you and compare options from a panel of 40+ lenders.
Buying your first home?
See our first home buyer guide, or read about our mortgage broking in Sydney.
Stamp duty in other states: VIC · QLD · WA · SA · TAS · ACT · NT · All states
Mortgage broker pages in NSW: Sydney · Macarthur · Campbelltown · Camden · Oran Park · Glenmore Park · Willoughby · Artarmon · Matraville · All areas
Questions
Common questions, straight answers.
Do I pay stamp duty on a first home in NSW?
Not if you’re eligible and the home is valued at $800,000 or less. Between $800,000 and $1 million you pay a concessional rate. Above $1 million, the full rate applies. Your conveyancer confirms eligibility.
Is there a first home owner grant in NSW?
Yes, for new homes. The First Home Owner (New Homes) Grant is $10,000 for an eligible new home up to $600,000, or land and a building contract up to $750,000 combined. It isn’t available for established homes.
Is vacant land treated differently in NSW?
Yes. For first home buyers, no duty applies to vacant land valued at $350,000 or less, with a concessional rate up to $450,000.
Who confirms the final stamp duty?
Your conveyancer or solicitor confirms the final duty, along with any concession or exemption you’re eligible for under Revenue NSW’s rules.
What does it cost to use a mortgage broker?
We don’t charge you for our service. Lenders pay us a commission if you go ahead with a loan. Lender fees may apply, and we go through them with you before you decide.
Talk through your buying costs.
No obligation. No pressure. Just honest answers.
We don’t charge you for our service. Lenders pay us a commission if you go ahead with a loan.