NSW stamp duty calculator
Enter your purchase price and buyer type to get an instant NSW transfer duty estimate. First home buyers see their exemption or concession applied automatically.
How to use this calculator
- Enter your purchase price: the contract price for the property.
- Select your buyer type:
- Standard buyer: you are not a first home buyer, or the property is above the concession thresholds.
- First home buyer (established home): you have never owned residential property in Australia and you intend to live in the home. Full exemption at $800,000 or less; sliding concession up to $1,000,000.
- First home buyer (vacant land): purchasing land on which you will build your first home. Full exemption at $350,000 or less; sliding concession up to $450,000.
- Click Estimate duty: the result shows your estimated transfer duty and any first home buyer saving.
The estimate is based on the graduated rate scale set by the Duties Act 1997 (NSW), verified against Revenue NSW. It is a guide only; your conveyancer will obtain the formal Revenue NSW assessment for your specific transaction.
NSW transfer duty rates 2026-27
Transfer duty is calculated on a graduated (progressive) scale: a higher rate applies only to the portion of the price within each bracket, not to the entire amount. The brackets below apply to standard (non-first-home-buyer) residential purchases. Rates verified 2026-07-20 against Revenue NSW.
| Property value | Duty payable |
|---|---|
| $0 to $18,000 | $1.25 per $100 (or part) |
| $18,001 to $38,000 | $225 + $1.50 per $100 over $18,000 |
| $38,001 to $103,000 | $525 + $1.75 per $100 over $38,000 |
| $103,001 to $387,000 | $1,662 + $3.50 per $100 over $103,000 |
| $387,001 to $1,290,000 | $11,602 + $4.50 per $100 over $387,000 |
| $1,290,001 to $3,870,000 | $52,237 + $5.50 per $100 over $1,290,000 |
| Over $3,870,000 | $194,137 + $7.00 per $100 over $3,870,000 |
First home buyer exemptions and concessions
The First Home Buyers Assistance Scheme (FHBAS), administered by Revenue NSW, provides:
- Established or new homes: full duty exemption when the value is equal to or less than $800,000; a concessional rate applies when the value is above $800,000 and less than $1 million.
- Vacant land: full duty exemption when the value is equal to or less than $350,000; a concessional rate applies when the value is above $350,000 and less than $450,000.
To qualify, at least one of the first home buyers must be an Australian citizen or permanent resident, you and your spouse or partner must never have owned or co-owned residential property in Australia, and you must move into the home within 12 months after settlement and live there as your principal place of residence for at least 12 continuous months. You must be an individual, not a company or trust.
Your conveyancer lodges the FHBAS exemption application on your behalf as part of the settlement process. See our full guide: First home buyer NSW: stamp duty exemptions, grants and schemes
Foreign purchaser surcharge
Foreign persons (as defined in the Duties Act 1997 (NSW)) who acquire residential property in NSW pay an additional surcharge purchaser duty on top of standard transfer duty. Revenue NSW publishes current surcharge rates and the definition of "foreign person" at revenue.nsw.gov.au. The calculator above shows the standard transfer duty only; if a surcharge applies, add it separately using the Revenue NSW surcharge calculator.
Common questions
Is stamp duty the same as transfer duty in NSW?
Yes. NSW officially renamed stamp duty to "transfer duty" but both terms refer to the same state government tax on property transfers, administered by Revenue NSW under the Duties Act 1997 (NSW).
When is NSW transfer duty due?
Transfer duty must be assessed and paid before the title transfer can be registered with NSW Land Registry Services. In practice, your conveyancer ensures duty is paid at or before settlement. Revenue NSW must issue a duty certificate (duty-endorsed contract) before the title can change hands.
Who pays stamp duty, the buyer or the seller?
The buyer pays transfer duty. The seller does not pay stamp duty on the sale (though the seller may have other costs such as agent commissions and legal fees).
Is transfer duty calculated on the contract price or market value?
Transfer duty is assessed on the higher of the contract price or the market value of the property. In most standard arm's-length sales the two are the same. Revenue NSW may commission an independent valuation if the contract price appears below market value.
Can I negotiate who pays stamp duty?
No. Under NSW law the buyer is liable for transfer duty; you cannot contractually shift this obligation to the seller.
Does stamp duty apply to off-the-plan purchases?
Yes, though timing and how duty is calculated can differ for off-the-plan contracts. First home buyers purchasing new off-the-plan homes may be eligible for the FHBAS exemption on the land value component, subject to eligibility conditions. See our guide: Off-the-plan conveyancing NSW
What does my conveyancer do about stamp duty?
Once you exchange contracts, your conveyancer submits a duty assessment to Revenue NSW via their secure portal, advises you of the assessed amount and payment deadline, ensures payment is made and the contract is duty-endorsed, and (if you are a first home buyer) lodges the FHBAS exemption or concession application on your behalf.
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