NSW Stamp Duty Calculator 2026 — New South Wales Transfer Duty

Stamp Duty in New South Wales — 2026 Guide

New South Wales stamp duty (officially called transfer duty) is a state government tax paid when you buy property. It’s calculated on a sliding scale — the higher the purchase price, the higher the rate. NSW uses a sliding scale. From 1 July 2023, first home buyers can choose to pay an annual property tax instead of stamp duty on properties up to $1.5M.

First home buyers: full exemption up to $800,000, concession up to $1,000,000. Always verify current thresholds at the NSW Revenue Office.

💡 Tip: Stamp duty is one of the biggest upfront costs in property buying — often $15,000–$40,000 on a typical home. Always budget for it before you start shopping.

Rates are based on NSW Revenue Office schedules for 2025-26. Always verify current rates at www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty before making financial decisions.

🇦🇺 New South Wales • Updated 2026

New South Wales Stamp Duty Calculator 2026

Calculate transfer duty on New South Wales properties. Includes first home buyer concessions, foreign purchaser surcharges, and full upfront cost estimates.

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First Home Buyer in New South Wales?
No stamp duty on homes up to $800,000. Concessions apply up to $1,000,000.
🏡 I am a First Home Buyer
🌍 Foreign purchaser / non-resident
📋 Stamp Duty Summary —
Purchase Price
Stamp Duty
Transfer / Registration Fee (est.)
Legal / Conveyancing (est.)
Building & Pest Inspection (est.)$400 – $700
Estimated Total Upfront Costs
Top Rate (New South Wales)
7% on properties over $3M
Foreign Purchaser
8% foreign purchaser surcharge

NSW Stamp Duty Rates 2026

Property ValueDuty Payable
$0 – $16,000$1.25 per $100
$16,001 – $35,000$200 + $1.50 per $100 over $16,000
$35,001 – $93,000$485 + $1.75 per $100 over $35,000
$93,001 – $351,000$1,500 + $3.50 per $100 over $93,000
$351,001 – $1,168,000$10,530 + $4.50 per $100 over $351,000
Over $1,168,000$47,295 + $5.50 per $100 over $1,168,000

First Home Buyer: Exempt up to $800,000. Concession available between $800,000–$1,000,000.

$500k example: $17,990$750k example: $29,740
About Stamp Duty in New South Wales

Stamp duty (officially called transfer duty in New South Wales) is a state government tax paid when property changes ownership. It is one of the largest upfront costs when buying a home — often ranging from $10,000 to $50,000+ depending on the purchase price.

NSW introduced optional annual property tax for first home buyers in 2023 as an alternative to stamp duty on properties up to $1.5M.

Official New South Wales Revenue Office calculator →
Disclaimer: Stamp duty rates and concessions change regularly. This calculator provides estimates only — always verify current rates with the New South Wales Revenue Office or your conveyancer before settling.
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