✅ Fact checked | 🗓️ Updated: April 2026 | ✍️ FinSight Editorial Team | ⚡ Free to use — no signup required Estimated NSW Transfer Duty$0Property Value–Total with Duty–Effective Duty Rate–Buyer Type–This is an estimate. Revenue NSW is the authoritative source. Figures are based on 2025-26 rates.
🎉 First Home Buyer? You May Pay Zero Stamp Duty
NSW first home buyers are fully exempt from stamp duty on properties up to $800,000. A partial concession applies up to $1,000,000. Select “First Home Buyer” above to see your saving.
NSW Stamp Duty Rates 2025-26
The following transfer duty rates apply to residential properties in New South Wales for the 2025-26 financial year.
Property Value Duty Rate Example ($600k) $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 $21,480 Over $1,168,000 $47,295 + $5.50 per $100 over $1,168,000 –
💡 Foreign Purchaser Surcharge
From 1 July 2023, foreign purchasers pay an additional 8% surcharge on the purchase price of residential land. This is in addition to the standard transfer duty rates above.
NSW First Home Buyer Thresholds 2025-26
The NSW First Home Buyers Assistance Scheme provides full or partial stamp duty exemptions:
Property Value Concession Maximum Saving Up to $800,000 Full exemption (100%) Up to $31,490 $800,001 – $1,000,000 Partial concession (sliding scale) Up to $31,490 Over $1,000,000 No concession $0
Important: First home buyer concessions only apply to established homes and new properties. Vacant land has separate thresholds ($350,000 for full exemption, $450,000 for partial concession).
Frequently Asked Questions
How is stamp duty calculated in NSW?+NSW stamp duty (transfer duty) is calculated on a sliding scale. For a $750,000 property, the calculation is: $10,530 + 4.50% of ($750,000 − $351,000) = $10,530 + $17,955 = $28,485. First home buyers on properties under $800,000 pay zero. Use the calculator above for instant results.Do first home buyers pay stamp duty in NSW?+No — first home buyers in NSW are fully exempt from stamp duty on properties up to $800,000. For properties between $800,001 and $1,000,000, a partial concession applies on a sliding scale. Properties over $1,000,000 pay full duty. This applies to established homes and new properties (not vacant land).When do you pay stamp duty in NSW?+Stamp duty must be paid within 3 months of signing the contract of sale for residential property. If you’re purchasing off-the-plan, you have 3 months from settlement. Payments are made to Revenue NSW. Your solicitor or conveyancer typically handles this as part of settlement.Is stamp duty the same as transfer duty in NSW?+Yes. Revenue NSW officially renamed “stamp duty” to “transfer duty” in recent years, but both terms refer to the same tax on property purchases. The FinSight calculator uses both terms interchangeably. The official payment portal is Revenue NSW (revenue.nsw.gov.au).What is the land tax annual charge alternative in NSW?+NSW introduced an optional annual property tax for eligible first home buyers. Instead of paying stamp duty upfront, you can pay a smaller annual charge (currently $400 plus 0.3% of the land value per year). This option is only available to first home buyers and must be elected within 3 months of settlement.Related Calculators
This is an estimate. Revenue NSW is the authoritative source. Figures are based on 2025-26 rates.
🎉 First Home Buyer? You May Pay Zero Stamp Duty
NSW first home buyers are fully exempt from stamp duty on properties up to $800,000. A partial concession applies up to $1,000,000. Select “First Home Buyer” above to see your saving.
NSW Stamp Duty Rates 2025-26
The following transfer duty rates apply to residential properties in New South Wales for the 2025-26 financial year.
| Property Value | Duty Rate | Example ($600k) |
|---|---|---|
| $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 | $21,480 |
| Over $1,168,000 | $47,295 + $5.50 per $100 over $1,168,000 | – |
💡 Foreign Purchaser Surcharge
From 1 July 2023, foreign purchasers pay an additional 8% surcharge on the purchase price of residential land. This is in addition to the standard transfer duty rates above.
NSW First Home Buyer Thresholds 2025-26
The NSW First Home Buyers Assistance Scheme provides full or partial stamp duty exemptions:
| Property Value | Concession | Maximum Saving |
|---|---|---|
| Up to $800,000 | Full exemption (100%) | Up to $31,490 |
| $800,001 – $1,000,000 | Partial concession (sliding scale) | Up to $31,490 |
| Over $1,000,000 | No concession | $0 |
Important: First home buyer concessions only apply to established homes and new properties. Vacant land has separate thresholds ($350,000 for full exemption, $450,000 for partial concession).