NSW Stamp Duty Calculator
Enter the property price and your situation to estimate NSW transfer duty. Toggle the first home buyer option to see how the First Home Buyer Assistance Scheme changes the number. This is an estimate only — we'll confirm the exact figure for your purchase.
Is that number right for your situation?
A calculator applies one formula. Lenders apply their own, and they disagree with each other. Send us what you worked out and we will tell you how it looks against real lender policy.
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How NSW stamp duty works
NSW transfer duty (commonly called stamp duty) is a tax paid to the NSW government when you buy property. The amount is based on the purchase price or market value — whichever is higher — and it's due at settlement.
For a standard purchase, duty is calculated on a sliding scale. Properties under $16,000 attract a base rate of $63.50. Above that, the rate increases in tiers — from 1.5% up to 3.5% for properties over $1.3 million. The higher the price, the higher the marginal rate on the portion above each threshold.
First Home Buyer Assistance Scheme (FHBAS)
Eligible first home buyers pay no transfer duty on homes valued up to $800,000, and a concession on a sliding scale for homes between $800,000 and $1,000,000. Above $1,000,000, no concession applies. To be eligible, at least one applicant must be a first home buyer who will live in the home as their principal place of residence for at least six continuous months, starting within 12 months of settlement.
First Home Owner Grant (FHOG)
The FHOG is a separate $10,000 grant available for first home buyers buying or building a new home valued up to $600,000 (or building on land you own, with the total up to $750,000). Established homes don't qualify for the grant, but they can still qualify for stamp duty relief under FHBas.
Worth knowing: the FHBas exemption and the FHOG are two different things. You can be eligible for one, both, or neither depending on what you're buying. We'll help you work out which applies to your purchase.
What this doesn't include
- Mortgage registration fee. A small fee paid to register the mortgage on the title — $182.73 from 1 July 2026 (NSW Land Registry Services).
- Transfer fee. A fee for transferring the property title — varies slightly by property value.
- Foreign buyer surcharge. Foreign persons purchasing NSW residential property pay an additional 9% surcharge purchaser duty. This calculator doesn't model that.
- Conveyancing or legal fees. Your solicitor or conveyancer's fee is separate from stamp duty.
Common questions
Stamp duty is due at settlement — when the property title transfers to your name. Your solicitor or conveyancer usually arranges the payment to Revenue NSW as part of the settlement process.
Generally no — stamp duty needs to be paid at settlement from your own funds. However, if you have enough equity or a large enough deposit, some lenders allow you to capitalise certain costs into the loan. We'll explain what's possible for your situation.
You're eligible if you (and any co-buyer) are individuals over 18, at least one applicant is a first home buyer, and you'll live in the home as your principal place of residence for at least six continuous months starting within 12 months of settlement. The property must be valued under $1,000,000.
No — they're separate. The FHOG is a $10,000 grant for buying or building a new home. The FHBas is a stamp duty exemption or concession. You can be eligible for one, both, or neither. We'll help you work out which applies.
Buying in NSW? We'll confirm the exact figures
Stamp duty is just one cost. We'll map out every fee and concession for your purchase — free, no obligation.