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NSW stamp duty calculator
Stamp duty is one of the biggest upfront costs of buying in New South Wales, and the bracket system behind it isn’t always obvious.
Our NSW stamp duty calculator estimates what you’ll owe based on your purchase price and whether you’re a first home buyer, mover or investor, so you can budget for it properly.
It’s a starting point for the conversation, not a final figure, since thresholds are reviewed and indexed over time.
General stamp duty rates in NSW
Production note: NSW transfer duty brackets are indexed annually, generally on 1 July. Confirm the current thresholds with Revenue NSW before this table goes live. The figures below reflect the source brackets provided and are illustrative only.
| Dutiable value | Duty payable |
|---|---|
| $0 to $17,000 | $1.25 for every $100 |
| $17,000 to $36,000 | $212 plus $1.50 for every $100 over $17,000 |
| $36,000 to $97,000 | $497 plus $1.75 for every $100 over $36,000 |
| $97,000 to $364,000 | $1,564 plus $3.50 for every $100 over $97,000 |
| $364,000 to $1,212,000 | $10,909 plus $4.50 for every $100 over $364,000 |
| $1,212,000 to $3,636,000 | $49,069 plus $5.50 for every $100 over $1,212,000 |
Premium rates may apply above $3,000,000. These general rates don’t apply to investment properties, which carry their own settings.
How this calculator helps
- Estimates your NSW transfer duty before you make an offer.
- Shows how buyer status changes the outcome.
- Helps you budget alongside your deposit and loan repayments.
- Flags if you’re likely eligible for a first home buyer concession.
First home buyer support in NSW
NSW offers exemptions and concessions for eligible first home buyers under its First Home Buyer Assistance Scheme, along with a foreign purchaser surcharge for buyers who don’t meet residency requirements. Both settings change from time to time.
- A full exemption typically applies below a set price threshold, with a partial concession up to a higher one.
- You generally need to live in the property as your main residence to qualify.
- Off-the-plan purchases may have different timing rules for when duty is assessed.
Your adviser can confirm the current NSW thresholds and whether you qualify before you sign a contract, rather than finding out after.
FAQs
What's the First Home Buyer Assistance Scheme?
It’s the NSW scheme that provides a full or partial stamp duty exemption for eligible first home buyers under set price thresholds. We can confirm the current thresholds for you.
Is there a surcharge for foreign buyers in NSW?
Yes, NSW applies a surcharge purchaser duty for buyers who don’t meet residency requirements, on top of standard transfer duty.
Does buying off the plan change my duty timing?
It can. Off-the-plan purchases sometimes have different rules for when duty falls due, so it’s worth checking before you exchange.
Are there extra rates for very expensive properties?
Premium duty rates can apply above $3,000,000. Confirm the current threshold with Revenue NSW before budgeting.
When is NSW stamp duty due?
Generally within three months of the contract date for most purchases, though timing rules can vary. Confirm your exact date with your conveyancer.
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