Stamp Duty · Calculator

NSW First Home Buyer Stamp Duty Calculator

Estimate your NSW First Home Buyers Assistance Scheme duty for a new or existing home or vacant land. The calculator applies the separate statutory concession formula for each property type.

Homes: exemption to $800kLand: exemption to $350k2026-27 duty rates

Updated for 2026-27. Results compare the assistance-scheme duty with ordinary transfer duty.

01 —INPUTS

Enter the higher of the contract price and market value. Full exemption to $800,000.00; concession below $1,000,000.00.

Select a preset:

Standard NSW Land Registry Services fees for 2026-27, including GST.

02 —RESULTS
Awaiting input

Choose a property type and enter its dutiable value to estimate your first home buyer duty savings.

Share

Next best steps

Mortgage repaymentsMonthly repayments for your property priceFuture CGT estimateCapital gains if you sell the property laterInvestment property taxRental income, depreciation and net tax positionCompare property scenariosSide-by-side property tax comparisons
Edit inputs ↑
NSW first home buyer concessions

The thresholds depend on whether you buy a home or vacant land:

Property type and valueConcessionYou pay
Home: up to $800,000Full exemption$0 duty
Home: over $800,000 and under $1,000,000Statutory concessionReduced duty *
Home: $1,000,000 or moreNoneFull duty
Vacant land: up to $350,000Full exemption$0 duty
Vacant land: over $350,000 and under $450,000Statutory concessionReduced duty **
Vacant land: $450,000 or moreNoneFull duty

* Home formula: N − [($1,000,000 − V) ÷ $200,000 × D], where N is ordinary duty at value V and D is ordinary duty at $800,000.

** Vacant land uses the equivalent $350,000 exemption and $450,000 cap, with D equal to ordinary duty at $350,000.

Eligibility requirements
→ You must be 18 years or older
→ At least one purchaser must be an Australian citizen or permanent resident
→ Never owned residential property in Australia (including investment property)
→ Your spouse/partner must not have previously received a FHB benefit
→ Move into the property within 12 months of settlement
→ Live there as your principal residence for at least 12 continuous months
Vacant land & FHOG

Vacant land concessions: full exemption up to $350,000; sliding scale $350,001 – $450,000.

The $10,000 First Home Owner Grant is separate from stamp duty concessions. It applies to new homes valued up to $600,000 (or $750,000 including land and building costs). You can receive both the FHOG and the stamp duty exemption if eligible.

FAQ
Can I get the concession on an investment property?
No. You must live in the property as your principal residence. If you rent it out before meeting the occupancy requirement, you'll need to pay the full duty.
What if my partner has owned property before?
If your spouse or de facto partner has previously owned residential property in Australia, you may not be eligible for the full concession. Contact Revenue NSW for specific advice.
Does foreign stamp duty surcharge apply?
The assistance scheme requires at least one buyer to be an Australian citizen or permanent resident, but a foreign co-purchaser may still be liable for 9% surcharge purchaser duty. This calculator does not assess the foreign-purchaser rules.

Tax Accuracy & Sources

Reviewed: July 2026 · Tax year: 2026-27

Estimates 2026-27 NSW First Home Buyers Assistance Scheme duty for new or existing homes and vacant land. It applies the statutory concession formulas but does not determine personal eligibility, foreign-purchaser surcharge, trusts or legacy First Home Buyer Choice property-tax obligations.

Planning your first home purchase?

Compare stamp duty concessions, grants, and FHSS savings across all Australian states in one place.

View the First-Home Buyer Guide →

Related calculators

NSW Stamp Duty Calculator Estimate transfer duty, fees and deposits in NSW VIC First Home Buyer FHB duty exemption up to $600k QLD First Home Buyer FHB exemption - new homes any price WA First Home Buyer FHB duty exemption up to $600k TAS First Home Buyer FHB duty from 1 Jul 2026 (exemption ended) + $20k FHOG ACT First Home Buyer FHB duty exemption, no price cap

NSW first home buyer thresholds, eligibility and occupancy requirements verified against Revenue NSW, July 2026.

Most searched ↑↓ navigate · ⏎ open