NSW First Home Buyer Stamp Duty Calculator
See how much you can save on stamp duty as a first home buyer in New South Wales. NSW offers generous concessions for properties under $1 million.
Updated for 2025-26. Shows your savings compared to standard rates.
Full exemption up to $800,000. Sliding scale $800,001-$999,999.
Select a preset:
Enter a property price to estimate your first home buyer stamp duty savings.
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NSW has a two-tier system for first home buyers:
| Property value | Concession | You pay |
|---|---|---|
| $0 – $800,000 | Full exemption | $0 duty |
| $800,001 – $1,000,000 | Sliding scale | Proportional duty * |
| $1,000,000+ | None | Full duty |
* Sliding scale formula: Standard duty × [(Value − $800,000) / $200,000]
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.
Can I get the concession on an investment property?
What if my partner has owned property before?
Does foreign stamp duty surcharge apply?
Tax Accuracy & Sources
Estimates NSW stamp duty savings for first home buyers including the full exemption (up to $800,000) and sliding scale concession (up to $1,000,000). Does not cover vacant land concessions, trusts, or the First Home Buyer Choice annual property tax option.
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 →NSW first home buyer concessions confirmed January 2025. Source: Revenue NSW.