NSW Stamp Duty Calculator
Enter the higher of the contract price and market value to estimate NSW transfer duty. Add a deposit, registration fees and an optional foreign purchaser surcharge to see the total upfront cash required.
Updated with Revenue NSW rates and NSW LRS standard dealing fees effective 1 July 2026. First home buyer concessions are shown separately below.
Uses the higher of contract price or market value. Rates are the same for owner-occupiers and investors.
Select a preset:
Standard NSW Land Registry Services fees for 2026–27, including GST.
Use this for a simple estimate only. Exemptions and excluded purchasers are not assessed.
Next best steps
Enter the dutiable value to estimate NSW transfer duty and upfront cash needed.
NSW charges transfer duty on a sliding scale. Only the portion of the price within each bracket is charged at that bracket's rate.
| Dutiable value | Rate | Formula |
|---|---|---|
| $0 – $18,000 | 1.25% | $1.25 per $100 (min $20) |
| $18,001 – $38,000 | 1.50% | $225 + 1.50% over $18,000 |
| $38,001 – $103,000 | 1.75% | $525 + 1.75% over $38,000 |
| $103,001 – $387,000 | 3.50% | $1,662 + 3.50% over $103,000 |
| $387,001 – $1,290,000 | 4.50% | $11,602 + 4.50% over $387,000 |
| $1,290,001 – $3,870,000 | 5.50% | $52,237 + 5.50% over $1,290,000 |
| Over $3,870,000 | 7.00% | $194,137 + 7.00% over $3,870,000 |
Transfer duty at common NSW price points, for a general buyer and for an eligible first home buyer (existing home, full exemption to $800,000 then a sliding concession to $1,000,000). Figures are computed live from the Revenue NSW rates above.
| Purchase price | General buyer | First home buyer |
|---|---|---|
| $600,000 | $21,187.00 | $0.00 |
| $800,000 | $30,187.00 | $0.00 |
| $950,000 | $36,937.00 | $29,390.25 |
| $1,100,000 | $43,687.00 | $43,687.00 |
| $1,300,000 | $52,787.00 | $52,787.00 |
| $1,500,000 | $63,787.00 | $63,787.00 |
First home buyer figures assume eligibility for the First Home Buyers Assistance Scheme on a new or existing home. Vacant land uses separate thresholds. Foreign purchasers may pay a 9% surcharge on top.
Scenario
A buyer purchases a $950,000 home in Sydney. The value falls in the $387,001–$1,290,000 bracket: $11,602 + $4.50 for each $100 or part over $387,000.
NSW charges a higher premium transfer duty rate on residential land above $3,870,000 in 2026–27: $194,137 plus $7.00 for each $100 or part over $3,870,000. The calculator applies this 7% marginal rate automatically. The threshold is indexed each 1 July.
Stamp duty is usually the single biggest cost after your deposit. NSW settlement statements will also include transfer registration, mortgage registration, legal fees, and adjustments for council or strata charges. Use the toggle in the calculator to include the fixed NSW Land Registry Services fees.
Many buyers set aside at least 5% extra cash on top of their deposit to cover duty and incidental costs. This calculator adds everything together so you can see the total amount you need to transfer to the solicitor or conveyancer before settlement.
NSW First Home Buyer Assistance
NSW offers a full exemption from transfer duty on new and existing homes up to $800,000 if you qualify as a first home buyer. Concessional rates apply between $800,000 and $1,000,000, and there is no discount above that threshold. Vacant land has a lower threshold of $350,000 for a full exemption. If you are eligible, calculate the full duty first using this tool, then subtract the concession amount published by Revenue NSW. Always obtain confirmation from your conveyancer before exchanging contracts.
What financial year is covered?
Does this include the annual property tax reform?
Are investor purchases treated differently?
Can I claim stamp duty on tax?
How much is stamp duty on an $800,000 house in NSW?
How much is NSW stamp duty on a $1,000,000 property?
Does NSW charge a higher duty rate on expensive homes?
How much extra do foreign buyers pay in NSW?
Tax Accuracy & Sources
Estimates 2026–27 NSW general transfer duty, optional 9% surcharge purchaser duty and standard transfer/mortgage registration fees from the dutiable value entered. It does not determine foreign-purchaser exemptions or first home buyer eligibility.
NSW transfer duty rates, premium duty threshold and LRS fees verified against Revenue NSW, June 2026.