Stamp duty calculator New South Wales 2026-27
New South Wales stamp duty on an $800,000 home is $30,187 if you will live in it and $30,187 for an investment property. First home buyers pay no transfer duty on a new or existing home worth $800,000 or less, under the First Home Buyers Assistance Scheme.
Updated By James CrawfordCalculated in your browserHow it works
Your purchase
Stamp duty
$30,187
Using general rates
| Transfer registration fee | $183 |
|---|---|
| Mortgage registration fee | $183 |
| Total government costs | $30,552 |
An estimate under the rules in force in October 2026. Concessions have conditions, such as living in the home; check eligibility with the state revenue office before you sign.
NSW stamp duty rates
NSW has one set of rates for everyone. Thresholds are indexed each 1 July; these are the 2026-27 figures. Homes over $3,870,000 pay premium property duty of 7% on the amount above that.
| Property value | Duty |
|---|---|
| Up to $18,000 | $1.25 per $100 |
| $18,000 to $38,000 | $225 plus $1.50 per $100 over $18,000 |
| $38,000 to $103,000 | $525 plus $1.75 per $100 over $38,000 |
| $103,000 to $387,000 | $1,662 plus $3.50 per $100 over $103,000 |
| $387,000 to $1,290,000 | $11,602 plus $4.50 per $100 over $387,000 |
| $1,290,000 to $3,870,000 | $52,237 plus $5.50 per $100 over $1,290,000 |
| Over $3,870,000 | $194,137 plus $7.00 per $100 over $3,870,000 |
First home buyers in NSW
- First home buyers pay no transfer duty on a new or existing home worth $800,000 or less, under the First Home Buyers Assistance Scheme.
- Between $800,000 and $1,000,000 there is a concession that tapers to nothing at $1,000,000.
- Vacant land has separate limits: exempt to $350,000, with a concession to $450,000.
Stamp duty examples in NSW
| Price | Home to live in | Investment | First home |
|---|---|---|---|
| $500,000 | $16,687 | $16,687 | $0 |
| $750,000 | $27,937 | $27,937 | $0 |
| $1,000,000 | $39,187 | $39,187 | $39,187 |
| $1,500,000 | $63,787 | $63,787 | $63,787 |
Foreign buyers and fees
Foreign persons pay surcharge purchaser duty of 9% of the value on top of transfer duty.
Transfer and mortgage registration are $182.73 each (NSW Land Registry Services, 2026-27).
Compare every state on the stamp duty calculator for Australia, or work out repayments with the mortgage calculator. Other states: VIC, QLD, WA, SA, Tasmania, ACT, NT.
Sources: Revenue NSW: current thresholds and rates, Revenue NSW: First Home Buyers Assistance Scheme, NSW Government: First Home Buyers Assistance Scheme examples and NSW Land Registry Services fees 2026-27. Maintained by James Crawford; last updated 22 October 2026. How our calculators work.