Stamp duty · New South Wales
NSW stamp duty calculator
New South Wales charges $27,937 transfer duty on a $750,000 established home, or $0 for a first home buyer, plus 9% for foreign buyers. Estimate yours below, with Revenue NSW's rules as checked on 26 October 2026.
Estimated stamp duty
$27,937
- Transfer dutyGeneral transfer duty rates 2026/2027 (incl. premium residential rate)
- $27,937
- Mortgage registration fee
- $182.73
- Transfer registration fee
- $182.73
- Total government costs
- $28,302.46
A 60-minute consultation with Sulav Adhikari, by phone or video. We check these numbers against real lender policy.
Checked against Revenue NSW on (2026-27 rules)
- General transfer duty rates 2026/2027 (incl. premium residential rate): page, official calculator · checked
- NSW Land Registry Services: registration fees: PDF · checked
- First Home Owner (New Homes) Grant: page · checked
Assumptions
- The price you enter is treated as the dutiable value (the higher of the price and the market value).
- Every buyer is in the same residency group and buys the whole property. Mixed purchases (for example one foreign co-buyer) are worked out differently; use the revenue office calculator.
- Concessions and grants assume you meet all their conditions, including living in the home for the required time.
- Government fees are the land titles office registration fees for one transfer and one mortgage. Conveyancing, inspections and lender fees are not included.
- Your conveyancer or solicitor confirms the duty payable before settlement.
Estimates only, not a quote or credit approval. Important information about our calculators.
NSW in brief
What makes NSW different
$27,937 on a $750,000 home
That is 3.7% of the price for a home buyer who is not buying their first home. The top rate is 7% on every dollar above $3,870,000.First home buyers: $0 at $750,000
First Home Buyers Assistance Scheme (new or existing home): No duty up to $800,000. Reduced duty above $800,000 and below $1,000,000; full duty from $1,000,000. First Home Buyers Assistance Scheme (vacant land): No duty up to $350,000. Reduced duty above $350,000 and below $450,000; full duty from $450,000.9% surcharge purchaser duty
$67,500 extra at $750,000. Permanent residents can count as foreign persons if they don't meet the residence test.$10,000 First Home Owner (New Homes) Grant
For new homes and off-the-plan purchases up to $600,000. Not for established homes.$365.46 in registration fees
NSW Land Registry Services: transfer $182.73; mortgage $182.73.
01Rates
NSW transfer duty rates
What Revenue NSW charges on the dutiable value, for contracts from 1 July 2026.
| Dutiable value | Duty |
|---|---|
| Up to $18,000 | 1.25% of the value |
| $18,001 to $38,000 | $225 plus 1.5% of the value over $18,000 |
| $38,001 to $103,000 | $525 plus 1.75% of the value over $38,000 |
| $103,001 to $387,000 | $1,662 plus 3.5% of the value over $103,000 |
| $387,001 to $1,290,000 | $11,602 plus 4.5% of the value over $387,000 |
| $1,290,001 to $3,870,000 | $52,237 plus 5.5% of the value over $1,290,000 |
| Over $3,870,000 | $194,137 plus 7% of the value over $3,870,000 |
The value is rounded up to the next $100 before the rates apply. Minimum duty $20.
At a glance
Duty at common prices in NSW
From $500,000 to $1,500,000, for investors, home buyers and first home buyers in NSW.
| Price | Home or investment | First home, established | First home, new |
|---|---|---|---|
| $500,000 | $16,687 | $0 | $0 |
| $650,000 | $23,437 | $0 | $0 |
| $750,000 | $27,937 | $0 | $0 |
| $900,000 | $34,687 | $19,593.50 | $19,593.50 |
| $1,100,000 | $43,687 | $43,687 | $43,687 |
| $1,500,000 | $63,787 | $63,787 | $63,787 |
- Before land titles fees; citizens or permanent residents; Revenue NSW rules as checked on 26 October 2026.
02Concessions
First home buyer concessions and grants
What Revenue NSW offers home buyers, and the conditions that come with it.
First Home Buyers Assistance Scheme (new or existing home)
No duty up to $800,000. Reduced duty above $800,000 and below $1,000,000; full duty from $1,000,000. Applies to established homes, new homes and off-the-plan purchases.
- Individuals aged 18 or over (not a company or trust).
- You and your spouse or partner have never owned or co-owned residential property in Australia, and never received this exemption or concession.
- At least one first home buyer must be an Australian citizen or permanent resident.
- Move in within 12 months after settlement and live there for at least 12 continuous months.
- Must be the whole property (shared-equity rules apply when buying with ineligible buyers).
First Home Buyers Assistance Scheme (vacant land)
No duty up to $350,000. Reduced duty above $350,000 and below $450,000; full duty from $450,000. Applies to vacant land.
- Vacant land on which you intend to build your first home.
- Same buyer requirements as for homes (18+, never owned residential property in Australia, at least one citizen or permanent resident).
First Home Owner (New Homes) Grant: $10,000
- New, off-the-plan or substantially renovated homes only. Not available for established homes.
- Purchase price must not exceed $600,000; building (land + comprehensive building contract) must not exceed $750,000.
- At least one applicant must be an Australian citizen or permanent resident; each applicant 18 or over.
- Live in the home within 12 months and for at least 12 continuous months (contracts from 1 July 2023).
- One grant per transaction; not available to temporary residents.
Other concessions
The calculator does not apply these. Your conveyancer or Revenue NSW can confirm whether you qualify.
- Off-the-plan duty payment deferral. Owner-occupiers buying off the plan can defer paying transfer duty for up to 12 months (pay at the earliest of 15 months after the contract, settlement, or sale/assignment). Not a reduction in duty. Not available if any purchaser is a foreign person, or for vacant land.
03Foreign buyers
Surcharge purchaser duty: 9%
Paid on top of transfer duty, on the full dutiable value. On a $750,000 purchase that is $67,500.
Who pays it
- Foreign persons acquiring residential-related property in NSW, in addition to transfer duty.
- Temporary and bridging visa holders are foreign persons (except partner visa 309/820 holders who are ordinarily resident or exempt, and retirement visa 405/410 holders who meet the residence requirement).
- Permanent residents who were in Australia fewer than 200 days in the previous 12 months, unless they qualify as an exempt permanent resident.
Who doesn't
- Australian citizens.
- Permanent residents ordinarily resident in Australia (200+ days in Australia in the 12 months before the contract).
- Exempt permanent residents: buy as an individual and live in the property as your principal place of residence for 200 days within 12 months.
- New Zealand citizens on a Special Category visa (444) who meet the 200-day residence requirement.
- Eligibility for the First Home Buyers Assistance Scheme does not exempt a foreign person from the surcharge.
How your visa changes this:
- Visa and PR home loans
- Permanent residents
- Subclass 491 and subclass 482 visa holders
04Government fees
Land titles fees
NSW Land Registry Services charges these to register your purchase and your mortgage. Fees from 1 July 2026.
| Fee | How it is worked out | At $750,000 |
|---|---|---|
| Transfer registration | $182.73 | $182.73 |
| Mortgage registration | $182.73 | $182.73 |
| Total | $365.46 |
- Fees include GST and the Torrens Assurance Fund levy. Revenue NSW also charges $20 per duplicate/transfer when stamping.
- Conveyancing, inspections, lender fees and any FIRB application fee are not included.
05Worked examples
Three NSW purchases, worked through
$900,000, $1,200,000 and $850,000 purchases in NSW, from the same rules as the calculator.
A first home buyer buys a $900,000 established home
Citizens or permanent residents buying their first home to live in.
The First Home Buyers Assistance Scheme (new or existing home) cuts transfer duty from $34,687 to $19,593.50.
| Item | Amount |
|---|---|
| Transfer dutyGeneral transfer duty rates 2026/2027 (incl. premium residential rate) | $34,687 |
| Less First Home Buyers Assistance Scheme (new or existing home) | −$15,093.50 |
| Mortgage registration fee | $182.73 |
| Transfer registration fee | $182.73 |
| Total government costs | $19,958.96 |
- Meets every condition of the First Home Buyers Assistance Scheme (new or existing home)
- Rules checked against Revenue NSW on 26 October 2026
Buying a $1,200,000 established home to live in
Owner-occupiers who have owned property before, buying in NSW with a home loan.
Transfer duty is $48,187 at the general rates, with no concession at this price.
| Item | Amount |
|---|---|
| Transfer dutyGeneral transfer duty rates 2026/2027 (incl. premium residential rate) | $48,187 |
| Mortgage registration fee | $182.73 |
| Transfer registration fee | $182.73 |
| Total government costs | $48,552.46 |
- General transfer duty rates 2026/2027 (incl. premium residential rate)
- Rules checked against Revenue NSW on 26 October 2026
A temporary visa holder buys a $850,000 new home
Every buyer holds a temporary visa and has never owned property. They buy new because foreign persons generally can't buy established homes until 30 June 2029.
Transfer duty is $32,437 at the general rates, with no concession at this price. The surcharge purchaser duty adds $76,500.
| Item | Amount |
|---|---|
| Transfer dutyGeneral transfer duty rates 2026/2027 (incl. premium residential rate) | $32,437 |
| Surcharge purchaser duty (9%) | $76,500 |
| Mortgage registration fee | $182.73 |
| Transfer registration fee | $182.73 |
| Total government costs | $109,302.46 |
- Surcharge purchaser duty at 9% on the full price
- FIRB application fee not included
- Rules checked against Revenue NSW on 26 October 2026
06Questions
NSW stamp duty questions
How much is stamp duty on a $750,000 home in NSW?
About $27,937 for an established home you will live in, if you are an Australian citizen or permanent resident and not a first home buyer. First home buyers pay $0 on an established home, if they meet the conditions. Land titles fees add about $365.46. Figures checked against Revenue NSW on 26 October 2026.
Do first home buyers pay stamp duty in NSW?
It depends on the price and the property. First Home Buyers Assistance Scheme (new or existing home): No duty up to $800,000. Reduced duty above $800,000 and below $1,000,000; full duty from $1,000,000. First Home Buyers Assistance Scheme (vacant land): No duty up to $350,000. Reduced duty above $350,000 and below $450,000; full duty from $450,000. You must meet every condition, including living in the home.
Do temporary visa holders pay extra stamp duty in NSW?
Yes. Foreign persons pay surcharge purchaser duty of 9% of the dutiable value on top of transfer duty. Foreign persons acquiring residential-related property in NSW, in addition to transfer duty. Separately, foreign persons need FIRB approval and generally can't buy established homes until 30 June 2029.
Is the First Home Owner (New Homes) Grant taken off the stamp duty?
No. Duty is worked out on the full price and the grant is paid separately. In NSW the First Home Owner (New Homes) Grant is $10,000 for new homes and off-the-plan purchases up to $600,000. It is not available for established homes.
Do permanent residents pay the foreign surcharge in NSW?
Usually not, but in NSW a permanent resident can be a foreign person. Permanent residents who were in Australia fewer than 200 days in the previous 12 months, unless they qualify as an exempt permanent resident. Permanent residents ordinarily resident in Australia (200+ days in Australia in the 12 months before the contract).
Is there a stamp duty concession for off-the-plan purchases in NSW?
Off-the-plan duty payment deferral: Owner-occupiers buying off the plan can defer paying transfer duty for up to 12 months (pay at the earliest of 15 months after the contract, settlement, or sale/assignment). Not a reduction in duty. Not available if any purchaser is a foreign person, or for vacant land.
What does NSW Land Registry Services charge?
Transfer registration: $182.73 ($182.73 at $750,000). Mortgage registration: $182.73. Fees include GST and the Torrens Assurance Fund levy. Revenue NSW also charges $20 per duplicate/transfer when stamping.
Other states and territories
Stamp duty in other states
Sources
Revenue NSW, NSW Land Registry Services and FIRB pages behind every figure above, as checked on 26 October 2026.
- General transfer duty rates 2026/2027 (incl. premium residential rate)
- General transfer duty rates 2026/2027 (incl. premium residential rate): official calculator
- First Home Buyers Assistance Scheme
- First Home Buyers Assistance Scheme (new or existing home): official calculator
- First Home Owner (New Homes) Grant
- Surcharge purchaser duty
- Surcharge purchaser duty: official calculator
- Off-the-plan duty payment deferral
- NSW Land Registry Services fees (PDF)
- Residential land
- Banning foreign purchases of established dwellings
Buying in NSW? Talk it through with Sulav
We check the duty, grants and lender policy for your situation before you sign a contract.