Estimate transfer duty on a New South Wales property purchase, with first home buyer rules and worked examples.
Estimate the stamp duty on a residential purchase in any state or territory, with every step shown, first home buyer concessions included, and the same purchase compared across the country.
The tables below show the rates this calculator uses for New South Wales, as at 11 October 2026, from Revenue NSW. Your bracket is highlighted in the calculator above.
| Price (dutiable value) | How duty is calculated |
|---|---|
| Up to $18,000 | $1.25 for each $100 or part of $100 (minimum $20) |
| $18,001 to $38,000 | $225 + $1.50 for each $100 or part of $100 over $18,000 |
| $38,001 to $103,000 | $525 + $1.75 for each $100 or part of $100 over $38,000 |
| $103,001 to $387,000 | $1,662 + $3.50 for each $100 or part of $100 over $103,000 |
| $387,001 to $1,290,000 | $11,602 + $4.50 for each $100 or part of $100 over $387,000 |
| $1,290,001 to $3,870,000 | $52,237 + $5.50 for each $100 or part of $100 over $1,290,000 |
| Over $3,870,000 | $194,137 + $7.00 for each $100 or part of $100 over $3,870,000 |
Under the First Home Buyers Assistance Scheme there is no duty on a new or existing home worth up to $800,000, or on vacant land worth up to $350,000. Duty then reduces on a sliding scale up to $1,000,000 for homes and $450,000 for land. You and your partner must never have owned residential property in Australia and must live in the home for 12 continuous months.
Between $800,000 and $1,000,000 the first home buyer concession is a straight-line estimate on this page. Revenue NSW's own calculator gives the exact figure.
| Price | Owner-occupier and investor | First home buyer (established home) | First home buyer (new home) |
|---|---|---|---|
| $500,000 | $16,687 | $0 | $0 |
| $750,000 | $27,937 | $0 | $0 |
| $1,000,000 | $39,187 | $39,187 | $39,187 |
Figures are calculated from the rates above and rounded to the nearest dollar. "Est." marks a straight-line estimate of a concession.
On an $800,000 purchase, transfer duty is $30,187 for owner-occupiers and investors alike, which is 3.77% of the price. A first home buyer of an established home would pay $0.
Yes. First home buyers pay no duty up to $800,000 for homes (and $350,000 for vacant land), with a reduced amount above that up to $1,000,000.
It uses the rates published by Revenue NSW, as at 11 October 2026, and shows each step so you can check it. It does not include foreign purchaser surcharges, pensioner or senior concessions, off-the-plan concessions, family transfers or registration fees. Rates and concessions can change, often from 1 July, so confirm your figure with the official calculator before you sign a contract.
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South Australia stamp duty, first home buyer rules and examples.
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Australian Capital Territory conveyance duty, first home buyer rules and examples.
Northern Territory stamp duty, first home buyer rules and examples.
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General information only, not financial advice. Check important figures with the relevant authority or a licensed adviser before you act.