NSW Stamp Duty Calculator
Calculate transfer duty in New South Wales for owner-occupiers, investors, first home buyers, and foreign purchasers. Updated for 2026-27 rates.
NSW Quick Facts
Official Term
Transfer duty
Payment Timing
Within 3 months of contract exchange (or at settlement, if earlier)
FHB Threshold
$800,000 full exemption
Foreign Surcharge
9%
Key Rule
Premium duty above $3.87M
Current NSW Transfer duty Rates
NSW uses 6 marginal brackets ranging from $1.25 per $100 (on the first $18,000) to $5.50 per $100 (on amounts between $1.29M and $3.87M). Residential property above $3,870,000 attracts premium duty at $7.00 per $100 on the excess.
Duty Rates
| Value Range | Base Duty | Rate |
|---|---|---|
| $0 – $18,000 | $0 | $1.25 per $100 |
| $18,001 – $38,000 | $225 | $1.50 per $100 |
| $38,001 – $103,000 | $525 | $1.75 per $100 |
| $103,001 – $387,000 | $1,662 | $3.50 per $100 |
| $387,001 – $1,290,000 | $11,602 | $4.50 per $100 |
| $1,290,001 – $3,870,000 | $52,237 | $5.50 per $100 |
Premium property duty applies above $3,870,000 at $7.00 per $100 on the excess. This threshold is CPI-indexed annually.
Source: https://www.revenue.nsw.gov.au/taxes-duties-levies-royalties/transfer-duty. Effective from 2026-07-01.
First Home Buyer Rules in New South Wales
NSW offers the First Home Buyers Assistance Scheme (FHBAS). Homes up to $800,000 receive a full stamp duty exemption. Between $800,000 and $1,000,000, duty is reduced on a sliding scale. Vacant land thresholds are $350,000 (full exemption) and $450,000 (ceiling). A $10,000 FHOG is available for new homes valued up to $600,000 ($750,000 for house and land packages).
Homes — Full Exemption
$800,000
Concession ceiling: $1,000,000
Vacant Land — Full Exemption
$350,000
Concession ceiling: $450,000
First Home Owner Grant
$10,000
New homes only
Foreign Buyer Surcharge in New South Wales
Foreign buyers in NSW pay a 9% surcharge on the dutiable value of residential property, in addition to standard transfer duty. The surcharge increased from 8% to 9% from 1 January 2025.
Surcharge Rate
9%
Applies To
residential
Calculated On
Full dutiable value
Special Rules for New South Wales
Premium property duty applies above $3,870,000 in 2026-27 at $7.00 per $100.
Off-the-plan purchases receive a duty deferral (not reduction) of up to 12-15 months.
The NSW surcharge rate increased from 8% to 9% effective 1 January 2025.
Stamp Duty at Popular Prices in NSW
See how much duty you would pay at common New South Wales property prices.
NSW Stamp Duty FAQ
How much is stamp duty in NSW?
NSW stamp duty ranges from $1.25 to $5.50 per $100 across 6 brackets. For example, on a $750,000 property, an owner-occupier would pay approximately $27,937 in transfer duty. Premium duty applies above $3.87M.
Do first home buyers pay stamp duty in NSW?
First home buyers in NSW can receive a full exemption on properties up to $800,000. Between $800,000 and $1,000,000, a sliding scale concession applies. Above $1,000,000, no concession is available.
What is the NSW foreign buyer surcharge?
Foreign purchasers pay an additional 9% surcharge on the dutiable value of residential property in NSW. This is on top of standard transfer duty.
When do you pay stamp duty in NSW?
In NSW, transfer duty must be paid within 3 months of the contract date or at settlement, whichever comes first. Late payment may attract interest charges.
What is NSW premium property duty?
Properties valued above $3,870,000 in NSW attract premium duty at $7.00 per $100 on the amount above the threshold in 2026-27. This threshold is CPI-indexed annually and applies only to residential property.
Can I add stamp duty to my mortgage in NSW?
Yes, some lenders allow you to capitalise stamp duty into your home loan, but this increases your loan amount and total interest paid. You'll also need to meet the lender's LVR requirements for the larger loan.