NSW First Home Buyer Stamp Duty
Calculate stamp duty concessions and exemptions for first home buyers in New South Wales. Updated for 2025-26.
NSW First Home Buyer Eligibility
You (or your partner) must not have previously owned residential property in Australia.
Residency: Must live in property within 12 months for 12 continuous months
The property must be used as your principal place of residence.
NSW FHB Concession Thresholds
Homes — Full Exemption
$800,000
Concession ceiling: $1,000,000
Vacant Land — Full Exemption
$350,000
Concession ceiling: $450,000
How Much Could You Save as a First Home Buyer?
Compare standard duty vs. first home buyer duty at common NSW price points.
| Price | Standard Duty | FHB Duty | Saving |
|---|---|---|---|
| $400K | $12,412 | $0 (exempt) | $12,412 |
| $500K | $16,912 | $0 (exempt) | $16,912 |
| $600K | $21,412 | $0 (exempt) | $21,412 |
| $750K | $28,162 | $0 (exempt) | $28,162 |
| $1M | $39,412 | $39,412 | — |
NSW First Home Owner Grant (FHOG)
Grant Amount
$10,000
Eligibility
New homes only
Value cap: Varies by region
The FHOG is a one-off payment from the New South Wales government to help first home buyers with the cost of purchasing a new home. It is separate from stamp duty concessions and can be claimed in addition to any duty exemption or reduction.
NSW First Home Buyer FAQ
Do first home buyers pay stamp duty in NSW?
First home buyers in NSW can receive a full stamp duty exemption on properties up to $800,000. A sliding-scale concession applies between $800,000 and $1,000,000.
What is the NSW First Home Owner Grant?
The NSW FHOG is a $10,000 grant for eligible first home buyers purchasing new homes valued up to the applicable cap. It is paid in addition to any stamp duty concession.
Can I get a stamp duty exemption on vacant land as a first home buyer in NSW?
Yes. First home buyers in NSW can receive a full exemption on vacant land valued up to $350,000. A concession applies up to $450,000.
What are the eligibility requirements for NSW first home buyer concessions?
Key requirements include: you must not have previously owned property in Australia, the property must be your principal place of residence, and you must be an Australian citizen or permanent resident.
More NSW Stamp Duty Pages
NSW Calculator
View full calculator →NSW Foreign Buyer
View surcharge rates →Compare All States
Compare duty side by side →First Home Buyer Guide
Read the full guide →Duty on $500,000
FHB duty: $0 (exempt)
Duty on $600,000
FHB duty: $0 (exempt)
Duty on $750,000
FHB duty: $0 (exempt)