NSW Stamp Duty Calculator
In NSW, transfer duty is calculated progressively on dutiable value. Eligible first home buyers pay $0 duty under the First Home Buyers Assistance Scheme (FHBAS) on homes valued up to $800k.
NSW Transfer Duty Calculator
Estimate stamp duty and transfer registration fees for properties in New South Wales.
infoNew South Wales — Regulated by Revenue NSW
Are you an eligible First Home Buyer?
Access exemptions or concessional rates in your state
Are you a Foreign / Non-resident Buyer?
Subject to 7%–8% Foreign Purchaser Duty Surcharge
Effective duty rate: 3.69% of property value
In NSW, eligible first home buyers pay zero stamp duty on properties up to $800,000 under the First Home Buyers Assistance Scheme (FHBAS).
Official New South Wales Stamp Duty Tax Brackets
Standard progressive transfer duty schedule legislated by Revenue NSW.
| Dutiable Value Bracket | Base Amount | Marginal Rate (over lower threshold) |
|---|---|---|
| $0 to $18,000 | $0 | $1.25 per $100 (min $20) |
| $18,001 to $38,000 | $225 | $1.50 per $100 over $18,000 |
| $38,001 to $103,000 | $525 | $1.75 per $100 over $38,000 |
| $103,001 to $387,000 | $1,662 | $3.50 per $100 over $103,000 |
| $387,001 to $1,290,000 | $11,602 | $4.50 per $100 over $387,000 |
| $1,290,001 to $3,870,000 | $52,237 | $5.50 per $100 over $1,290,000 |
| Over $3,870,000 (Premium) | $194,137 | $7.00 per $100 over $3,870,000 |
NSW First Home Buyers Assistance Scheme (FHBAS)
Administered by Revenue NSW
Revenue NSW provides comprehensive transfer duty exemptions and concessions to eligible first home buyers purchasing new homes, existing dwellings, or vacant land.
Other Government Costs in New South Wales
Transfer of Land Fee
NSW Land Registry Services (LRS) charges a flat transfer fee of approximately $183 at settlement.
Mortgage Registration
Mortgage registration fee is a flat charge of approximately $183 to register your bank’s security.
Foreign Surcharge
Foreign purchasers in NSW must pay an additional 8% Purchaser Surcharge Duty on residential property.
How All 8 Australian States & Territories Compare
Stamp duty rates differ significantly across Australia. Compare what the same purchase costs in every jurisdiction.
| State / Territory | Net Stamp Duty | Concessions | Transfer & Reg. Fees | Total Government Cost | Details |
|---|---|---|---|---|---|
| NSW New South WalesRevenue NSW | -- | -- | -- | -- | View NSW |
| VIC VictoriaState Revenue Office (SRO) Victoria | -- | -- | -- | -- | View VIC |
| QLD QueenslandQueensland Revenue Office (QRO) | -- | -- | -- | -- | View QLD |
| WA Western AustraliaRevenueWA | -- | -- | -- | -- | View WA |
| SA South AustraliaRevenueSA | -- | -- | -- | -- | View SA |
| TAS TasmaniaState Revenue Office Tasmania | -- | -- | -- | -- | View TAS |
| ACT Australian Capital TerritoryACT Revenue Office | -- | -- | -- | -- | View ACT |
| NT Northern TerritoryTerritory Revenue Office (TRO) | -- | -- | -- | -- | View NT |
Note: Some states such as South Australia and the ACT provide uncapped or complete exemptions for eligible first home buyers under specific conditions, while states like Victoria and NSW have sliding thresholds up to $750k and $1M respectively.
Frequently Asked Questions
Clear answers to critical questions about Australian stamp duty, concessions, and property purchasing costs.
What is stamp duty (transfer duty) in Australia?expand_more
How is stamp duty calculated?expand_more
Who pays stamp duty and when is it due?expand_more
How do First Home Buyer exemptions and concessions work?expand_more
Can stamp duty be added to my home loan mortgage?expand_more
What are Property Transfer Fees and Mortgage Registration Fees?expand_more
What is the Foreign Buyer Stamp Duty Surcharge?expand_more
Do owner-occupiers pay less stamp duty than property investors?expand_more
Have a specific question about your purchase?
Always check official state guidelines with Revenue NSW, SRO Victoria, Queensland Revenue Office, or consult your licensed conveyancer or property solicitor before settlement.