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Estimate your Transfer Duty payable in New South Wales based on 2026 indexed rates. Includes First Home Buyer concessions and foreign resident surcharges.
Transfer Duty (Stamp Duty) can be one of the largest upfront costs in a property purchase. Use this calculator to estimate your liability and understand available concessions before you commit.
Stamp duty — officially called Transfer Duty — is a state government tax payable when you purchase property in New South Wales. The amount depends on the purchase price, your buyer status and whether the property is residential, commercial or vacant land.
NSW uses a progressive bracket system. Below are the current indexed rates used in this calculator:
| Property Value | Rate |
|---|---|
| $0 – $17,000 | $1.40 per $100 |
| $17,001 – $36,000 | $238 + $3.50 per $100 over $17,000 |
| $36,001 – $97,000 | $903 + $4.50 per $100 over $36,000 |
| $97,001 – $364,000 | $3,648 + $4.75 per $100 over $97,000 |
| $364,001 – $1,212,000 | $16,330 + $5.00 per $100 over $364,000 |
| Over $1,212,000 | $58,730 + $5.50 per $100 over $1,212,000 |
If you're a first home buyer purchasing a new or existing home in NSW, you may be eligible for significant stamp duty savings. Properties valued at $800,000 or less are fully exempt from transfer duty. Properties between $800,000 and $1,000,000 receive a graduated partial concession. Above $1,000,000, standard rates apply in full.
Foreign purchasers (non-Australian citizens/permanent residents) are subject to an additional 8% surcharge on the property value, payable on top of the standard transfer duty amount.
Beyond stamp duty, property buyers should budget for legal/conveyancing fees, building and pest inspections, mortgage registration fees and lenders mortgage insurance (if applicable). Use our Mortgage Repayment Calculator to estimate your ongoing loan costs, or check your borrowing capacity to understand your total budget.