Stamp Duty Calculator NSW
Calculate the transfer duty (stamp duty) payable on your NSW property purchase. Includes first home buyer exemptions, concessions, premium property rates, and foreign buyer surcharge.
Based on current NSW Duties Act 1997 rates — for general guidance only
Calculate Your Stamp Duty
Enter the purchase price or market value of the property
First home buyers may qualify for exemptions or concessions
Different thresholds apply for vacant land purchases
How to Use This Calculator
Enter Property Value
Type the purchase price or market value of the NSW property you are buying. Stamp duty is calculated on the higher of the two values.
Select Your Details
Choose your buyer type (general, first home buyer, or foreign buyer) and property type (established home, new home, or vacant land).
View Your Duty
See the total stamp duty payable with a full breakdown including base duty, any premium duty, first home buyer discounts, or foreign surcharges.
NSW Stamp Duty Rates
| Property Value | Marginal Rate | Rate per $100 |
|---|---|---|
| $0 - $16,000 | 1.25% | $1.25 |
| $16,001 - $35,000 | 1.50% | $1.50 |
| $35,001 - $93,000 | 1.75% | $1.75 |
| $93,001 - $310,000 | 3.50% | $3.50 |
| $310,001 - $1,033,000 | 4.50% | $4.50 |
| Over $1,033,000 | 5.50% | $5.50 |
| Over $3,636,000.00 (residential)Premium | 7.00% | $7.00 |
Rates from the Duties Act 1997, Section 32. Premium rate applies to residential properties only and replaces the 5.5% rate for the portion above the premium threshold.
NSW stamp duty uses a progressive marginal rate system, similar to income tax brackets. Each portion of the property value is taxed at progressively higher rates. Only the amount within each bracket is taxed at that bracket's rate, not the entire property value.
Example: $750,000 property
$16,000 x 1.25% = $200.00$19,000 x 1.50% = $285.00$58,000 x 1.75% = $1,015.00$217,000 x 3.50% = $7,595.00$440,000 x 4.50% = $19,800.00Total duty = $28,895.00Quick Stamp Duty Reference
| Property Value | General Buyer | First Home Buyer | Foreign Buyer |
|---|---|---|---|
| $400,000 | $13,145.00 | Exempt | $45,145.00 |
| $600,000 | $22,145.00 | Exempt | $70,145.00 |
| $800,000 | $31,145.00 | Exempt | $95,145.00 |
| $1,000,000 | $40,145.00 | $40,145.00 | $120,145.00 |
| $1,500,000 | $67,315.00 | $67,315.00 | $187,315.00 |
| $2,000,000 | $94,815.00 | $94,815.00 | $254,815.00 |
Based on established home purchases. First home buyer figures reflect FHBAS exemptions and concessions.
Frequently Asked Questions
What is stamp duty in NSW?
Stamp duty, officially called transfer duty in NSW, is a state government tax paid when you purchase property or land. It is calculated based on the property's sale price or market value (whichever is higher) and uses a progressive rate structure set out in Section 32 of the Duties Act 1997. The rates range from 1.25% on the first $16,000 up to 5.5% on amounts above $1,033,000, with an additional premium rate of 7% for residential properties above the premium threshold.
What stamp duty exemptions are available for first home buyers in NSW?
Under the First Home Buyers Assistance Scheme (FHBAS), eligible first home buyers in NSW pay no stamp duty on homes (new or established) valued up to $800,000 and vacant land up to $350,000. A sliding concession applies for homes valued between $800,001 and $1,000,000, and for vacant land between $350,001 and $450,000. The concession reduces proportionally as the property value approaches the upper cap. You must be an Australian citizen or permanent resident and intend to live in the property for at least 12 continuous months.
What is the foreign buyer surcharge in NSW?
Foreign buyers (individuals who are not Australian citizens or permanent residents) must pay a surcharge purchaser duty of 8% on top of the standard transfer duty when purchasing residential property in NSW. This surcharge applies to the full property value. For example, on a $750,000 property, the surcharge alone would be $60,000, in addition to the standard stamp duty of approximately $28,335.
When is stamp duty payable in NSW?
Stamp duty in NSW must generally be paid within 3 months of the date of the agreement for sale (contract exchange date). If you use a conveyancer or solicitor, they typically arrange payment on or before settlement. Late payment may attract interest and penalties. You can pay online through Revenue NSW, and some lenders allow stamp duty to be added to your home loan (known as capitalising stamp duty).
What is the premium property duty rate in NSW?
For residential properties valued above the premium threshold ($3,636,000 for the 2024-25 financial year), an additional premium rate of $7.00 per $100 applies to the portion of value exceeding the threshold. This premium rate replaces the standard 5.5% marginal rate for the excess portion. The premium threshold is adjusted annually in line with the Consumer Price Index (CPI). This premium rate does not apply to vacant land or commercial properties.
Important Disclaimer
This calculator provides stamp duty estimates for New South Wales property purchases for informational purposes only. It uses the general transfer duty rates from the Duties Act 1997 (Section 32) and current First Home Buyers Assistance Scheme thresholds. Actual duty payable may differ based on factors including the contract date, exact property classification, eligibility for concessions, and any applicable exemptions or relief schemes. The premium property threshold is adjusted annually by CPI. Always verify your stamp duty obligation with Revenue NSW, your conveyancer, or a qualified tax adviser before making financial decisions.