New South Wales Stamp Duty Calculator
NSW 2026

Transfer duty in New South Wales is calculated on a progressive rate structure — the higher the property value, the higher the marginal rate. The duty is applied on the purchase price or the market value of the property, whichever is higher.

Full exemption on properties up to $800,000. Partial concession for properties valued between $800,001 and $1,000,000. Applies to both new and established homes.

To be eligible for the NSW first home buyer stamp duty concession, you must:

• Be an Australian citizen or permanent resident
• Never have previously owned residential property in Australia or overseas
• Intend to occupy the property as your principal place of residence
• Move into the property within 12 months of settlement
• Live in the property for a continuous period of at least 12 months

NSW was one of the first states to extend the FHB exemption to both new and established homes — a major change from earlier rules that only covered new builds.

Transfer duty in New South Wales is calculated on the higher of the purchase price or the market value of the property. You can't reduce your duty liability by agreeing on a below-market purchase price — the state revenue office can independently assess market value.

The calculation follows a progressive bracket system — similar to income tax. You pay the applicable rate only on the portion of value within each band. This means a property valued at $600,000 does not attract the higher rate on the entire value — only on the portion that exceeds the lower bands.

• Conveyancing / solicitor fees — typically $1,500–$3,500 in NSW
• Building and pest inspection — $400–$800
• Lenders Mortgage Insurance (LMI) — if your deposit is under 20%, LMI can cost $8,000–$30,000+
• Loan establishment fees — $0–$800 depending on lender
• Title search and registration fees — $200–$600
• Building insurance — from settlement day, you're responsible for insuring the property