New South Wales Stamp Duty Calculator 2025-26
Calculate transfer duty for property purchases in New South Wales. Includes first home buyer exemptions. Rates verified 2025-07-01.
Property Details
Full exemption up to $800,000. Partial concession $800,001–$999,999. Also eligible for Home Buyer Choice (annual property tax) for properties up to $1.5M.
Foreign buyer surcharge: 9% additional duty applies for non-residents.
Stamp Duty Estimate
Stamp Duty Payable
$28,162
Property Value
$750,000
Effective Rate
3.75%
Rates verified: 2025-07-01 · Official source
This is an estimate only. Consult a conveyancer or the state revenue office for exact figures.
Stamp Duty in New South Wales
New South Wales uses a progressive transfer duty system with rates rising from 1.25% to 7% for premium properties over $3.72M. NSW adjusts the premium duty threshold annually via CPI.
NSW Stamp Duty Rate Table (2025-26)
| Property Value | Marginal Rate | Base Duty |
|---|---|---|
| $0 – $17,000 | 1.25% | — |
| $17,001 – $37,000 | 1.50% | $212 |
| $37,001 – $99,000 | 1.75% | $512 |
| $99,001 – $372,000 | 3.50% | $1,597 |
| $372,001 – $1,240,000 | 4.50% | $11,152 |
| Over $1,240,001 | 5.50% | $50,212 |
Source: www.revenue.nsw.gov.au · Verified: 2025-07-01
First Home Buyer Concessions in New South Wales
NSW first home buyers are exempt from transfer duty on properties up to $800,000. Properties between $800,001 and $999,999 receive a partial concession. Buyers of homes up to $1.5M can also opt into the NSW Home Buyer Choice scheme (annual property tax instead of stamp duty).
Foreign Buyer Surcharge in New South Wales
Foreign buyers (non-residents and temporary visa holders) pay an additional 9% surcharge on top of standard transfer duty in New South Wales. This applies to residential property purchases. Verify current foreign buyer rules with the New South Wales revenue office.
Planning Your New South Wales Property Purchase
Stamp duty is one of the biggest upfront costs when buying property in New South Wales. Make sure you factor it into your savings goal alongside your deposit, conveyancing fees, building inspections, and moving costs. A mortgage broker can help you understand the total cost of purchasing and structure your finance to minimise upfront cash requirements.
Compare Stamp Duty in Other States
Related Tools & Resources
Spotted an error or rate change?
Stamp duty rates change regularly. If you notice an outdated rate, contact us at [email protected].
Official State & Territory Sources
Rates used in this calculator are sourced from each state and territory's official revenue office. Always verify your liability directly with the relevant authority before signing a contract.
Important information
This calculator provides general information only and does not constitute personal financial, legal or tax advice. Results are estimates based on the information you enter and current publicly available rates and thresholds for New South Wales. They do not account for every concession, exemption, surcharge or special case (for example, foreign buyer surcharges, family transfers, off-the-plan concessions or deceased estate transfers).
Stamp duty rates, thresholds and exemptions can change without notice. The calculations on this page are based on 2025–26 rates verified against the New South Wales revenue office. Actual stamp duty payable is determined by the relevant state or territory revenue authority, not by this tool.
Before signing a contract of sale or bidding at auction, you should confirm your exact stamp duty liability with a licensed conveyancer, solicitor, or the relevant state revenue office. WealthWorks Pty Ltd does not guarantee the accuracy, completeness or currency of the information displayed and accepts no liability for decisions made in reliance on these estimates.