Tools · NSW stamp duty
How much stamp duty will you pay?
Estimate NSW transfer duty, including the first home buyer exemption or concession, the foreign purchaser surcharge and the First Home Owner Grant.
Your purchase
$
Duty is charged on the higher of the price and the market value.
What are you buying?
First home buyer?
See the eligibility checklist below. You must move in within 12 months and live there for 12 months.
Adds the 9% surcharge on that share.
Sets which year’s rates apply.
Estimated stamp duty
$0
Breakdown
Estimate only. It does not include land registry fees, conveyancing or loan costs. Confirm with the Revenue NSW calculators before you exchange. Not legal or financial advice.
First home buyer checklist (contracts from 1 July 2023)
- Full exemption for homes up to $800,000; concession above that and below $1 million. Vacant land: exempt up to $350,000, concession below $450,000.
- You are an individual aged 18 or over (not a company or trust), and at least one buyer is an Australian citizen or permanent resident.
- Neither you nor your spouse or partner has owned residential property in Australia before, or received this exemption or concession.
- For a home: move in within 12 months of settlement and live there for at least 12 continuous months.
- The first home buyer scheme does not remove the foreign purchaser surcharge.
- First Home Owner Grant: $10,000 for a new home up to $600,000, or land plus a building contract up to $750,000.
Transfer duty rates
Sources (checked 18 Oct 2026): Revenue NSW — How to calculate transfer duty · First Home Buyers Assistance Scheme · Surcharge purchaser duty · First Home Owner (New Homes) Grant.
HRIX Pty Ltd · Estimates only. Not legal, tax or financial advice.