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NSW Stamp Duty Calculator

Calculate stamp duty (transfer duty) in New South Wales. First home buyers may be exempt on properties up to $800,000.

Data stays on your deviceATO sourced data

Calculate stamp duty for property purchases in New South Wales. NSW calls it 'transfer duty' and charges rates from 1.25% to 7% depending on property value.

  • First home buyers are fully exempt on properties up to $800,000
  • Concession rates apply between $800,000 and $1,000,000
  • Foreign buyer surcharge is 8% on top of standard duty
  • Off-the-plan purchases may qualify for a duty reduction

Disclaimer

This calculator provides estimates for general information purposes only. Results should not be relied upon as professional financial, tax, or legal advice. Tax rates and thresholds are based on publicly available ATO data and may change. Always consult a qualified tax agent or financial adviser for advice specific to your circumstances.

Frequently Asked Questions

How much is stamp duty on a $800,000 property in NSW?
On an $800,000 property in NSW, a standard buyer pays approximately $31,335 in transfer duty. However, first home buyers purchasing a property at exactly $800,000 or below are fully exempt from stamp duty in NSW. This exemption saves first home buyers over $31,000 on a property at this price point.
Do first home buyers pay stamp duty in NSW?
First home buyers in NSW are fully exempt from stamp duty on properties valued up to $800,000. For properties between $800,000 and $1,000,000, a sliding concession applies — you pay a reduced rate that increases as the price approaches $1,000,000. Above $1,000,000, first home buyers pay the standard rate with no concession. The property must be a new or existing home (not vacant land for this threshold).
What is the foreign buyer surcharge in NSW?
Foreign buyers in NSW pay an additional 8% surcharge on top of standard stamp duty. This applies to foreign nationals, temporary visa holders, and foreign-owned companies purchasing residential property. On a $1,000,000 property, this adds $80,000 to the duty bill. The surcharge has been in place since 2016 and applies to all residential property purchases by foreign persons.
When is stamp duty due in NSW?
In NSW, stamp duty (transfer duty) must be paid within 3 months of signing the contract for sale. In practice, most buyers pay at settlement through their solicitor or conveyancer. If duty is not paid within the 3-month window, interest and penalties may apply. Your conveyancer will typically handle the payment through Revenue NSW as part of the settlement process.
Is stamp duty tax deductible in NSW?
Stamp duty is not tax deductible for your principal residence. However, for investment properties, stamp duty is added to the property's cost base for capital gains tax (CGT) purposes, reducing your capital gain when you eventually sell. It cannot be claimed as an annual tax deduction against rental income. This treatment applies in all states, not just NSW.

What is NSW Stamp Duty?

Stamp duty in NSW (officially called transfer duty) is a state tax paid when you purchase property. It's calculated on a progressive bracket system, similar to income tax — you pay higher rates on higher portions of the property value.

How this calculator works

This calculator applies the current NSW Revenue Office bracket rates to your property purchase price. Rates start at 1.25% for the first $16,000 and increase progressively to 7% for properties over $3.505 million. First home buyer exemptions are applied automatically when selected — full exemption up to $800,000, and a sliding concession between $800,000 and $1,000,000. The foreign buyer surcharge of 8% is added for overseas purchasers.

All calculations are performed in your browser — your data never leaves your device. Results are for general guidance only and should not be considered professional financial advice.

Built and maintained by Konstantin Iakovlev. Data sourced from the ATO and official Australian government sources.

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