NSW stamp duty calculator
NSW calls it transfer duty. This works it out at the rates for contracts signed from 1 July 2026, the same way Revenue NSW does.
Stamp duty payable
$30,187
General rates
- Transfer duty at the general rates
- $30,187
An estimate. The rates are the ones in force on the date you sign the contract. Rates checked against Revenue NSW on 13 October 2026. Your conveyancer or Revenue NSW's own calculator gives the amount you pay.
What changes the answer
- First home buyers
- No duty on a new or existing home up to $800,000, and reduced duty up to $1,000,000. For vacant land to build on, no duty up to $350,000 and reduced duty up to $450,000. You must move in within 12 months of settlement and live there for at least 12 months in a row. Source
- Investors
- Pay the same general rates as people buying a home to live in. NSW has no separate investor rate. Source
- Foreign buyers
- Pay surcharge purchaser duty of 9% of the price on top of transfer duty. Source
- When it is paid
- Within 3 months of signing the contract, or at settlement if that is sooner. Off the plan, an owner-occupier may be able to pay up to 12 months later; the amount does not change. Source
The rates
General rates, contracts from 1 July 2026
| Price | Duty |
|---|---|
| Up to $18,000 | $1.25 for every $100 |
| $18,000 to $38,000 | $225 plus $1.50 for every $100 over $18,000 |
| $38,000 to $103,000 | $525 plus $1.75 for every $100 over $38,000 |
| $103,000 to $387,000 | $1,662 plus $3.50 for every $100 over $103,000 |
| $387,000 to $1,290,000 | $11,602 plus $4.50 for every $100 over $387,000 |
| $1,290,000 to $3,870,000 | $52,237 plus $5.50 for every $100 over $1,290,000 |
| Over $3,870,000 | $194,137 plus $7.00 for every $100 over $3,870,000 |
The top band is the premium rate, which applies to residential property only. The minimum duty is $20.
Checked against Revenue NSW's own examples
Revenue NSW publishes worked examples. Here is each one, the total it gives, and what this calculator gives for the same purchase.
| Example | Revenue NSW | This calculator |
|---|---|---|
| Bought at auction for $1,350,000 | $55,537 | $55,537 |
| $4,000,000 home, premium rate | $203,237 | $203,237 |
| Market value of $450,000 | $14,437 | $14,437 |
| $1,000,000 home, foreign buyer: 9% surcharge | $129,187 | $129,187 |
Buying in Sydney? Compare buyer's agents in Sydney
Sources
- Revenue NSW, Calculate transfer duty
- Revenue NSW, First home buyers
- Revenue NSW, What is surcharge purchaser duty
- Revenue NSW, Off-the-plan property purchases
Every rate here is read from these pages. A check re-reads them each week and tells us when one changes.