NSW Stamp Duty Calculator
Calculate transfer duty and first home buyer concessions on NSW property purchases
Stamp duty (officially called transfer duty in NSW) is a state government tax on property purchases. It’s one of the largest upfront costs of buying a home and is generally payable within three months of the contract date. Use this calculator to estimate your NSW stamp duty and check if you qualify for first home buyer concessions.
NSW Transfer Duty Calculator
Always confirm the figures with Revenue NSW
Transfer duty brackets, first home buyer thresholds and concession rules are set by the NSW Government and are revised from time to time. The calculator above is an estimate to help you budget. Revenue NSW is the authority for the current figures and for whether you qualify.
How NSW Transfer Duty Is Calculated
Transfer duty in NSW is worked out on a sliding scale against the dutiable value of the property, which is the greater of what you paid and what the property is worth. The scale is progressive: each bracket applies a set percentage to the portion of value that falls above that bracket’s threshold, plus a fixed amount carried over from the brackets below it. That is why duty rises faster than the purchase price does. Duty is assessed on the property itself, so items that are not fixtures are generally excluded, and foreign purchasers can be liable for an additional surcharge on residential property. Because the brackets and thresholds are periodically revised, this page does not reproduce the scale — Revenue NSW publishes the current thresholds and rates and its calculator is the authoritative check.
First Home Buyer Stamp Duty Exemptions NSW
The First Home Buyers Assistance Scheme can remove transfer duty altogether for eligible first home buyers below a set property value, and reduce it on a sliding basis across a band above that value. Eligibility generally turns on the dutiable value of the property, whether any buyer has previously owned residential property in Australia, whether at least one buyer is an Australian citizen or permanent resident, and a requirement to move in within a set period after settlement and live there for a minimum time. Separate assistance can apply to newly built homes and vacant land. The value limits and the fine print change, so check the current thresholds and your eligibility on the Revenue NSW First Home Buyers Assistance Scheme page before you commit to a budget.
Plan Your Property Purchase
SB Finance helps you plan the full cost of buying a home — including stamp duty, legal fees, and loan costs. Phone: 1300 17 2346
Disclaimer: This calculator is provided as a general guide only and the results are estimates, not a quote or an offer of credit. We cannot guarantee the accuracy or currency of the figures it produces. Tax rates, stamp duty thresholds, lender rates and government rules change regularly, and the calculator may be based on outdated information. Always confirm current figures with a qualified professional or the relevant authority before making any financial decision. SB Finance (AUST) Pty Ltd accepts no liability for any reliance placed on these results.