NSW Stamp Duty Calculator
This is an estimate based on the general NSW transfer duty scale and a simplified first-home concession taper. Always confirm with Revenue NSW or your conveyancer before signing contracts.
What this NSW stamp duty calculator does
This calculator gives a quick estimate of transfer duty (often called “stamp duty”) for property purchases in New South Wales. Enter your purchase price, choose your buyer type, and optionally include the foreign purchaser surcharge. You’ll instantly see a duty breakdown and estimated total payable.
It is designed for planning, budgeting, and comparing properties before you buy. If you are preparing to exchange contracts, treat this as a guide and verify final figures with a professional.
How NSW transfer duty is calculated
NSW uses a tiered rate system. As property value increases, only the amount in each bracket is charged at that bracket’s rate. The calculator applies the following general scale:
| Dutiable value | Duty calculation |
|---|---|
| $0 – $14,000 | $1.25 for every $100 (1.25%) |
| $14,001 – $30,000 | $175 + $1.50 per $100 over $14,000 |
| $30,001 – $81,000 | $415 + $1.75 per $100 over $30,000 |
| $81,001 – $304,000 | $1,307 + $3.50 per $100 over $81,000 |
| $304,001 – $1,013,000 | $9,112 + $4.50 per $100 over $304,000 |
| Over $1,013,000 | $41,017 + $5.50 per $100 over $1,013,000 |
First home buyer concession (estimate)
If you choose “First home buyer,” this tool applies a simplified concession model used for quick budgeting:
- Up to $800,000: full exemption (duty estimated as $0)
- $800,001 to $999,999: concessional taper
- $1,000,000 and above: full duty applies
Eligibility depends on your circumstances, property type, and current government rules. Always check official criteria before relying on the concession.
Foreign purchaser surcharge
If applicable, foreign purchasers can be charged an additional surcharge duty on residential property. The checkbox in this calculator adds an 8% surcharge to the purchase price and includes it in your total.
Why this matters for your budget
Stamp duty is one of the largest upfront costs when buying real estate in NSW. It can significantly affect:
- How much cash you need at settlement
- Your deposit strategy
- Whether you can afford lender fees, legal costs, and moving expenses
- Your decision between similar properties at different prices
Quick planning tip
When comparing two properties, calculate total acquisition cost, not just the sticker price. A slightly cheaper home may save much more once duty is included.
Frequently asked questions
Is stamp duty the same as transfer duty?
In everyday language, yes. In NSW legislation, the formal term is usually transfer duty.
Does this include legal and registration fees?
No. This page estimates duty only (plus optional foreign surcharge). Conveyancing fees, title registration fees, lender charges, and inspections are separate.
Are rates always fixed?
Government thresholds and rules can change. Always verify current rates before making a final decision.
Final note
Use this NSW stamp duty calculator early in your search so there are no surprises at contract time. It’s a practical way to set a realistic purchase budget and move forward with confidence.