NSW stamp duty calculator
Estimate stamp duty in New South Wales for a home, an investment property or commercial premises, using 2026-27 rates from the Revenue NSW.
Estimated stamp duty
$27,937
3.72% of the property value
- Other buying costs
- $0
- Total upfront costs
- $27,937
- Price plus upfront costs
- $777,937
An estimate using 2026-27 rates. Confirm the final amount with your conveyancer or the Revenue NSW calculator.
Check your finance optionsNSW transfer duty is charged on a sliding scale that Revenue NSW indexes to inflation each 1 July. The rates below apply to contracts from 1 July 2026.
What are the current NSW stamp duty rates?
General rates
| Dutiable value | Duty |
|---|---|
| Up to $18,000 | 1.25% of the value |
| $18,001 to $38,000 | $225 plus 1.5% of the value above $18,000 |
| $38,001 to $103,000 | $525 plus 1.75% of the value above $38,000 |
| $103,001 to $387,000 | $1,662 plus 3.5% of the value above $103,000 |
| $387,001 to $1,290,000 | $11,602 plus 4.5% of the value above $387,000 |
| Over $1,290,000 | $52,237 plus 5.5% of the value above $1,290,000 |
Minimum duty $20. Residential property over $3,870,000 pays premium duty of $194,137 plus 7% of the value above $3,870,000.
Are there concessions for homes and first home buyers in NSW?
First home buyers who qualify for the First Home Buyers Assistance Scheme pay no transfer duty on a new or existing home valued up to $800,000, or vacant land up to $350,000. A concessional rate applies to homes valued above $800,000 and below $1 million, and land between $350,000 and $450,000. Revenue NSW calculates the concessional amount, so the calculator shows standard duty in that band and flags that you'll likely pay less.
There's no general concession for owner-occupiers who aren't first home buyers. Residential property above $3,870,000 pays premium property duty of $194,137 plus 7% of the value above that threshold.
How is commercial property treated in NSW?
Commercial and industrial property pays the general transfer duty rates. Premium duty doesn't apply to commercial property, and where a residential property is partly used for business, Revenue NSW applies premium duty only to the residential part. Buying a business can also attract duty on some business assets, so ask your conveyancer whether the contract includes dutiable property.
Do foreign buyers pay more?
Foreign persons buying residential-related property in NSW pay surcharge purchaser duty of 9% of the dutiable value on top of transfer duty, unless an exemption applies.
What does stamp duty cost in NSW? Worked examples
| Purchase | Value | Estimated duty |
|---|---|---|
| Home, owner-occupier (not a first home buyer) | $650,000 | $23,437 |
| Residential investment | $750,000 | $27,937 |
| Residential investment | $1,200,000 | $48,187 |
| Commercial or industrial | $1,500,000 | $63,787 |
| Commercial or industrial | $2,500,000 | $118,787 |
Calculated by FundFox with the calculator above, using 2026-27 rates and no first home buyer concessions. Commercial examples assume no exemption applies.
Where can you confirm the amount?
The Revenue NSW publishes the official rates and its own calculator for New South Wales. Your conveyancer or solicitor will confirm the exact duty before settlement, including any exemption you're eligible for. Our national stamp duty calculator compares every state.
NSW stamp duty calculator: common questions
How much is stamp duty on a $1 million property in NSW?
Using 2026-27 rates, transfer duty on a $1,000,000 property is $39,187: $11,602 plus 4.5% of the $613,000 above $387,000. First home buyers pay full duty at exactly $1 million too, because the concessional band stops just below it.
When are NSW stamp duty rates updated?
Revenue NSW adjusts the transfer duty thresholds each 1 July in line with inflation. The rate year is set by the contract date, or the transfer date if there's no contract, so a contract signed in June uses the previous year's thresholds.
Do I pay stamp duty on commercial property in NSW?
Yes, at the general transfer duty rates, without premium duty. Commercial buyers registered for GST should check how GST affects the dutiable value, because duty is calculated on the consideration, which can include GST.
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