NSW Stamp Duty (New South Wales) — 2026–27 Guide

In NSW, transfer duty (stamp duty) is charged by Revenue NSW on the dutiable value of the property — usually the contract price. The same general rates apply whether you live in the home or rent it out; the big difference is the First Home Buyers Assistance Scheme.

Quick action: Calculate NSW stamp duty and government fees

NSW stamp duty at common prices (2026–27)

Price	Home you’ll live in	First home buyer (established)
$400,000	$12,187	$0
$500,000	$16,687	$0
$600,000	$21,187	$0
$750,000	$27,937	$0
$1,000,000	$39,187	$39,187
$1,500,000	$63,787	$63,787

Calculated with the MoneyWiseCalc stamp duty engine (rules version 1.2.0, checked against Revenue NSW on 30 September 2026). First home buyer columns assume you meet every eligibility rule. Figures exclude registration fees.

NSW rates

NSW indexes its duty brackets every 1 July. Duty is charged per $100 or part of $100, with a minimum of $20.

Dutiable value	Duty
Up to $18,000	$1.25 per $100
$18,000 – $38,000	$225 + $1.50 per $100 over $18,000
$38,000 – $103,000	$525 + $1.75 per $100 over $38,000
$103,000 – $387,000	$1,662 + $3.50 per $100 over $103,000
$387,000 – $1,290,000	$11,602 + $4.50 per $100 over $387,000
$1,290,000 – $3,870,000	$52,237 + $5.50 per $100 over $1,290,000
Over $3,870,000	$194,137 + $7.00 per $100 over $3,870,000

First home buyers in NSW

Under the First Home Buyers Assistance Scheme, eligible first home buyers of a new or existing home pay no transfer duty up to $800,000 and a reduced amount between $800,000 and $1 million. In that band, duty rises in a straight line from $0 at $800,000 to the full duty at $1 million: duty = (price − $800,000) × duty on $1m ÷ $200,000. At $900,000 that is $19,594 (Revenue NSW’s own calculator gives $19,593.50). Vacant land has lower thresholds, and you must meet residence and occupancy rules — check Revenue NSW before you sign.

Foreign buyers

Foreign persons buying residential land pay surcharge purchaser duty on top of transfer duty. Check the current rate and exemptions with Revenue NSW — the calculator’s Foreign buyer option includes it.

Registration fees and total government costs

NSW Land Registry Services charges $182.73 to register the transfer and $182.73 to register a mortgage (2026–27). Both are flat fees, whatever the price. At $600,000 that makes total government costs of $21,552 for a home you’ll live in (duty plus both fees). See stamp duty fees vs total government costs to compare states.

When is NSW stamp duty paid?

Duty is generally payable within 3 months of the contract (or transfer) date, and your conveyancer usually pays it at settlement.

Examples

$750,000 home you’ll live in

Duty $27,937 + fees $365.46 = $28,302 in government costs.

First home buyer, $900,000 existing home

Full duty would be $34,687; the scheme reduces it to $19,594 — a saving of $15,093.

Frequently asked questions

How much is stamp duty on a $600,000 home in NSW?

$21,187 in 2026–27 (no first home buyer relief). An eligible first home buyer pays $0.

Do NSW first home buyers pay stamp duty?

Not on a new or existing home up to $800,000 if they meet the scheme’s rules; between $800,000 and $1 million they pay a reduced amount, and from $1 million the full rate.

Is stamp duty higher for investors in NSW?

No — the same general rates apply. Investors simply can’t use first home buyer relief.

Sources

• Revenue NSW – Transfer duty
• Revenue NSW – How to calculate transfer duty
• Revenue NSW – First Home Buyers Assistance Scheme
• NSW Land Registry Services – Fees

Related guides

• Stamp duty in Australia — every state compared
• First home buyer stamp duty by state
• Can I Buy This Home? — duty, fees, LMI and cash needed in one estimate

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Important: General information only. Duty depends on eligibility, property type and the contract details. Confirm the final amount with your conveyancer and Revenue NSW.