NSW Stamp Duty · FY26-27 Rates
New South Wales stamp duty calculator.
New South Wales transfer duty, transfer registration and mortgage registration in one place, with first home buyer and foreign buyer rules baked in. FY26-27 rates, verified against Revenue NSW (revenue.nsw.gov.au) in July 2026.
Pop in a price. I'll do the NSW maths. Updated for 2026-27.
RBA rate update · 16 June 2026 applied
1 · Purchase details
2 · Buyer profile
Estimate only. Not legal or financial advice. Government rates can change around 1 July each year. Verify exact figures with the relevant state revenue office before settlement.
Heads up
These figures are a guide for budgeting... not financial or legal advice. Real-world stamp duty can shift depending on how the property is held, whether it's off-the-plan, what your contract actually says, and which concessions you qualify for. Your conveyancer or state revenue office will confirm the final number before settlement.
Talk to me about your purchase →The Rates
NSW transfer duty bands, FY26-27.
One scale for everyone. NSW charges the same transfer duty whether you live in the property or rent it out. Thresholds are CPI-indexed each 1 July; these are the FY26-27 bands.
| Property value | Duty payable | At the top of the band |
|---|---|---|
| $0 to $18,000 | $1.25 per $100 (minimum $20) | $225 |
| $18,000 to $38,000 | $225 plus $1.50 per $100 over $18,000 | $525 |
| $38,000 to $103,000 | $525 plus $1.75 per $100 over $38,000 | $1,663 |
| $103,000 to $387,000 | $1,662 plus $3.50 per $100 over $103,000 | $11,602 |
| $387,000 to $1,290,000 | $11,602 plus $4.50 per $100 over $387,000 | $52,237 |
| $1,290,000 to $3,870,000 | $52,237 plus $5.50 per $100 over $1,290,000 | $194,137 |
| Over $3,870,000 (premium) | $194,137 plus $7.00 per $100 over $3,870,000 | ... |
Owner-occupier scale, established home, before concessions. Figures in the right column are computed by this site's calculator engine and rounded to the nearest dollar. Verified against Revenue NSW (revenue.nsw.gov.au), July 2026.
On $500,000
$16,687
$17,052 with registration fees
On $750,000
$27,937
$28,302 with registration fees
On $1,000,000
$39,187
$39,552 with registration fees
Owner-occupier, established home, no concessions. Estimate only, subject to lender criteria and individual circumstances.
Concessions & Fees
First home buyers: the FHBAS
Buying your first home for $800,000 or less? The First Home Buyers Assistance Scheme wipes the duty entirely. Between $800,000 and $1 million, a concessional rate applies... it ramps from zero at $800,000 up to the full duty at $1 million. On a $900,000 first home, FY26-27 duty works out to around $19,594.
Above $1 million, the concession ends and full transfer duty applies. Eligibility rules (residence requirements, prior ownership) sit with Revenue NSW.
Transfer registration
$182.73
On a $750,000 purchase, FY26-27
Mortgage registration
$182.73
Flat fee per mortgage, FY26-27
Foreign buyer surcharge
9%
Of the value, on top of standard duty
Common Questions
NSW stamp duty, asked and answered.
How much is stamp duty on a $750,000 house in NSW?
For FY26-27, NSW transfer duty on a $750,000 home is $27,937, whether you live in it or rent it out. Transfer registration adds $182.73 and mortgage registration $182.73, so government costs total about $28,302. Eligible first home buyers pay nothing at this price under the FHBAS. Estimate only, subject to your circumstances.
Do first home buyers pay stamp duty in NSW?
Not up to $800,000. The First Home Buyers Assistance Scheme gives a full exemption to $800,000, then a concessional rate from $800,000 to $1 million. On a $900,000 first home, FY26-27 duty is around $19,594. Above $1 million, full duty applies.
Do foreign buyers pay extra stamp duty in NSW?
Yes. NSW adds a 9% surcharge purchaser duty on residential property for foreign buyers, on top of standard transfer duty. On a $750,000 purchase that is an extra $67,500.
Do investors pay a higher rate of stamp duty in NSW?
No. NSW charges the same transfer duty scale for owner-occupiers and investors. What changes for investors is the loan structure and the lender order, which is where I spend my time.
Are NSW stamp duty brackets updated each year?
Yes. NSW indexes its transfer duty thresholds to CPI each 1 July. The figures on this page are the FY26-27 thresholds, verified against Revenue NSW in July 2026.
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