NSW first home buyers pay no transfer duty on a home worth up to $800,000. At $800,000 that saves $30,187 in standard duty.
Includes first home buyer exemptions by property type, foreign buyer surcharge, registration fees, conveyancing, and full upfront cost breakdown.
Optional — enter your savings to see if they cover all upfront costs.
Enter a purchase price and click Calculate to see stamp duty, concessions, and your full upfront cost estimate.
Duty is worked out in bands: each rate applies only to the part of the price inside its band, unless the table says the whole price. Rates from Revenue NSW, for contracts signed from 1 July 2026 to 30 June 2027.
| Purchase Price Range | Duty Calculation |
|---|---|
| $0 – $18,000 | $1.25 per $100 |
| $18,001 – $38,000 | $225 + $1.50 per $100 over $18,000 |
| $38,001 – $103,000 | $525 + $1.75 per $100 over $38,000 |
| $103,001 – $387,000 | $1,662 + $3.50 per $100 over $103,000 |
| $387,001 – $1,290,000 | $11,602 + $4.50 per $100 over $387,000 |
| $1,290,001 – $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 |
The top band is premium property duty, charged on homes (residential land) only. Duty starts at a minimum of $20.
Rates are for contracts signed in 2026–27 and were checked on 19 October 2026. Always confirm the current schedule with Revenue NSW before you sign.
Each state has different rates, thresholds, and first home buyer rules — select your state below.
Buying a car, not a house? Stamp duty on a vehicle is a separate charge with its own rates — use the car stamp duty calculator for NSW.
Paying more to buy in a school zone? The premium raises your stamp duty too — the school zone or school fees calculator weighs it against 13 years of private school fees.
Eligible first home buyers pay no transfer duty on a new or existing home worth up to $800,000. Between $800,000 and $1,000,000 they pay reduced duty, which reaches full duty at $1,000,000. Vacant land bought to build a first home is duty-free up to $350,000, with reduced duty under $450,000. A buyer of a new home worth up to $600,000 may also get the $10,000 First Home Owner (New Homes) Grant.
It is $800,000 for a new or existing home and $350,000 for vacant land. Reduced duty applies under $1,000,000 for a home and under $450,000 for vacant land. These limits have applied to contracts signed since 1 July 2023.
Partly. At $900,000 you get reduced duty, not a full exemption. Standard duty on $900,000 is $34,687 for a contract signed in 2026–27. An eligible first home buyer pays $19,594, a saving of $15,093. The saving shrinks as the price rises and ends at $1,000,000.
$30,187 for a contract signed from 1 July 2026: $11,602 plus $4.50 per $100 of the price over $387,000. An eligible first home buyer pays nothing. A foreign buyer also pays the 9% surcharge, which is $72,000 at this price.
Yes. New and existing homes share the same limits: no duty up to $800,000 and reduced duty under $1,000,000. Vacant land bought to build a first home has its own limits: no duty up to $350,000 and reduced duty under $450,000. Duty on vacant land is charged on the land price, not the cost of building.
No, not on a new purchase. That option, First Home Buyer Choice, closed on 1 July 2023. It was open to contracts signed from 16 January to 30 June 2023. Buyers who opted in then keep paying the annual property tax until they sell.
Yes. Foreign buyers of residential land pay surcharge purchaser duty of 9% of the price, on top of standard transfer duty. The rate rose from 8% on 1 January 2025. On a $1,000,000 home that is $39,187 in transfer duty plus $90,000 surcharge, $129,187 in total. Foreign owners also pay surcharge land tax of 5% of the land value every year, with no tax-free threshold. On land valued at $500,000 that is $25,000 a year.
On top of stamp duty, budget for the fees to register the transfer and the mortgage, conveyancing, a building and pest inspection, and lender fees. The calculator starts with estimates for each, including $1,500 for conveyancing and $600 for an inspection. Replace them with your own quotes.