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Transfer duty in New South Wales at the 2026-27 rates, with the First Home Buyers Assistance Scheme applied where it fits. Change the price and the result updates.
Live calculation — results update instantly as you change inputs.
| Dutiable value | Duty |
|---|---|
| $0 – $18,000 | $1.25 per $100 (minimum $20) |
| $18,001 – $38,000 | $225 plus $1.50 per $100 over $18,000 |
| $38,001 – $103,000 | $525 plus $1.75 per $100 over $38,000 |
| $103,001 – $387,000 | $1,662 plus $3.50 per $100 over $103,000 |
| $387,001 – $1,290,000 | $11,602 plus $4.50 per $100 over $387,000 |
| Over $1,290,000 | $52,237 plus $5.50 per $100 over $1,290,000 |
Rates are indexed to CPI each 1 July. A premium rate of $7.00 per $100 applies to residential property above $3,870,000. Foreign purchasers pay an additional 9 per cent surcharge. Source: Revenue NSW, verified November 2026.
The table below applies the First Home Buyers Assistance Scheme to the prices first home buyers in NSW most often ask about. The calculator above does the same for any price.
| Purchase price | Standard transfer duty | Eligible first home buyer pays |
|---|---|---|
| $650,000 | $23,437 | Nil |
| $800,000 | $30,187 | Nil |
| $850,000 | $32,437 | $8,109 |
| $900,000 | $34,687 | $17,344 |
| $950,000 | $36,937 | $27,703 |
| $1,000,000 | $39,187 | $39,187 |
| $1,200,000 | $48,187 | $48,187 |
The rules behind these figures, the residence requirement and the cases where the concession is lost are set out on first home buyer stamp duty concessions in NSW.
Not on a home valued at $800,000 or less, provided they meet the First Home Buyers Assistance Scheme rules. Between $800,001 and $999,999 duty is reduced on a sliding scale. From $1,000,000 the full amount applies.
No. Since 1 July 2023 the same thresholds apply to new and existing homes. Before then new homes had higher thresholds, which is why older articles still quote different figures.
At least 12 continuous months, starting within 12 months of settlement. Renting the property out inside that period means the duty becomes payable.
The $10,000 grant is a separate scheme for new homes within its own price caps. You can receive both if you qualify for both, and neither depends on the other.
No. If your spouse or de facto partner has owned residential property in Australia, or has received the scheme before, you are not eligible even if they are not on the contract.
It ends. The concession applies to dutiable values below $1,000,000, so a purchase at $1,000,000 pays full duty. Where a price is negotiated close to the line, that cliff is worth knowing before the contract is exchanged.
Duty is one of four upfront costs, and the lender's assessment of your borrowing power is a separate test from any concession. A short conversation is usually enough to see where a purchase at your price would land on both.
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