Calculate NSW transfer duty (stamp duty), deposit required, and estimated total cash needed to buy a property in NSW.
Uses current 2025/26 NSW Revenue rates. Results update instantly.
Property Details
Buyer Status
Concession applies to owner-occupied residential properties. Full exemption under $800,000; sliding scale $800,001–$1,000,000.
An additional 8% foreign surcharge applies to residential land purchases by foreign persons.
Deposit & Other Costs
Typically $1,500–$3,000 in NSW.
Transfer duty is calculated using 1 July 2025 NSW Revenue rates. These are estimates only — actual duty is assessed by NSW Revenue at settlement. Other costs are indicative. Verify current rates →
Search any suburb to view recorded sale prices from the NSW Valuer General — the official source behind this calculator's suburb data.
How much is NSW stamp duty on a $750,000 property?
For a standard residential purchase at $750,000 (non-first-home-buyer), NSW transfer duty is approximately $27,765 based on current 2025/26 rates. First home buyers pay zero duty on this price. Use the calculator above for your exact scenario.
Do first home buyers pay stamp duty in NSW?
First home buyers purchasing an owner-occupied residential property pay no transfer duty on purchases up to $800,000. For purchases between $800,001 and $1,000,000, a sliding-scale concession applies — duty increases proportionally from $0 to the full standard amount. Above $1,000,000, full duty applies with no concession.
What is the foreign surcharge?
Foreign persons purchasing residential land in NSW pay an additional 8% foreign acquirer duty on top of standard transfer duty. This applies to non-Australian citizens and non-permanent residents. Check with NSW Revenue or a solicitor if you're unsure of your residency status for duty purposes.
What other upfront costs should I budget for?
Beyond transfer duty, typical NSW upfront costs include: conveyancing/legal fees ($1,500–$3,000), building and pest inspection ($400–$800), mortgage registration and lender fees ($300–$1,000+), and moving costs. Budget an additional $3,000–$5,000 on top of stamp duty as a conservative estimate.
When are the NSW transfer duty rates updated?
NSW Revenue typically adjusts transfer duty thresholds annually on 1 July. This calculator uses the 1 July 2025 rates. Always verify current rates at NSW Revenue before relying on estimates for settlement purposes.