Stamp Duty Calculator — New South Wales (NSW)
Calculate stamp duty (transfer duty) in NSW for 2026. Includes first home buyer exemptions up to $800,000 and concessions up to $1M.
💰 NSW first home buyers: Pay $0 stamp duty on properties up to $800,000. Reduced duty up to $1M. Or choose annual property tax instead.
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NSW stamp duty rates 2026
- Up to $16,000: 1.25%
- $16,001-$35,000: $200 + 1.5% of excess
- $35,001-$93,000: $485 + 1.75% of excess
- $93,001-$361,000: $1,500 + 3.5% of excess
- $361,001-$1.149M: $10,880 + 4.5% of excess
- Over $1.149M: $46,330 + 5.5% of excess
First home buyer exemptions (NSW)
- Up to $800,000: $0 stamp duty (full exemption)
- $800,001-$1,000,000: Reduced duty (tapered)
- Over $1M: Full duty applies
First Home Buyer Choice (NSW)
Instead of stamp duty, you can choose to pay annual property tax (~$400/year for first home buyers). This is permanent and stays with the property.
How much is stamp duty in NSW?
- $600k: ~$24,000
- $950k: ~$40,000
- $1.5M: ~$66,000
Sydney median house prices (2026)
- Overall median: ~$1.15M
- Inner Sydney: $1.5M-$3M+
- Middle suburbs: $1M-$1.5M
- Outer suburbs: $800k-$1.2M
- Regional NSW: $600k-$800k