NSW stamp duty calculator.
Work out the stamp duty and government fees on any home or land you buy in NSW, on the 2026-27 rates. Our conveyancing is done by solicitors. Send us the contract before you sign.
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After the deposit, stamp duty is usually the largest cost of buying.
In NSW it is called transfer duty. The buyer pays it.
It is charged on the price, or on the market value if that is higher.
NSW stamp duty rates for 2026-27
For contracts from 1 July 2026 to 30 June 2027.
- Up to $18,000: $1.25 for every $100, with a minimum of $20.
- $18,001 to $38,000: $225, plus $1.50 for every $100 over $18,000.
- $38,001 to $103,000: $525, plus $1.75 for every $100 over $38,000.
- $103,001 to $387,000: $1,662, plus $3.50 for every $100 over $103,000.
- $387,001 to $1,290,000: $11,602, plus $4.50 for every $100 over $387,000.
- Over $1,290,000: $52,237, plus $5.50 for every $100 over $1,290,000.
- Premium rate, residential property over $3,870,000: $194,137, plus $7.00 for every $100 over $3,870,000.
Source: Revenue NSW, "How to calculate transfer duty", last updated 6 October 2026. The rates change every 1 July.
How much is stamp duty in NSW? Worked examples
The general rate, for a buyer who is not a first home buyer, on the 2026-27 rates.
- $600,000: $21,187
- $700,000: $25,687
- $800,000: $30,187
- $900,000: $34,687
- $1,000,000: $39,187
- $1,200,000: $48,187
- $1,500,000: $63,787
- $2,000,000: $91,287
Government fees to register the transfer and the mortgage are extra: $182.73 each.
When you pay stamp duty
- By settlement, or within 3 months of signing the contract, whichever comes first.
- It is usually paid at settlement, from your settlement funds.
- Some buyers of off the plan property can defer payment for a further 12 months. We check if you qualify.
- Revenue NSW can charge interest if duty is paid late.
Buying your first home?
First home buyers who qualify pay no stamp duty on a home up to $800,000, and a reduced rate below $1,000,000. For vacant land, no duty up to $350,000 and a reduced rate below $450,000. Choose "Yes" in the calculator, or read our first home buyer conveyancing page.
What your conveyancing solicitor checks before you sign
- The title, and anything registered on it, such as an easement or a covenant.
- The special conditions the seller has added.
- The deposit, the cooling-off terms and the settlement date.
- The planning certificate and the sewer diagram.
- For a unit, the strata records and the levies.
- The duty you must pay, and any exemption or concession you qualify for.
Common questions
How much is stamp duty on $1,000,000 in NSW?
$39,187 at the general rate, for contracts from 1 July 2026. First home buyer relief stops below $1,000,000, so a first home buyer pays the same.
How much is stamp duty on a $700,000 house in NSW?
$25,687 at the general rate. A first home buyer who qualifies pays none.
Is stamp duty the same as transfer duty?
Yes. Revenue NSW calls it transfer duty. Most people call it stamp duty.
Do you pay stamp duty on vacant land in NSW?
Yes, at the same general rates. First home buyers who qualify pay no duty on land up to $350,000, and a reduced rate below $450,000.
When do I have to pay stamp duty in NSW?
By settlement, or within 3 months of signing the contract, whichever comes first.
Do I pay stamp duty if I am not an Australian citizen or permanent resident?
Yes, and a surcharge purchaser duty applies on top for residential property. This calculator does not include it. Send us the contract and we work out the total.
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