New South Wales Transfer duty
What a buyer pays at settlement in New South Wales — the real stamp duty rate, plus your conveyancer or solicitor, inspection and registration, with a calculator that uses New South Wales's actual bands.
- Transfer duty on $800,000
- $30,413
- First-home relief
- Full exemption up to $800,000, tapering to $1,000,000.
Transfer duty bands
Marginal — each rate applies only to the slice of the price within that band.
| Portion of price | Rate on that portion |
|---|---|
| Up to $17,000 | 1.25% |
| $17,000 – $37,000 | 1.5% |
| $37,000 – $99,000 | 1.75% |
| $99,000 – $372,000 | 3.5% |
| $372,000 – $1,240,000 | 4.5% |
| $1,240,000 – $3,721,000 | 5.5% |
| Over $3,721,000 | 7% |
Transfer duty in New South Wales at a glance
What the transfer duty works out to at common Australia home prices, computed from the bands above.
| Home price | Transfer duty | First-home buyer |
|---|---|---|
| $400,000 | $12,413 | $0 |
| $600,000 | $21,413 | $0 |
| $800,000 | $30,413 | $0 |
| $1,000,000 | $39,413 | — |
| $1,500,000 | $64,513 | — |
New South Wales buying-cost calculator
Pre-set to New South Wales. Adjust your price and deposit.
Estimated upfront costs
$33,413
≈ 4.18% of the price · excludes your deposit
stamp duty alone
$30,413
the biggest single line
Line-by-line breakdown
How buying costs work in New South Wales
NSW transfer duty is marginal across the bands, with a premium rate above ~$3.72M. Rates are reviewed each 1 July.
On a $800,000 home, New South Wales's transfer duty comes to roughly $30,413. On top of that you'll pay your conveyancer or solicitor, an inspection and registration — all built into the calculator above.
First-home buyers: NSW First Home Buyers Assistance Scheme: full exemption up to $800,000 and a sliding concession to $1,000,000, for new and established homes.
Foreign buyers: Foreign buyers pay a 9% surcharge purchaser duty on residential land.
Source: Duties Act 1997 (NSW); transfer-duty rates 1 July 2025 – 30 June 2026. Official source ↗
Frequently asked questions
How much is Transfer duty in New South Wales?
On a $800,000 home in New South Wales, Transfer duty is about $30,413. It's charged on marginal price bands — see the table above — so it changes with your price. NSW transfer duty is marginal across the bands, with a premium rate above ~$3.72M. Rates are reviewed each 1 July.
Do first-home buyers get a break in New South Wales?
NSW First Home Buyers Assistance Scheme: full exemption up to $800,000 and a sliding concession to $1,000,000, for new and established homes.
What about foreign buyers in New South Wales?
Foreign buyers pay a 9% surcharge purchaser duty on residential land.
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