Stamp Duty Calculator NSW — Calculate Property Tax in New South Wales
Calculate stamp duty on property purchases in New South Wales Australia. See first home buyer exemptions and concessions for 2026.
Stamp duty is a significant upfront cost when buying property in New South Wales ranging from $8000 for a $400000 property to $40000 for a $1 million property. First home buyers receive full exemptions on properties up to $800000 and concessions up to $1 million making NSW one of the more generous states for first home buyer support. Understanding these costs helps buyers budget accurately for their property purchase.
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Key Information
| Parameter | Details |
|---|---|
| First Home Buyer Exemption | Full exemption up to $800000 |
| First Home Buyer Concession | Reduced duty $800,001 - $1,000,000 |
| Standard Rate (example) | 4% on $500000 property approx |
| Foreign Buyer Surcharge | 8% additional surcharge |
Calculate NSW stamp duty
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Use Calculator NowFrequently Asked Questions
How much stamp duty on $1 million property NSW?
On a $1 million property in NSW a standard buyer pays approximately $40490 in stamp duty. A first home buyer purchasing a new home receives a concession reducing the duty. Non-resident foreign buyers pay an additional 8% surcharge totaling approximately $120490. These are significant sums that must be paid at settlement and cannot be added to the mortgage.
Do first home buyers pay stamp duty in NSW?
First home buyers in NSW pay no stamp duty on new or existing homes valued up to $800000. For properties valued $800001-$1000000 a sliding scale concession applies. Above $1000000 full stamp duty applies. Additionally the First Home Owner Grant provides $10000 for new homes valued up to $600000. These benefits cannot be claimed together with other concessions.
Can stamp duty be added to the mortgage NSW?
No stamp duty cannot be added to your mortgage in NSW. It must be paid in full at settlement from your own savings along with other upfront costs including legal fees building inspection pest inspection and loan application fees. Budget 5-7% of the purchase price for total upfront costs beyond your deposit.
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Last updated: 24 March 2026