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Know Your Stamp Duty Before You Buy
If you’re buying a property in New South Wales, it’s essential to understand what you’ll pay in stamp duty. Use our free NSW stamp duty calculator to estimate the stamp duty costs and other upfront government fees so you’re fully informed before you commit.
How to Use the NSW Stamp Duty Calculator
Enter the value of the property, select whether you’re a first home buyer or a foreign owner, and fill in any other relevant details. Our NSW stamp duty calculator estimates your stamp duty, transfer fee, mortgage registration fee and total government fees for the most common owner-occupied purchase scenarios.
Standard Stamp Duty Rates in NSW (from 1 July 2024)
| Property Value | How Stamp Duty is Calculated |
| $0 – $17,000 | $1.25 for every $100 (minimum $20) |
| $17,001 – $36,000 | $212 + $1.50 for every $100 over $17,000 |
| $36,001 – $97,000 | $497 + $1.75 for every $100 over $36,000 |
| $97,001 – $364,000 | $1,564 + $3.50 for every $100 over $97,000 |
| $364,001 – $1,212,000 | $10,909 + $4.50 for every $100 over $364,000 |
| Over $1,212,000 | $49,069 + $5.50 for every $100 over $1,212,000 |
| Over approx $3,636,000* | Premium rate: e.g., $182,389 + $7.00 for every $100 over threshold |
* Thresholds are adjusted annually. Based on current guidance.
Sources: Rate data from recent NSW government and property guides.
Why Choose Inovayt for Guidance?
Working with us means you get more than just numbers.
After you use our NSW stamp duty calculator, you can also contact our team of experienced brokers who will explain stamp duty, property purchase costs, and how they affect your borrowing. Our experts can also offer advice across all major markets and help you structure your purchase.
Contact us today to estimate your duty and start your property purchase with confidence.
Frequently Asked Questions
Stamp duty, or transfer duty, is a tax payable when you buy property in New South Wales. It’s calculated based on the property value or market value (whichever is higher) and must generally be paid before settlement.
If you’re eligible, first-home buyers may receive full exemption when buying a home valued up to $800,000, and concessional rates for values up to around $1,000,000. Vacant land has lower thresholds. Eligibility criteria apply.
Yes. On top of stamp duty you may need to pay transfer fees and mortgage registration fees. These are typically smaller flat amounts but should be included in your total upfront budget.
Yes, if you select “foreign owner” in the calculator, it will estimate the additional surcharge you may owe. Foreign buyers in NSW must pay a surcharge duty above standard rates.
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