NSW Stamp Duty Calculator

Stamp duty (officially known as transfer duty in NSW) is a tax levied by the state government when you buy or acquire property or land. It is paid by the purchaser and must be paid within 3 months of exchange or settlement, whichever is earlier.

Stamp duty is calculated on a sliding scale on the price or market value of the property. Premium duty may be due if the property is over a threshold. The 2026/2027 financial year threshold is $3,870,000. Surcharge Duty may also be due if you are classified as "foreign".

Yes. Under the First Home Buyers Assistance Scheme (FHBAS), eligible purchasers can receive a full exemption (pay zero ad valorem stamp duty) or a partial concession (pay less at a discounted rate), depending on the purchase value of the home or vacant land. Contact us to see if you qualify.

Yes. Stamp duty is still due even if a reduced price is paid or the property is a gift. The duty is calculated based on an independent valuation of the property’s market value. However, exemptions may apply to transfers resulting from relationship breakdowns or deceased estates.

Most lenders will not allow you to bundle stamp duty directly into your mortgage as a separate item. You generally need to prove you have these funds saved separately as part of your upfront out-of-pocket settlement costs, unless your loan-to-value ratio (LVR) allows extra borrowing capacity. If you are able to give the bank a mortgage over another property then they may lend you additional funds to cover stamp duty for your purchase.