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Stamp Duty Calculator

Plan the costs around your purchase.

Explore an indicative stamp duty and upfront-cost estimate across Australia’s states and territories, including a first-home buyer scenario.

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Purchase details

Build an estimate of the costs around your purchase.

Purchase scenarioStep 1 of 2

Purchase scenario

Choose where you are buying. Duty, buyer concessions and estimated registration costs update for your state or territory. Current rules checked 19 October 2026.

State or territory

Select the location of the property you are buying

New South Wales

Eligible first-home buyers: homes are exempt up to $800,000, with reduced duty below $1 million. Land is exempt up to $350,000, with reduced duty below $450,000.

Check eligibility with the revenue office ↗

Property type

Used to apply the selected state or territory’s property and first-home rules

Purchase type

Select the purpose of the purchase

I am a first-home buyerEligibility and residence rules apply; vacant land assumes you plan to build a home.

Results update as you type.

Estimated property stamp duty$0

NSW · Existing property · Home to live in

Standard transfer duty: $0
Buyer concessions: $0
Transfer registration fee: $0
Mortgage registration fee: $0
Total government costs: $0
Conveyancing: $1,500
Bank costs: $800
Indicative LMI: $0
Additional costs: $0
Total upfront costs: $2,300
Remaining deposit: $0
Indicative LVR: Not available

Upfront-cost estimate

Registration estimates assume one property title and one mortgage. Electronic settlement, search and additional title fees are excluded. Bank costs default to $800 in this estimate.

Calculation assumptions & sources

Current residential purchase estimate for New South Wales, checked 19 October 2026. Historical contracts and settlements require a separate assessment.
Dutiable value is the higher of the purchase price or market value. The property value field is used for both.
Eligible first-home buyers: homes are exempt up to $800,000, with reduced duty below $1 million. Land is exempt up to $350,000, with reduced duty below $450,000.
Selecting a home to live in assumes you meet the owner-occupier residence conditions. First-home estimates assume all purchasers meet the relevant scheme criteria, including prior ownership, residency and construction requirements.
Grants, foreign purchaser surcharges, pensioner, off-the-plan and other special exemptions are excluded. This calculator does not determine eligibility.
Registration estimates assume one title and one mortgage, with electronic lodgement in Victoria. A quoted transfer fee overrides the estimate. Additional lodgement, search and electronic settlement fees are excluded.
Conveyancing defaults to $1,500, bank costs to $800 and LMI to $0. Add other quoted charges under Additional costs.

NSW duty rates ↗Buyer assistance rules ↗Registration fee schedule ↗

General information only — this calculator is an estimate, not a quote, grant decision, credit offer or personal financial recommendation.

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