See The Real Upfront Cost Before You Commit
Estimate the stamp duty and government charges on your purchase in any Australian state. We factor in your buyer type and any first-home concessions or surcharges that apply.
Stryve Stamp Duty Calculator
Property Details
Total Government Charges
$17,052.46
Stamp duty plus mortgage registration and transfer fees: the full upfront government cost, not stamp duty alone.
Figures
Estimates only. Concession and grant require an owner-occupier first home buyer.
Worked example
For example, an owner-occupier buying an established $500,000 home in New South Wales pays around $16,687 in stamp duty, plus mortgage registration and transfer fees, for a total upfront government cost of $17,052 (before any first home buyer concession). Enter your own price above for your figure.
New South Wales stamp duty rates FY2026-27
Rates current as of FY2026-27. Estimates only - always confirm the exact figure with your conveyancer or the state revenue office before settlement.
| $0 - $18,000 | 1.25% of value (min $20) |
| $18,000 - $38,000 | $225 plus 1.50% of the excess over $18,000 |
| $38,000 - $103,000 | $525 plus 1.75% of the excess over $38,000 |
| $103,000 - $387,000 | $1,662 plus 3.50% of the excess over $103,000 |
| $387,000 - $1,290,000 | $11,602 plus 4.50% of the excess over $387,000 |
| $1,290,000 - $3,870,000 | $52,237 plus 5.50% of the excess over $1,290,000 |
| Over $3,870,000 | $194,137 plus 7.00% of the excess over $3,870,000 |
Mortgage registration: $182.73
Transfer fee: Flat $182.73 lodgement fee.
First home buyer exemptions in New South Wales
Eligible first home buyers in NSW pay no transfer duty on a home valued up to $800,000, with a tapered concession up to $1,000,000. A $10,000 First Home Owner Grant is also available on new builds up to $600,000 (or $750,000 for land plus a new build).
| Property price | Standard duty | First home buyer duty | You save |
|---|---|---|---|
| $600,000 | $21,187 | $0 | $21,187 |
| $800,000 | $30,187 | $0 | $30,187 |
| $900,000 | $34,687 | $19,594 | $15,094 |
| $1,000,000 | $39,187 | $39,187 | - |
Duty only (before registration and transfer fees), computed with the calculator above for an eligible owner-occupier first home buyer buying an established home in New South Wales.
Want to know what this means for your budget?
Stamp duty is usually the biggest upfront cost after your deposit, and the one that catches buyers out. We'll show you how it fits your full picture, and if there's a smarter way to structure your purchase, we'll tell you straight.
New South Wales Stamp Duty FAQs
The calculator above uses New South Wales's current transfer duty rates - see the rate table further up this page for the bands themselves - plus mortgage registration and transfer fees, so the total reflects your full upfront government cost, not stamp duty alone. For the whole cash figure including your deposit, conveyancing and a building and pest inspection, use the upfront cost to buy calculator. Common New South Wales questions are below.