NSW first home buyers pay $0 transfer duty on properties up to $800,000 — saving $30,735 compared to standard rates on a typical purchase.
Includes first home buyer exemptions by property type, foreign buyer surcharge, registration fees, conveyancing, and full upfront cost breakdown.
Optional — enter your savings to see if they cover all upfront costs.
Enter a purchase price and click Calculate to see stamp duty, concessions, and your full upfront cost estimate.
Stamp duty is calculated progressively — only the portion within each bracket is taxed at that rate. Rates sourced from Revenue NSW.
| Purchase Price Range | Duty Calculation |
|---|---|
| $0 – $17,000 | $1.25 per $100 (1.25%) |
| $17,001 – $37,000 | $212 + $1.50 per $100 over $17,000 |
| $37,001 – $99,000 | $512 + $1.75 per $100 over $37,000 |
| $99,001 – $372,000 | $1,597 + $3.50 per $100 over $99,000 |
| $372,001 – $1,240,000 | $11,152 + $4.50 per $100 over $372,000 |
| $1,240,001 – $3,721,000 | $50,212 + $5.50 per $100 over $1,240,000 |
| $3,721,001+ | 7% of total dutiable value (premium rate — applied to full value) |
Rates are indicative for 2024–25 and may change. Always verify the current schedule with Revenue NSW before transacting.
Each state has different rates, thresholds, and first home buyer rules — select your state below.
First home buyers in NSW pay $0 stamp duty on properties up to $800,000 under the First Home Buyers Assistance Scheme (FHBAS). A discounted rate applies for properties between $800,001 and $1,000,000 — scaling linearly from $0 toward the full duty rate. Properties above $1,000,000 pay full transfer duty. Eligible buyers purchasing a new home up to $600,000 may also receive the $10,000 First Home Owner Grant (FHOG). The scheme applies to both new and existing properties used as a primary residence. Verified vs Revenue NSW, May 2026.
The full stamp duty exemption threshold for first home buyers in NSW is $800,000 as of 2026. Properties valued between $800,001 and $1,000,000 receive a partial concession that tapers off as price rises. The threshold has been stable since 2023 and was not changed in the 12 May 2026 Federal Budget. Source: Revenue NSW, nsw.gov.au.
Yes, partially. A $900,000 purchase sits in the FHBAS phase-out band ($800,001–$1,000,000), so you receive a partial concession but not a full exemption. The full duty on $900,000 would be approximately $35,835; the discounted amount depends on where in the band you fall. As a rough guide, halfway through the band ($900k) results in roughly 50% of the full duty payable — but the formula is non-linear so use the calculator above for the exact figure. Above $1,000,000 you pay full standard transfer duty with no FHB concession.
For an $800,000 property in NSW, standard transfer duty is $30,735. First home buyers pay $0 under the NSW First Home Buyer Assistance Scheme (FHBAS). Standard duty: $0–$16k at 1.25% ($200), $16k–$35k at 1.5% ($285), $35k–$93k at 1.75% ($1,015), $93k–$351k at 3.5% ($9,030), $351k–$800k at 4.5% ($20,205). Always verify with Revenue NSW.
Yes for newly built homes — the FHBAS applies equally to new and established properties up to $800,000 (concession to $1,000,000). For vacant land, a separate first home buyer exemption applies up to $350,000 (with concession to $450,000). Building costs are not included in the dutiable value for the land purchase.
Yes — from 1 July 2023, eligible first home buyers purchasing up to $1,500,000 can opt into an annual property tax ($400 + 0.3% of land value for owner-occupiers) instead of paying stamp duty upfront. This can be advantageous if you plan to sell within 5–7 years before cumulative annual payments exceed the one-off duty.
Yes — and the costs are now significantly higher. Effective 1 January 2025, foreign persons purchasing residential land in NSW pay an additional 9% foreign buyer duty surcharge (up from 8%) on top of standard transfer duty. On a $1,000,000 purchase, a foreign buyer pays standard duty (~$40,490) plus $90,000 surcharge = ~$130,490 total. Foreign owners also pay an annual 5% surcharge land tax (up from 4%) on the Valuer-General unimproved land value — that is roughly $25,000/year recurring on a $500,000 land value, on top of standard land tax. This calculator shows both the upfront and recurring components.
Beyond stamp duty, typical NSW purchase costs include: title transfer registration (~$154), mortgage registration (~$154), conveyancing ($1,500–$3,000), building and pest inspection ($400–$800), and bank establishment/settlement fees (~$800). For a $750,000 property with first home buyer exemption, total government upfront costs are approximately $308 (registration fees only).