Stamp duty calculator
Estimate stamp duty (transfer duty) on an NSW property purchase. See how price, buyer type and concessions change upfront costs, then confirm with Revenue NSW.
How much stamp duty will you pay?
Stamp duty, called transfer duty in NSW, is calculated on the purchase price or market value using sliding brackets set by each state. Investors usually pay full rates, while some first home buyers qualify for concessions. Use this estimate to size upfront cash in Sydney or regional NSW, then confirm the exact amount with Revenue NSW or your conveyancer.
Why duty catches buyers out
Many buyers budget for the deposit and forget duty is usually payable within a short period after exchange or settlement. On an investment purchase it is often one of the largest upfront costs and generally cannot be added to the loan without affecting your deposit or lending ratio.
What changes the amount
Price, the state where the property is located, whether you are a first home buyer, foreign purchaser surcharges and the property type all change duty. Concessions and thresholds are updated from time to time, so check the current rules on the state revenue office website.
How to use the estimate
Add duty to legal, inspection and lender costs to find the total cash needed. If the total stretches your buffer, compare a lower price range rather than relying on borrowing more.
Frequently asked questions
Do investors get stamp duty concessions in NSW?
Generally no. First home buyer concessions usually require owner-occupation. Check eligibility with Revenue NSW.
When is stamp duty paid?
Timing depends on state rules and settlement arrangements. Your conveyancer will confirm the due date for your transaction.
Is the calculator result exact?
No. It is an estimate. Surcharges, concessions and valuation rules can change the final amount.