Question 1

What is NSW transfer duty?

Accepted Answer

Transfer duty, often called stamp duty, is a NSW government duty that usually applies when you buy property or receive a property transfer in NSW. It is generally based on the purchase price or current market value, whichever is higher.

Question 2

When do I need to pay NSW transfer duty?

Accepted Answer

NSW transfer duty is generally due within 3 months of signing the contract, but it must be paid by settlement if settlement happens earlier. Off-the-plan purchases may have different timing rules.

Question 3

Are there NSW stamp duty exemptions for first home buyers?

Accepted Answer

Eligible NSW first home buyers can receive a full transfer duty exemption for a new or existing home valued up to $800,000, and a concessional rate for homes valued over $800,000 and under $1 million. Vacant land thresholds are lower.

Question 4

How is NSW stamp duty calculated?

Accepted Answer

NSW transfer duty uses tiered rates based on dutiable value. The calculator applies the 2025-26 NSW thresholds, first home buyer settings, mortgage registration, transfer fee, and the foreign purchaser surcharge where selected.

Question 5

Does this calculator cover every Australian state?

Accepted Answer

No. This calculator currently estimates NSW property transfer duty only. Use the result as a planning estimate and confirm exact duty, concessions and surcharge rules with Revenue NSW or your conveyancer.

Fee breakdown	Amount
Stamp duty	$0.00
Mortgage Registration Fee	$165.40
Transfer Fee	$165.40
Total Government Fees	$330.80

NSW Stamp Duty Calculator 2025-26

Details

Stamp Duty Calculation

Government Grant