Australia · Stamp Duty
NSW is Australia's most expensive property market and its duty schedule is progressive, from 1.25% at the bottom to 5.5% above $1.29 million. The bands are indexed each year with inflation, and Sydney's prices mean most purchases land in the 4.5%–5.5% tiers. First home buyers on properties at or under $800,000 pay no duty at all, and foreign buyers face an extra 9% surcharge on top.
Preset rates are indicative reference values only. Confirm current rates and any reliefs with your local tax authority.
Jurisdiction comparison at A$900,000.00
New South Wales pays A$34,687.00 (3.85%) vs New South Wales at A$34,687.00 (3.85%).
Progressive from 1.25% to 5.5% — a $1m home pays about $40,000 in transfer duty. Bands below are the standard residential buyer schedule used by the calculator.
| Property value | Rate |
|---|---|
| $0.00 – $18,000.00 | 1.25% |
| $18,000.00 – $38,000.00 | $225.00 + 1.5% above $18,000.00 |
| $38,000.00 – $103,000.00 | $525.00 + 1.75% above $38,000.00 |
| $103,000.00 – $387,000.00 | $1,662.00 + 3.5% above $103,000.00 |
| $387,000.00 – $1,290,000.00 | $11,602.00 + 4.5% above $387,000.00 |
| $1,290,000.00+ | $52,237.00 + 5.5% above $1,290,000.00 |
Indicative figures compiled August 2026 — official source: Revenue NSW — transfer duty rates. Rates are typically indexed or revised each financial year.
A $900,000.00 purchase in New South Wales attracts about $34,687.00 in stamp duty at the standard indicative rates — an effective rate of 3.85%. NSW registration of title fees are modest (about $300–$400) plus legal/conveyancing costs. That makes the all-in cash requirement $934,687.00 before you factor in any deposit, legal work, or moving costs. Adjust the price in the calculator to model your own number.
Progressive from 1.25% to 5.5% — a $1m home pays about $40,000 in transfer duty. Rates change with legislation and vary by buyer circumstances, so treat these as planning figures and confirm the current rate with Revenue NSW — transfer duty rates before you commit.
At the indicative rates above, a $900,000.00 property attracts about $34,687.00 in stamp duty — an effective rate of 3.85%. NSW registration of title fees are modest (about $300–$400) plus legal/conveyancing costs.. The calculator above lets you change the price and see the result instantly.
First home buyers: no transfer duty on properties up to $800,000; reduced rates up to $1m. Eligibility rules change frequently and vary by buyer type, so verify your situation with Revenue NSW — transfer duty rates or a conveyancer.
The buyer pays the tax in essentially every case in this market. It is payable in full before or at settlement and cannot normally be added to a mortgage, so it must be part of your cash budget alongside the deposit.
How we calculate: the calculator applies the official band schedule marginally — each rate applies only to the slice of the price inside its band, exactly as the revenue authority does. Worked examples are computed with the same function.
Last reviewed: . Learn more about Nirmal Lashkari and LashkariProperties.
Disclaimer: stamp duty rates change with legislation and vary by buyer circumstances. These are indicative planning figures, not tax advice — confirm every number with Revenue NSW — transfer duty rates or a qualified local professional.
