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.
Transfer tax / stamp duty: A$34,687.00
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 checked against official sources on — 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 normally pays the stamp duty in New South Wales — in full, before or at settlement — and it usually cannot be added to the mortgage, so it must be part of your cash budget alongside the deposit. Purchase contracts can reassign the obligation, so confirm what yours says.
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.
