New South Wales Stamp Duty $1.25M β€” Foreign Buyer | $163,262

A foreign buyer purchasing a $1.25M property in New South Wales pays $163,262 in stamp duty (including $112,500 foreign-buyer surcharge).

Stamp Duty Payable

$163,262

on a $1.25M property in NSW

Foreign Buyer Surcharge

$112,500

Buyer & Property Information

Stamp Duty Calculation

$50,762

+ $112,500 Foreign Buyer Additional Stamp Duty

Total Costs

$256,362

$5,678/Month

Stamp Duty Calculation

I Am a,, For the Purpose of

Buying a Property in State With a Price of $

NSW Base Stamp Duty Calculation:

Property Price: $1,250,000
Bracket 6 (>$1,240,000): $50,212 + ($10,000 Γ— 5.5%)
= $50,762

Foreign Buyer Additional Stamp Duty Calculation (NSW):

= Property Price Γ— Foreign Buyer Rate
= $1,250,000 Γ— 0.09
= $112,500

Total Duty = $163,262

Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$50,762
Foreign Buyer Surcharge$112,500
FIRB Application Fee$90,900
Conveyancing / Legal Fees (est.)$2,200
Total Upfront Costs$256,362

Conveyancing fee is an estimate only (typically $800–$2,500). Actual fees vary by conveyancer/solicitor and state.

Stamp Duty Comparison by State

Foreign Buyer Extra Costs

FIRB Application Fee$90,900
Based on Property Price: $1,250,000
Property Type: Used Property
Price Bracket: $1,000,000 - $2,000,000
FIRB Application Fee: $45,300

Loan Calculation

Deposit Ratio: %
Loan Term: Years
Interest Rate: %
Deposit Amount$250,000
Loan Amount$1,000,000

Mortgage Calculation (Principal & Interest)

Loan Amount$1,000,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$5,678
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $1,000,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $5,678
Total Repayment$2,044,040
Total Interest$1,044,040

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$5,989+311
ING5.99%$5,989+311
Commonwealth Bank6.09%$6,053+376
Macquarie Bank6.09%$6,053+376
UBank6.09%$6,053+376
Bendigo Bank6.14%$6,086+408
Bank of Queensland6.14%$6,086+408
ANZ6.39%$6,249+571
NAB6.44%$6,281+603
Suncorp6.54%$6,347+669
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Cost Breakdown

ItemAmount
Property Price$1,250,000
Base Stamp Duty$50,762
Foreign Buyer Surcharge+$112,500
Stamp Duty Payable$163,262

Frequently Asked Questions

How much stamp duty do I pay on a $1.25M property in New South Wales?β–Ύ
A foreign buyer purchasing a $1.25M property in New South Wales pays $163,262 in stamp duty.
Are there stamp duty concessions for foreign buyers in New South Wales?β–Ύ
Standard rates apply for foreign buyers. No concessional rates are available.
When is stamp duty due in New South Wales?β–Ύ
In New South Wales, stamp duty (transfer duty) is generally due within 3 months of signing the contract, or on settlement β€” whichever is earlier.
What is the stamp duty rate in New South Wales?β–Ύ
New South Wales uses a progressive bracket system. The exact rate depends on the purchase price β€” for a $1.25M purchase as a foreign buyer, the effective rate is approximately 13.06%.

Compare Buyer Types β€” $1.25M in NSW

Owner Occupier$50,762First Home Buyer$50,762Investor$50,762

Stamp Duty at Other Prices β€” NSW Foreign Buyer

$300k$35,632$500k$61,912$750k$95,662$900k$115,912$1M$129,412$1.5M$199,512$2M$272,012$3M$417,012$5M$707,012

Need a Custom Calculation?

Use our full New South Wales stamp duty calculator for exact amounts with your specific property details.

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New South Wales Stamp Duty $1.25M β€” Foreign Buyer | $163,262