New South Wales Stamp Duty $3M β€” Owner Occupier | $147,012

A owner occupier purchasing a $3M property in New South Wales pays $147,012 in stamp duty.

Stamp Duty Payable

$147,012

on a $3M property in NSW

Buyer & Property Information

Stamp Duty Calculation

$147,012

Total Costs

$149,512

$13,627/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: $3,000,000
Bracket 6 (>$1,240,000): $50,212 + ($1,760,000 Γ— 5.5%)
= $147,012
Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$147,012
Conveyancing / Legal Fees (est.)$2,500
Total Upfront Costs$149,512

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

Stamp Duty Comparison by State

Loan Calculation

Deposit Ratio: %
Loan Term: Years
Interest Rate: %
Deposit Amount$600,000
Loan Amount$2,400,000

Mortgage Calculation (Principal & Interest)

Loan Amount$2,400,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$13,627
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $2,400,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $13,627
Total Repayment$4,905,697
Total Interest$2,505,697

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$14,374+747
ING5.99%$14,374+747
Commonwealth Bank6.09%$14,528+901
Macquarie Bank6.09%$14,528+901
UBank6.09%$14,528+901
Bendigo Bank6.14%$14,606+979
Bank of Queensland6.14%$14,606+979
ANZ6.39%$14,996+1,369
NAB6.44%$15,075+1,448
Suncorp6.54%$15,233+1,606
Compare home loan rates

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Mortgage Cashflow Over Time

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Cost Breakdown

ItemAmount
Property Price$3,000,000
Base Stamp Duty$147,012
Stamp Duty Payable$147,012

Frequently Asked Questions

How much stamp duty do I pay on a $3M property in New South Wales?β–Ύ
A owner occupier purchasing a $3M property in New South Wales pays $147,012 in stamp duty.
Are there stamp duty concessions for owner occupiers in New South Wales?β–Ύ
Standard rates apply for owner occupiers. 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 $3M purchase as a owner occupier, the effective rate is approximately 4.90%.

Compare Buyer Types β€” $3M in NSW

First Home Buyer$147,012Investor$147,012Foreign Buyer$417,012

Stamp Duty at Other Prices β€” NSW Owner Occupier

$300k$8,632$500k$16,912$750k$28,162$900k$34,912$1M$39,412$1.25M$50,762$1.5M$64,512$2M$92,012$5M$257,012

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 $3M β€” Owner Occupier | $147,012