New South Wales Stamp Duty $900k β€” First Home Buyer | $17,456

A first home buyer purchasing a $900k property in New South Wales pays $17,456 in stamp duty (after $17,456 concession).

Stamp Duty Payable

$17,456

on a $900k property in NSW

Concession Saving

$17,456

vs standard rate

Buyer & Property Information

Stamp Duty Calculation

$19,706

Total Costs

$21,506

$4,088/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: $900,000
Bracket 5 ($372,000-$1,240,000): $11,152 + ($528,000 Γ— 4.5%)
= $34,912

First Home Buyer Stamp Duty Policy (NSW):

Property price is in partial exemption range:

Stamp Duty Discount = -$15,206
Final Duty Payable = $19,706
Upfront Cost Breakdown

Total Upfront Costs

Stamp Duty$19,706
Conveyancing / Legal Fees (est.)$1,800
Total Upfront Costs$21,506

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$180,000
Loan Amount$720,000

Mortgage Calculation (Principal & Interest)

Loan Amount$720,000
Loan Term30 Years
Interest Rate5.5%
Loan Type:
Monthly Repayment$4,088
= Monthly Payment = Loan Amount Γ— (Monthly Rate Γ— (1 + Monthly Rate)^Terms) Γ· ((1 + Monthly Rate)^Terms - 1)
= $720,000 Γ— (Monthly Rate: 0.004583 Γ— (1 + 0.004583)^Total Months: 360) Γ· ((1 + 0.004583)^360 - 1)
= $4,088
Total Repayment$1,471,709
Total Interest$751,709

Compare with Lenders

Rates as of 2026-07-15
LenderRateMonthlyDiff
Westpac5.99%$4,312+224
ING5.99%$4,312+224
Commonwealth Bank6.09%$4,359+270
Macquarie Bank6.09%$4,359+270
UBank6.09%$4,359+270
Bendigo Bank6.14%$4,382+294
Bank of Queensland6.14%$4,382+294
ANZ6.39%$4,499+411
NAB6.44%$4,523+434
Suncorp6.54%$4,570+482
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Mortgage Cashflow Over Time

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Cost Breakdown

ItemAmount
Property Price$900,000
Base Stamp Duty$34,912
Concession Savingβˆ’$17,456
Stamp Duty Payable$17,456

Frequently Asked Questions

How much stamp duty do I pay on a $900k property in New South Wales?β–Ύ
A first home buyer purchasing a $900k property in New South Wales pays $17,456 in stamp duty, after a concession saving of $17,456.
Are there stamp duty concessions for first home buyers in New South Wales?β–Ύ
Yes. New South Wales offers first home buyer relief β€” exempt up to $800k with partial relief up to $1000k.
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 $900k purchase as a first home buyer, the effective rate is approximately 1.94%.

Compare Buyer Types β€” $900k in NSW

Owner Occupier$34,912Investor$34,912Foreign Buyer$115,912

Stamp Duty at Other Prices β€” NSW First Home Buyer

$300k$0$500k$0$750k$0$1M$39,412$1.25M$50,762$1.5M$64,512$2M$92,012$3M$147,012$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 $900k β€” First Home Buyer | $17,456