New South Wales (NSW) Stamp Duty Calculator
Calculate stamp duty for property purchases in New South Wales (NSW). Includes first home buyer concessions, foreign buyer surcharge, LMI, and mortgage calculations.
Buyer & Property Information
Stamp Duty Calculation
$39,529
Total Costs
$41,329
$4,542/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:
Bracket 5 ($364,000-$1,212,000): $10,909 + ($636,000 × 4.5%)
= $39,529
Upfront Cost Breakdown
Total Upfront Costs
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
Mortgage Calculation (Principal & Interest)
= $800,000 × (Monthly Rate: 0.004583 × (1 + 0.004583)^Total Months: 360) ÷ ((1 + 0.004583)^360 - 1)
= $4,542
Compare with Lenders
Rates as of 2026-03-10| Lender | Rate | Monthly | Diff |
|---|---|---|---|
| UBank | 5.74% | $4,664 | +121 |
| Macquarie Bank | 5.9% | $4,745 | +203 |
| ING | 5.93% | $4,760 | +218 |
| Bank of Queensland | 6.04% | $4,817 | +275 |
| Suncorp | 6.04% | $4,817 | +275 |
| Bendigo Bank | 6.09% | $4,843 | +300 |
| ANZ | 6.14% | $4,869 | +326 |
| Westpac | 6.19% | $4,895 | +352 |
| NAB | 6.19% | $4,895 | +352 |
| Commonwealth Bank | 6.24% | $4,921 | +378 |
Free, no obligation quote from leading Australian lenders
Mortgage Cashflow Over Time
📊 Get a Personalised Property Report
Receive a detailed breakdown of all costs, savings opportunities, and a comparison with similar properties in your area — delivered straight to your inbox.
We respect your privacy. No spam, unsubscribe anytime.
Key Points About New South Wales Stamp Duty
📖 Full NSW Stamp Duty Guide →- ✓Progressive stamp duty rates from $1.25 to $7 per $100
- ✓First home buyer exemptions up to $800,000 (full) and $1M (partial)
- ✓Foreign buyer surcharge: 8%
- ✓Payment due within 3 months of contract
New South Wales has one of the most comprehensive stamp duty systems in Australia. The state offers generous first home buyer concessions, with full exemptions available for properties up to $800,000 and partial concessions up to $1 million for owner-occupiers. Foreign buyers face an 8% surcharge in addition to standard stamp duty rates.
Frequently Asked Questions About New South Wales Stamp Duty
How much is stamp duty in NSW?
Stamp duty in NSW is calculated on a sliding scale based on property value. For example, properties under $16,000 pay a flat rate of $1.25 per $100, while properties over $3 million pay $149,490 plus $7 per $100 over $3 million. First home buyers may be eligible for concessions or exemptions.
Do first home buyers pay stamp duty in NSW?
First home buyers in NSW may receive full or partial stamp duty exemptions. Full exemption applies to properties up to $800,000, and a concessional rate applies up to $1 million for owner-occupied properties.
What is the foreign buyer surcharge in NSW?
Foreign buyers in NSW pay an additional 8% surcharge on top of standard stamp duty. This applies to all residential property purchases by foreign persons.
When do I need to pay stamp duty in NSW?
Stamp duty in NSW must be paid within 3 months of the contract date or completion date, whichever occurs first.
Stamp Duty Calculators for Other States
Data Update History
We keep our stamp duty rates, thresholds, and fees up to date. Here is a log of every data change.
- NSW
NSW foreign surcharge updated
NSW foreign buyer surcharge increased from 8% to 9%. FIRB application fees updated for FY2025-26.
- NSW, VIC, QLD, SA, WA, TAS, ACT, NT
Bank rates & FHB thresholds updated
Updated bank comparison interest rates for March 2026. Revised First Home Buyer stamp duty concession thresholds across multiple states.
Year references updated to 2026
All page titles, meta descriptions, keywords, headlines, and structured data updated from 2025 to 2026.
Bank rate configuration centralised
Replaced hardcoded bank interest rates with a centralised configuration file for easier maintenance.
- QLD, SA, WA, TAS, ACT, NT
All states & territories added
Added stamp duty calculations for QLD, SA, WA, TAS, ACT, and NT alongside existing NSW and VIC support.
- NSW, VIC
Initial launch
Stamp duty calculator launched with NSW and VIC support, including first home buyer concessions and rebate calculations.