Australia Property ROI Calculator

Transfer Duty (NSW) in Australia uses a progressive bracket system. NSW transfer duty (stamp duty) applies to all property purchases. It uses a progressive sliding scale — you only pay each rate on the portion of the purchase price within that band. Thresholds are CPI-indexed annually on 1 July. The rates shown apply to the 2025–26 financial year. Rates shown are for investors / non-first-home-buyers — first home buyer concessions and exemptions are not modelled. The current rates are: 1.3% on the first $17,000, 1.5% on $17,000 – $37,000, 1.8% on $37,000 – $99,000, 3.5% on $99,000 – $372,000, 4.5% on $372,000 – $1,240,000, 5.5% on $1,240,000 – $3,721,000, 7.0% on amounts above $3,721,000.

When purchasing property in Australia, typical closing costs include: Conveyancer / Solicitor Fees, Building & Pest Inspection, Strata Report, Title Search Fee, Registration of Transfer, Mortgage Registration Fee, Mortgage Application / Establishment Fee. These are paid by the buyer at or before completion, in addition to the purchase price and Transfer Duty (NSW).

Ongoing costs for property owners in Australia typically include: Council Rates, Water Rates, Landlord Insurance, Maintenance & Repairs, Land Tax (NSW), Foreign Owner Surcharge Land Tax (NSW). These are annual costs that should be factored into your rental yield and cash flow calculations.

Capital Gains Tax applies when you sell a property for more than you paid. Capital gains on property are taxed at your marginal income tax rate, plus the 2% Medicare Levy for resident individuals. A 50% CGT discount applies for individuals and trusts who hold the asset for more than 12 months — meaning only half the gain is added to your taxable income. Companies receive no discount. Your primary residence (main home) is fully exempt with no monetary cap. Your primary residence is exempt from capital gains tax.