Property purchase cost calculator
Stamp Duty Calculator
Calculate Transfer Duty (NSW) and closing costs for property in Australia.
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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 and assume an investor / non-first-home-buyer purchase. Select the First Home Buyer profile for FHB exemptions and concessions.
Transfer Duty (NSW) uses a progressive sliding scale — you only pay the higher rate on the portion of the price that falls within each band, not on the full purchase price.
| Property value | Rate |
|---|---|
| $0.00 – $17,000.00 | 1.3% |
| $17,000.00 – $37,000.00 | 1.5% |
| $37,000.00 – $99,000.00 | 1.8% |
| $99,000.00 – $372,000.00 | 3.5% |
| $372,000.00 – $1,240,000.00 | 4.5% |
| $1,240,000.00 – $3,721,000.00 | 5.5% |
| $3,721,000.00 and above | 7.0% |
First home
Australia offers first home buyer stamp duty relief in every state and territory, but thresholds and formulas differ. This guide shows full regional tables for NSW (default), Victoria, Queensland, Western Australia, South Australia, Tasmania, and the ACT.
Relief generally requires you to occupy the property as your principal place of residence. Investment purchases do not qualify — use the investor profile for buy-to-let estimates.
You must be an eligible first home buyer under your state revenue office rules (generally no prior residential property ownership in Australia, intent to live in the home, and other conditions). SA relief applies to new homes only — confirm with your conveyancer.
Select First home in the buyer type dropdown above .
Additional surcharges
Foreign buyer — +9%
Surcharge Purchaser Duty — additional 9% of the full dutiable value for foreign persons purchasing residential property in NSW. This is applied on top of the standard progressive duty. Does not apply to commercial property.
Rates vary by region
Australia has 6 regions with different Transfer Duty (NSW) rates. Select your region in the calculator above for accurate results.
Beyond Transfer Duty (NSW), buyers typically pay the following fees when purchasing property in Australia. These are included in the calculator above.
Conveyancer / Solicitor Fees
Legal fees for handling the property purchase, including contract review, title searches, and settlement. Typical range A$1,500–A$3,000 in NSW.
Building & Pest Inspection
Combined building and pest inspection covering structural condition and termite/pest activity. Essential before purchasing any property.
Strata Report
Report on the strata/body corporate finances, bylaws, outstanding levies, and planned works. Required for apartments and units — review carefully before exchange.
Title Search Fee
Fee to search the property title at NSW Land Registry Services to verify ownership and check for encumbrances.
Registration of Transfer
Government fee for registering the property transfer with NSW Land Registry Services.
Mortgage Registration Fee
Government fee for registering the mortgage with NSW Land Registry Services. Applies when purchasing with a home loan.
Mortgage Application / Establishment Fee
Lender fee for processing the mortgage application. Varies by lender — some lenders waive this fee entirely.
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