Property purchase cost calculator

Stamp Duty Calculator

Calculate Transfer Duty (NSW) and closing costs for property in Australia.

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Financing method
Additional surcharges

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.

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 valueRate
$0.00 – $17,000.001.3%
$17,000.00 – $37,000.001.5%
$37,000.00 – $99,000.001.8%
$99,000.00 – $372,000.003.5%
$372,000.00 – $1,240,000.004.5%
$1,240,000.00 – $3,721,000.005.5%
$3,721,000.00 and above7.0%

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.

VictoriaQueenslandWASATasmaniaACT

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.

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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Full ROI calculator Track property Buying guide Stamp duty by state