In New South Wales, transfer duty on a $750,000 established home is $27,937 for an investor or a home buyer who is not a first home buyer.
An eligible first home buyer pays no duty at that price, whether the home is established or new.
- Rules checked against official sources
- 26 September 2026
- First home buyer duty relief
- First Home Buyers Assistance Scheme
- 5% Deposit Scheme price cap
- $1,500,000 in the capital and regional centres, $800,000 elsewhere
- Help to Buy price cap
- $1,300,000 in the capital and regional centres, $800,000 elsewhere
- Mortgage registration fee
- $182.73
Transfer duty at common prices
Duty payable after any home or first home buyer concession. Investor and home buyer figures are for an established home. First home figures assume the buyer meets every eligibility condition and moves in.
Transfer duty payable in New South Wales by purchase price and buyer
| Price | Investor | Home buyer | First home, established | First home, new |
|---|
| $300,000 | $8,557 | $8,557 | $0 | $0 |
|---|
| $350,000 | $10,307 | $10,307 | $0 | $0 |
|---|
| $400,000 | $12,187 | $12,187 | $0 | $0 |
|---|
| $450,000 | $14,437 | $14,437 | $0 | $0 |
|---|
| $500,000 | $16,687 | $16,687 | $0 | $0 |
|---|
| $550,000 | $18,937 | $18,937 | $0 | $0 |
|---|
| $600,000 | $21,187 | $21,187 | $0 | $0 |
|---|
| $650,000 | $23,437 | $23,437 | $0 | $0 |
|---|
| $700,000 | $25,687 | $25,687 | $0 | $0 |
|---|
| $750,000 | $27,937 | $27,937 | $0 | $0 |
|---|
| $800,000 | $30,187 | $30,187 | $0 | $0 |
|---|
| $850,000 | $32,437 | $32,437 | $9,796.75 | $9,796.75 |
|---|
| $900,000 | $34,687 | $34,687 | $19,593.50 | $19,593.50 |
|---|
| $950,000 | $36,937 | $36,937 | $29,390.25 | $29,390.25 |
|---|
| $1,000,000 | $39,187 | $39,187 | $39,187 | $39,187 |
|---|
| $1,050,000 | $41,437 | $41,437 | $41,437 | $41,437 |
|---|
| $1,100,000 | $43,687 | $43,687 | $43,687 | $43,687 |
|---|
| $1,150,000 | $45,937 | $45,937 | $45,937 | $45,937 |
|---|
| $1,200,000 | $48,187 | $48,187 | $48,187 | $48,187 |
|---|
| $1,250,000 | $50,437 | $50,437 | $50,437 | $50,437 |
|---|
| $1,300,000 | $52,787 | $52,787 | $52,787 | $52,787 |
|---|
| $1,350,000 | $55,537 | $55,537 | $55,537 | $55,537 |
|---|
| $1,400,000 | $58,287 | $58,287 | $58,287 | $58,287 |
|---|
| $1,450,000 | $61,037 | $61,037 | $61,037 | $61,037 |
|---|
| $1,500,000 | $63,787 | $63,787 | $63,787 | $63,787 |
|---|
| $1,750,000 | $77,537 | $77,537 | $77,537 | $77,537 |
|---|
| $2,000,000 | $91,287 | $91,287 | $91,287 | $91,287 |
|---|
Download every state's figures as CSV or this page's figures as JSON.
Common questions
How much stamp duty does a first home buyer pay on a $750,000 home in New South Wales?
An eligible first home buyer pays no duty on an established home and no duty on a new home at $750,000. An investor buying the same established home pays $27,937.
Do first home buyers pay stamp duty in New South Wales?
Yes, unless a concession applies. Under the First Home Buyers Assistance Scheme, an eligible first home buyer pays no duty on an established home up to $800,000, with a concession up to $1,000,000; no duty on a new home up to $800,000, with a concession up to $1,000,000; and no duty on vacant land up to $350,000, with a concession up to $450,000. Eligibility conditions apply.
How much is stamp duty on a $1,000,000 home in New South Wales?
Transfer duty on a $1,000,000 established home is $39,187, whether you're an investor or will live in it.
How is stamp duty calculated in New South Wales?
Transfer duty is worked out from the dutiable value, usually the purchase price, using the published rates. At $750,000 the general rate is $11,602 plus $4.50 per $100 or part of $100 over $387,000. Any first home concession is then taken off.
How duty is calculated in New South Wales
General transfer duty rates
These rates apply to investors and to any purchase that doesn't qualify for a concession.
New South Wales general transfer duty rates
| Dutiable value | Duty |
|---|
| Up to $18,000 | $1.25 per $100 or part of $100 |
|---|
| Over $18,000 up to $38,000 | $225 plus $1.50 per $100 or part of $100 over $18,000 |
|---|
| Over $38,000 up to $103,000 | $525 plus $1.75 per $100 or part of $100 over $38,000 |
|---|
| Over $103,000 up to $387,000 | $1,662 plus $3.50 per $100 or part of $100 over $103,000 |
|---|
| Over $387,000 up to $1,290,000 | $11,602 plus $4.50 per $100 or part of $100 over $387,000 |
|---|
| Over $1,290,000 up to $3,870,000 | $52,237 plus $5.50 per $100 or part of $100 over $1,290,000 |
|---|
| Over $3,870,000 | $194,137 plus $7 per $100 or part of $100 over $3,870,000 |
|---|
Minimum duty: $20.
Source: revenue.nsw.gov.au, checked 26 September 2026. Rates effective from 1 July 2026.
First home buyers: First Home Buyers Assistance Scheme
Full transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000.
First Home Buyers Assistance Scheme by property type
| Property | No duty up to | Concession ends at | How it works |
|---|
| Established home | $800,000 | $1,000,000 | Sliding-scale concession between the two values |
|---|
| New home | $800,000 | $1,000,000 | Sliding-scale concession between the two values |
|---|
| Vacant land | $350,000 | $450,000 | Sliding-scale concession between the two values |
|---|
Source: revenue.nsw.gov.au, checked 26 September 2026. Rates effective from 1 July 2023.
Land registry fees
Registering a mortgage costs $182.73. The fee to register the transfer at each price is below.
New South Wales transfer registration fee by purchase price
| Price | Transfer registration fee |
|---|
| $300,000 | $182.73 |
|---|
| $350,000 | $182.73 |
|---|
| $400,000 | $182.73 |
|---|
| $450,000 | $182.73 |
|---|
| $500,000 | $182.73 |
|---|
| $550,000 | $182.73 |
|---|
| $600,000 | $182.73 |
|---|
| $650,000 | $182.73 |
|---|
| $700,000 | $182.73 |
|---|
| $750,000 | $182.73 |
|---|
| $800,000 | $182.73 |
|---|
| $850,000 | $182.73 |
|---|
| $900,000 | $182.73 |
|---|
| $950,000 | $182.73 |
|---|
| $1,000,000 | $182.73 |
|---|
| $1,050,000 | $182.73 |
|---|
| $1,100,000 | $182.73 |
|---|
| $1,150,000 | $182.73 |
|---|
| $1,200,000 | $182.73 |
|---|
| $1,250,000 | $182.73 |
|---|
| $1,300,000 | $182.73 |
|---|
| $1,350,000 | $182.73 |
|---|
| $1,400,000 | $182.73 |
|---|
| $1,450,000 | $182.73 |
|---|
| $1,500,000 | $182.73 |
|---|
| $1,750,000 | $182.73 |
|---|
| $2,000,000 | $182.73 |
|---|
Source: nswlrs.com.au, checked 26 September 2026. Rates effective from 1 July 2026.
Scheme property price caps in New South Wales
Maximum property price for each federal scheme
| Scheme | Capital city and regional centres | Rest of the state |
|---|
| 5% Deposit Scheme | $1,500,000 | $800,000 |
|---|
| Help to Buy | $1,300,000 | $800,000 |
|---|
Sources: 5% Deposit Scheme price caps, checked 26 September 2026; Help to Buy price caps, checked 26 September 2026.
Worked examples
Each line shows how the figure was reached.
$1,000,000 established home, first home buyer
| Transfer dutyCalculated from the published NSW transfer duty brackets on a dutiable value of $1,000,000.00. | $39,187 |
|---|
| Mortgage registration feeFlat land registry fee to register the lender’s mortgage on the title. | $182.73 |
|---|
| Transfer registration feeLand registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00. | $182.73 |
|---|
| Duty payable | $39,187 |
|---|
Matches the official calculation at revenue.nsw.gov.au, checked 9 July 2026.
$750,000 established home, first home buyer
| Transfer dutyCalculated from the published NSW transfer duty brackets on a dutiable value of $750,000.00. | $27,937 |
|---|
| First Home Buyers Assistance SchemeFull transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000. | -$27,937 |
|---|
| Mortgage registration feeFlat land registry fee to register the lender’s mortgage on the title. | $182.73 |
|---|
| Transfer registration feeLand registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00. | $182.73 |
|---|
| Duty payable | $0 |
|---|
Matches the official calculation at revenue.nsw.gov.au, checked 9 July 2026.
$850,000 established home, first home buyer
| Transfer dutyCalculated from the published NSW transfer duty brackets on a dutiable value of $850,000.00. | $32,437 |
|---|
| First Home Buyers Assistance SchemeFull transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000. | -$22,640.25 |
|---|
| Mortgage registration feeFlat land registry fee to register the lender’s mortgage on the title. | $182.73 |
|---|
| Transfer registration feeLand registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00. | $182.73 |
|---|
| Duty payable | $9,796.75 |
|---|
Calculated from the published rates. Not yet compared with an official worked example.
$400,000 vacant land, first home buyer
| Transfer dutyCalculated from the published NSW transfer duty brackets on a dutiable value of $400,000.00. | $12,187 |
|---|
| First Home Buyers Assistance SchemeFull transfer duty exemption up to $800,000; between $800,000 and $1,000,000 the duty is reduced on a sliding scale (Duties Act 1997 s 78A). Vacant land bought to build a first home on is exempt up to $350,000, with a concession phasing out at $450,000. | -$5,153.50 |
|---|
| Mortgage registration feeFlat land registry fee to register the lender’s mortgage on the title. | $182.73 |
|---|
| Transfer registration feeLand registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00. | $182.73 |
|---|
| Duty payable | $7,033.50 |
|---|
Matches the official calculation at revenue.nsw.gov.au, checked 9 July 2026.
$700,000 established home, investor
| Transfer dutyCalculated from the published NSW transfer duty brackets on a dutiable value of $700,000.00. | $25,687 |
|---|
| Mortgage registration feeFlat land registry fee to register the lender’s mortgage on the title. | $182.73 |
|---|
| Transfer registration feeLand registry fee to register the transfer: $182.73 base plus $0.00 per $10,000.00 (or part) above $0.00. | $182.73 |
|---|
| Duty payable | $25,687 |
|---|
Matches the official calculation at revenue.nsw.gov.au, checked 9 July 2026.
General information only, not personal financial or credit advice. Figures are calculated from published state and territory rules for the scenarios shown. They do not confirm eligibility for any concession or scheme, assess borrowing capacity or replace a quote from a conveyancer or the relevant revenue office.
Not included in these figures:
- Foreign purchaser surcharge duty and land tax.
- Off-the-plan, pensioner, senior and other special concessions not listed on each state page.
- First home owner grants and other cash grants, which are paid separately and do not reduce duty.
- Eligibility conditions such as residence periods, citizenship, prior ownership and income tests. The first home figures assume every condition is met.
- Conveyancing, lender, inspection and insurance costs.
