Stamp Duty Calculator — NSW
This is a focused NSW transfer (stamp) duty calculator for residential property purchases. Enter the purchase price and a few eligibility flags and it applies the current Revenue NSW rate schedule to estimate duty payable. Treat the result as a planning estimate — confirm with Revenue NSW or your conveyancer before relying on it.
What this calculator does
Transfer duty is often the largest single cost after the deposit on a NSW residential purchase. This calculator estimates the duty payable on the purchase price and applies the First Home Buyer Assistance Scheme thresholds where the buyer qualifies. It is built for NSW conveyancers, solicitors, and buyers who need a quick, defensible figure for client estimates, matter intake, or pre-auction planning.
Legal basis
NSW transfer duty is imposed under the Duties Act 1997 (NSW), with rates indexed and administered by Revenue NSW. Concessions for eligible first home buyers sit under the First Home Buyer Assistance Scheme (Duties Act 1997 (NSW), Part 8).
How the calculation works
Apply the Revenue NSW transfer duty rate schedule to the purchase price (marginal bands), then apply any First Home Buyer Assistance Scheme exemption or concession if the buyer qualifies. If the buyer is a foreign person, add the 9% foreign purchaser surcharge to the duty payable under s 104I of the Duties Act 1997 (NSW).
Interactive calculator coming soon
For an $800,000 established home bought by an owner-occupier (not a first home buyer, not a foreign purchaser), estimated NSW transfer duty is in the order of $30,000–$32,000 at current Revenue NSW rates.
In the meantime, use the worked example above to validate your figures and confirm the final amount with the relevant revenue office or authority before relying on it in a matter.
Start free trialWhat you fill in
- Purchase price (AUD) (currency): Must be a positive number
- First home buyer? (select): Required
- Owner-occupier? (select): Required
- Property type (select): Required
- Foreign purchaser? (select): Required
Limitations
- Does not calculate the foreign purchaser surcharge interaction with joint purchases by mixed-residency couples
- Does not include legal fees, inspection costs, or council rates adjustments on settlement
- Does not apply off-the-plan or build-to-rent transitional concessions
- Rate schedule is indexed — always confirm against Revenue NSW before quoting
- Does not address GST where the buyer is registered and purchasing a new build
What to do next
Once the duty figure is confirmed, the next step is engaging a NSW conveyancer or solicitor to review the contract, vendor disclosure, and s 149 certificate. Quillio supports the conveyancer through the full matter workflow — see /practice-areas/property-lawyers.
Calculator FAQs
Are these Revenue NSW rates current?
The calculator uses the Revenue NSW rate schedule in force as at the build date shown in the result. Thresholds are indexed — always confirm against revenue.nsw.gov.au before relying on the estimate.
How does the First Home Buyer Assistance Scheme apply?
If you flag first home buyer, the calculator applies the full exemption up to the lower threshold and the tapered concession up to the upper threshold set under the Duties Act 1997 (NSW). Eligibility (residency, prior ownership, occupancy) still applies and is outside the calculator.
Does it handle the foreign purchaser surcharge?
Yes — flag foreign purchaser and the calculator adds the 9% surcharge under s 104I (the rate rose from 8% to 9% on 1 January 2025). Joint purchases where only one party is a foreign person require a proportional split that is not modelled; use Revenue NSW directly for that scenario.
Is this legal or financial advice?
No. The calculator is an estimator. Always confirm the actual duty with Revenue NSW or your conveyancer before relying on it for settlement figures.
Can I use it for commercial property?
No. The schedule is residential. Commercial transfers, leases, and other dutiable transactions have different calculations — use Revenue NSW directly.
What about off-the-plan purchases?
The calculator does not model off-the-plan concessions. Where the buyer is an owner-occupier purchasing off-the-plan, duty may be deferred — speak with the conveyancer about the current settings under Part 3, Division 1 of the Duties Act 1997 (NSW).
Does the estimate include mortgage registration and transfer fees?
No — those are separate Land Registry Services fees payable on settlement. Add the current LRS scale to the duty figure for a full "cost to settle" estimate.
Get help with the matter
For NSW conveyancers and property lawyers, Quillio handles the steps after the duty calculation — contract review, vendor disclosure analysis, s 149 certificate summary, and pre-settlement checklist. See /practice-areas/property-lawyers or start a free trial.
This calculator is an estimate only. Actual stamp duty depends on the final purchase price, the buyer’s circumstances, and the current Revenue NSW rates. Always confirm with Revenue NSW or your conveyancer before relying on the estimate in a transaction.
Quillio handles the next steps.
The calculator gives you the number. Quillio handles the rest of the matter — drafting, review, research, and correspondence. The free trial requires no credit card.
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