NSW Stamp Duty Calculator 2025
Instant NSW stamp duty estimate including first home buyer exemptions and concessions for 2024–25.
Property Details
$850,000
$100k$5m
Property Type
Stamp Duty Payable
$32,985
Estimated Upfront Costs
Stamp duty$32,985
Transfer registration (est.)$1,700
Legal / conveyancing (est.)$1,500–$2,500
Building & pest (est.)$400–$800
⚠️ NSW stamp duty rates 2024–25. Estimates only. Seek legal advice. NMB Pty Ltd ACL 391209.
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Do first home buyers pay stamp duty in NSW?
Not on homes up to $800,000 — a full exemption applies under the First Home Buyers Assistance Scheme, with concessional rates between $800,000 and $1,000,000.
When do I pay stamp duty in NSW?
Within 3 months of exchange, and in practice at settlement. Eligible off-the-plan owner-occupiers can defer duty for up to 12 months.
Can stamp duty be added to my loan?
Usually only if your total loan stays within the lender's LVR limits — most buyers pay duty from savings, which is why the first home buyer exemption is so valuable.