Calculator
NSW first home buyer stamp duty
New South Wales first-home relief is a transfer-duty concession, not a grant. Tick first-home only if you will live in the property. This page uses the Revenue NSW residential schedule current from 1 July 2026.
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Estimated stamp duty
$0
- State or territory
- New South Wales (NSW)
- Buyer type
- First home buyer
- Property value
- $800,000
- Stamp duty (transfer duty)
- $0
- Effective rate
- 0.00%
Based on NSW transfer duty rates (residential) as at July 2026. NSW first-home rates → · Revenue NSW →
Applied: NSW first-home buyer.
Estimates only. Assumes an Australian-resident buyer and no foreign-purchaser surcharge. Verify with a conveyancer.
How first-home stamp duty works in NSW
On an established or new home, this calculator shows $0 first-home duty at $800,000. The same purchase on the general table is $30,412.
From $800,000 to $1 million the concession phases out in a straight line. At $1 million and above, a first-home buyer pays the same transfer duty as anyone else on the general table.
You still have to meet Revenue NSW eligibility, including prior-ownership and residence tests. This page does not decide that you qualify. It only applies the modelled schedule when the first-home flag is on and the buyer type is a home you will live in.
Thresholds this calculator models
- Established or new home: $0 duty to $800,000, then a linear phase-up to full duty at $1 million.
- Vacant land: $0 to $350,000, phasing to full duty at $450,000. Use vacant land under advanced options.
- An investment purchase does not receive this concession, even if you have never owned before.
Worked examples
Same engine as the form above. Investor is the general table. First home is an established home you will live in.
| Price | Investor | First home |
|---|---|---|
| $500,000 | $16,912 | $0 |
| $800,000 | $30,412 | $0 |
| $1,000,000 | $39,412 | $39,412 |
| $1,500,000 | $64,512 | $64,512 |
Not included on this page
- The First Home Buyers Assistance Scheme eligibility test.
- The First Home Owner Grant, which is a separate payment.
- The Australian Government 5% Deposit Scheme.
Buying an investment first can change later first-home eligibility. That is a separate question from the duty number. First home buyer or rentvestor →
Common questions
- How much stamp duty do first home buyers pay in NSW on $800,000?
- This calculator shows $0 on an $800,000 home you will live in, if you qualify. The general (investor) figure at that price is $30,412. Confirm eligibility with Revenue NSW before you exchange.
- Is NSW stamp duty free for first home buyers?
- Only up to the modelled home threshold of $800,000, and only if you live in the property and meet Revenue NSW’s tests. From $800,000 the concession phases out, and it is gone at $1 million.
- Does vacant land get NSW first-home stamp duty relief?
- Yes, at lower thresholds than a home: $0 to $350,000, then a phase-up to full duty at $450,000. Switch the property type to vacant land in the calculator.
NSW stamp duty calculator → · All first-home stamp duty → · NSW suburb profiles →
Explore more calculators
Use our suite of property calculators to work through the numbers that are on the record.
- Buying costsDeposit, stamp duty, titles fees and labelled legal quotes — cash to complete by state.→
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- RentvestingCompare renting plus an investment property, buying to live in, or renting and investing in ETFs.→
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