Calculator
NSW stamp duty on $400,000
General NSW transfer duty on a $400,000 purchase is $12,412. A first-home buyer who will live in an established home pays $0 at this price in this model.
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Estimated stamp duty
$12,412
- State or territory
- New South Wales (NSW)
- Buyer type
- Standard purchaser (general rates)
- Property value
- $400,000
- Stamp duty (transfer duty)
- $12,412
- Effective rate
- 3.10%
Based on NSW transfer duty rates (residential) as at July 2026. NSW rates → · Revenue NSW →
Estimates only. Assumes an Australian-resident buyer and no foreign-purchaser surcharge. Verify with a conveyancer.
NSW stamp duty at $400,000
This price sits in the 4.5% NSW marginal band (above $372,000, up to $1.24 million).
Home-buyer and investor duty are the same figure at this price in this model ($12,412). That does not mean a concession is unavailable at the revenue office if we have not modelled it.
NSW LRS transfer (Real Property Act) for 2026–27 is a flat $166.60. Foreign-purchaser surcharge is not applied.
Duty at this price
| Buyer | Transfer duty |
|---|---|
| Investor (general table) | $12,412 |
| Home (residence concession where modelled) | $12,412 |
| First home (established, live-in) | $0 |
| Titles / transfer fee | $167 |
Common questions
- How much stamp duty on a $400,000 house in NSW?
- This calculator shows $12,412 general transfer duty on $400,000 in NSW, plus $167 titles/transfer fees. It is a labelled schedule, not a conveyancer quote.
- How much do first home buyers pay on $400,000 in NSW?
- If you qualify and will live in an established home, this calculator shows $0 at $400,000. The general figure is $12,412. Eligibility is a revenue-office test, not this page.
- Does NSW stamp duty on $400,000 include titles fees?
- No. Transfer duty is $12,412. The titles/transfer fee on this calculator is $167. Legal ($2,000) and building-and-pest ($700) estimates sit on the buying-costs calculator.
NSW stamp duty calculator → · NSW first-home stamp duty → · Cash to buy in NSW → · Revenue NSW →
VIC on $400,000 · QLD on $400,000 · WA on $400,000 · SA on $400,000 · TAS on $400,000 · ACT on $400,000 · NT on $400,000 · Buying costs by state →
Explore more calculators
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- Buying costsDeposit, stamp duty, titles fees and labelled legal quotes — cash to complete by state.→
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