New South Wales stamp duty calculator.

Stamp duty concessions & exemptions in New South Wales

What you might not have to pay.

• Concessions & exemptions summary: NSW first home buyers can wipe out or reduce transfer duty through the First Home Buyers Assistance Scheme; off-the-plan owner-occupier buyers can defer duty; there is no general pensioner or seniors duty concession. The general transfer duty thresholds shown across this calculator are the FY2025-26 figures — NSW re-indexes them by CPI each 1 July, so confirm the current year's bands before relying on a figure.
• First Home Buyers Assistance Scheme (FHBAS) — homes: eligible first home buyers pay no transfer duty on a new or existing home valued up to $800,000, with a sliding concessional rate on homes valued over $800,000 and under $1,000,000 (no concession at $1,000,000 or more). New and existing homes are treated the same (effective 1 July 2023).
• FHBAS — vacant land: eligible first home buyers building their first home pay no transfer duty on vacant land valued up to $350,000, with a concessional rate on land valued over $350,000 and under $450,000 (no concession at $450,000 or more).
• FHBAS eligibility (both above): at least one buyer must be an Australian citizen or permanent resident; none of the buyers (or their spouse/partner) may have previously owned residential property in Australia or received this benefit before; and at least one buyer must move in within 12 months of settlement and live there continuously for at least 12 months.
• Off-the-plan duty deferral: a buyer purchasing a home off the plan as their principal place of residence (and who is not a foreign person) can defer transfer duty for up to 12 months. Duty is then payable at the earliest of completion/handover, assignment of the contract, or 15 months after the contract date (the standard 3-month pay window plus the 12-month deferral). This is a timing deferral, not an exemption or discount. Confirm current Revenue NSW settings before relying on it.
• NSW has no general pensioner or seniors transfer duty concession for buying a home — pensioners buying their first home are covered by the FHBAS thresholds above.

Verified against the New South Wales revenue office as of June 2026. Concessions and thresholds change — and some are time-limited — so we confirm what applies to your purchase before you sign. First home owner cash grants are covered separately.

NSW First Home Owner Grant

First Home Owner Grant (New Homes): $10,000

New homes only — newly built dwellings or substantially renovated. Property value cap $600,000 for new builds (or $750,000 for house-and-land contracts where the land is $350,000 or less). Owner-occupier for 6 continuous months within 12 months of settlement. Australian citizens or permanent residents.