Stamp duty calculator NSW with home loan repayments
Use this stamp duty calculator for NSW to estimate transfer duty at the 2026/27 Revenue NSW rates, check the first home buyer exemption limits, and see your monthly home loan repayments, interest and the cash you need upfront.
NSW 2026/27 rates
Estimate your stamp duty and repayments
Your deposit is under 20% of the price, so most lenders will add lenders mortgage insurance (LMI).
An estimate only, not financial or legal advice. Duty uses the Revenue NSW 2026/27 general rates for contracts in that financial year, including premium property duty above $3.87 million for residential property. It leaves out foreign purchaser surcharge duty, other concessions and registration fees. First home buyer amounts follow the First Home Buyers Assistance Scheme; between the exemption and concession limits, confirm the figure with the Revenue NSW calculators. Repayments are standard principal and interest at a fixed rate. Speak to a conveyancer, lender or financial adviser before you commit.
See how NSW transfer duty is worked out
NSW transfer duty (stamp duty) is charged on a sliding scale of the dutiable value, usually the price you pay. Revenue NSW adjusts the thresholds each financial year, and the rate year is set by your contract date. These are the 2026/27 general rates:
| $0 to $18,000 | $1.25 for every $100 (minimum $20) |
|---|---|
| $18,001 to $38,000 | $225 plus $1.50 for every $100 over $18,000 |
| $38,001 to $103,000 | $525 plus $1.75 for every $100 over $38,000 |
| $103,001 to $387,000 | $1,662 plus $3.50 for every $100 over $103,000 |
| $387,001 to $1,290,000 | $11,602 plus $4.50 for every $100 over $387,000 |
| Over $1,290,000 | $52,237 plus $5.50 for every $100 over $1,290,000 |
| Residential over $3,870,000 | $194,137 plus $7.00 for every $100 over $3,870,000 |
First home buyers pay no duty on a new or existing home up to $800,000, and a reduced rate up to $1 million (vacant land: $350,000 and $450,000), under the First Home Buyers Assistance Scheme. Our guide to buying property in Kiama covers the other checks, and you can view a Kiama Ridge Waters apartment on the Own in Kiama page.
Get quick answers about NSW stamp duty
How much is stamp duty in NSW?
It depends on the price. At the 2026/27 general rates, duty on a $950,000 home is $11,602 plus $4.50 for every $100 over $387,000, which comes to $36,937. Enter your price in the calculator above for an estimate, and confirm the final amount with your conveyancer before you exchange.
Do first home buyers pay stamp duty in NSW?
Eligible first home buyers pay no transfer duty on a new or existing home valued at $800,000 or less, and a reduced rate between $800,000 and $1 million. For vacant land the limits are $350,000 and $450,000. Eligibility rules apply, so check the First Home Buyers Assistance Scheme on the Revenue NSW website.
Which year's rates apply to my purchase?
Revenue NSW adjusts the transfer duty thresholds every financial year, and the rate year is set by the contract date, or the date of transfer if there is no contract. This calculator uses the 2026/27 rates, so a contract signed in a different financial year may have slightly different figures.