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The upfront tax
Stamp Duty (Estimate)
Enter the property value, state and buyer type — see an indicative transfer (stamp) duty plus government fees. Includes first-home-buyer concessions where they commonly apply. Estimate only.
$
Buyer type
First home buyer
Concessions apply to owner-occupiers only and vary by state.
Estimated stamp duty
$37,162
About 3.91% of the property value in NSW.
Transfer (stamp) duty$37,162
Government fees (est.)$350
Total upfront (est.)$37,512
Upfront cost breakdown
Total upfront
$37,512
- Stamp duty$37,162
- Government fees$350
This is an estimate using indicative 2025–26 scales. Concessions, surcharges (e.g. foreign buyer), and exact fees differ by state and change at budget time. Confirm with the NSW revenue office or a conveyancer before you rely on a figure.
Assumptions & method
- General transfer-duty scales, approximated — not the authoritative state schedules.
- First-home-buyer concessions are simplified thresholds and apply to owner-occupiers only; eligibility (income, residency, new vs established) is not modelled.
- Government fees are a flat $350 estimate (transfer + mortgage registration); actual fees vary by state.
- Foreign-purchaser and absentee surcharges are not included.
Beyond the numbers
A number is a starting point, not an answer
These tools model the mechanics. The decision depends on structure, timing and the specifics of your scenario — that's the conversation worth having.