NSW transfer duty rates from 1 July 2026
One scale for homes and investments. The thresholds are indexed every 1 July; these apply to contracts signed from 1 July 2026. The minimum duty is $20.
| Price | Transfer duty |
|---|---|
| $0 to $18,000 | 1.25% of the price |
| $18,001 to $38,000 | $225 plus 1.5% of the price over $18,000 |
| $38,001 to $103,000 | $525 plus 1.75% of the price over $38,000 |
| $103,001 to $387,000 | $1,662 plus 3.5% of the price over $103,000 |
| $387,001 to $1,290,000 | $11,602 plus 4.5% of the price over $387,000 |
| $1,290,001 to $3,870,000 | $52,237 plus 5.5% of the price over $1,290,000 |
| More than $3,870,000 | $194,137 plus 7% of the price over $3,870,000 |
Charged per $100, or part of $100, over the bracket floor.
What you'd pay at different prices
| Price | Investor | Home buyer | First home, established | First home, new |
|---|---|---|---|---|
| $400,000 | $12,187 | $12,187 | Nil | Nil |
| $600,000 | $21,187 | $21,187 | Nil | Nil |
| $800,000 | $30,187 | $30,187 | Nil | Nil |
| $1,000,000 | $39,187 | $39,187 | $39,187 | $39,187 |
| $1,500,000 | $63,787 | $63,787 | $63,787 | $63,787 |
Contracts signed from 1 July 2026, Australian citizens or permanent residents, before title office fees.
First home buyers
The First Home Buyers Assistance Scheme removes duty on a new or established home up to $800,000. Between $800,000 and $1 million the saving shrinks on a straight line to nothing. For vacant land to build on, the exemption runs to $350,000 and the concession to $450,000. There's no income test, but you need to be an Australian citizen or permanent resident and live in the home. The NSW first home buyer page has the details and the grant.
Foreign buyers
Foreign persons pay surcharge purchaser duty of 9% of the price on residential property, on top of transfer duty. Once you own it, NSW also charges foreign owners a 5% surcharge land tax every year; see the NSW land tax calculator.
Registration fees
On top of duty, NSW Land Registry Services charges $182.73 to register the transfer and $182.73 to register your mortgage in 2026-27. The calculator includes both.