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Estimate transfer duty on a Sydney property purchase, including first home buyer concessions and surcharges. Rates for contracts in 2026–27.
Within 3 months of exchange, or at settlement if earlier. Off-the-plan owner-occupiers can defer up to 12 months.
No duty up to $800,000 and a reduced rate to $1 million (new or established). Vacant land: exempt to $350,000, concession to $450,000.
Surcharge purchaser duty of 9% applies on residential property, on top of transfer duty.
Rates apply to contracts dated 1 July 2026 to 30 June 2027 (thresholds are indexed each 1 July). Verified against official government sources, current as at 11 July 2026.
Want the detail? Read our guide to stamp duty in New South Wales, or compare stamp duty across every state and territory.
New to NSW duty? Read the New South Wales stamp duty guide, or compare every state and territory.
Takes 30 seconds. Nothing to pay until settlement.
