NSW Stamp Duty CalculatorFirst Home Buyers Pay $0 Under $800,000 · Updated June 2026
Calculate your NSW stamp duty including FHBAS exemptions up to $800K, concessional rates to $1M, foreign buyer surcharge, and the $10,000 FHOG. Includes Revenue NSW rate table and St George suburb worked examples.
What Is Stamp Duty in NSW?
Stamp duty (officially called ‘transfer duty’) is a state government tax you pay when buying property in New South Wales. It is calculated on the property's sale price or market value — whichever is higher — using a sliding scale that starts at 1.25% for properties under $17,000 and rises to 7% for premium properties above $3.72 million. First home buyers in NSW pay $0 stamp duty on homes under $800,000 under the First Home Buyers Assistance Scheme (FHBAS), with a linear concession from $800,001 to $1,000,000. In St George — where the median unit price is ~$720,000 — most first home buyers purchasing a unit pay no stamp duty at all.
Source: Revenue NSW — Transfer Duty
“Most of my first home buyer clients in St George are purchasing units in the $650K–$800K range — which means they qualify for the full stamp duty exemption. That's a saving of up to $31,335 at the $800K threshold. I always tell buyers: work backwards from the exemption ceiling when setting your budget.”
Quick Summary — NSW Stamp Duty 2026
🏠 First Home Buyers
Pay $0 stamp duty on homes under $800,000. Concession applies $800,001–$1,000,000. Maximum saving = $31,335.
📍 St George Specific
Most St George units ($650K–$800K): $0 duty for FHBs. Typical house ($1.5M–$2.5M): $61K–$109K standard duty.
🏗️ Vacant Land
$0 duty up to $350,000. Concession $350,001–$450,000.
🌏 Foreign Buyers
Standard duty + 9% surcharge. On $1M: ~$40,490 + $90,000 = $130,490.
🎁 FHOG (New Homes)
$10,000 grant for new homes under $600,000 (stackable with FHBAS stamp duty exemption).
📋 Other Fees
Mortgage Registration: $175.70. Land Transfer: $175.70. Paid at settlement.
Property Details
Your Stamp Duty
Effective rate: 0.00% of property value
Cost Breakdown
Summary
Important Notes
- Full stamp duty exemption (property ≤ $800,000)
First home in 2216? Let’s make sure you get every grant & stamp-duty break.
Michael helps first home buyers combine the First Home Buyer Assistance Scheme, Help To Buy and the Shared Equity Scheme to maximise your deposit power.
- Free 20-minute first-home-buyer consultation
- Includes our 2216 Postcode Complete Buyer’s Guide PDF (FHB section)
NSW Stamp Duty Rate Table — 2025-26
Effective 1 July 2025. Source: Revenue NSW
| Property Value | Base Amount | Rate (per $100) |
|---|---|---|
| $0 – $17,000 | $0 | $1.25 |
| $17,001 – $37,000 | $212 | $1.50 |
| $37,001 – $99,000 | $512 | $1.75 |
| $99,001 – $372,000 | $1,597 | $3.50 |
| $372,001 – $1,240,000 | $11,152 | $4.50 |
| $1,240,001 – $3,721,000 | $50,212 | $5.50 |
| $3,721,001+ | $186,667 | $7.00 |
Premium property duty: Properties valued above $3,721,000 attract the 7% rate on the excess. This rate was last updated by NSW Duties Act 1997.
FHBAS Thresholds — First Home Buyer Exemptions
Residential Property
Full exemption: up to $800,000
Pay $0 stamp duty on new or existing homes
Concession: $800,001 – $1,000,000
Duty = standard rate × ((price − $800K) ÷ $200K)
Above $1,000,000
Full standard duty — no FHB concession
Vacant Land
Full exemption: up to $350,000
Pay $0 stamp duty on vacant land
Concession: $350,001 – $450,000
Linear sliding scale concession applies
Both thresholds have been in place since 1 July 2023. Source: Revenue NSW — FHBAS
Stamp Duty Worked Examples — St George Price Points
Real purchase scenarios at current St George suburb prices. All figures based on the 2025-26 Revenue NSW rate table.
FHB — St George unit (Rockdale / Kogarah)
First Home BuyerMost common entry-level purchase in Rockdale or Kogarah. Full FHBAS exemption applies — you pay $0 stamp duty.
FHB — Near threshold (Brighton-Le-Sands)
First Home BuyerConcession zone ($800K–$1M). The buyer still saves $24,796 versus a standard buyer at the same price.
FHB — At concession ceiling
First Home BuyerAt $1M the full standard duty applies. No FHBAS benefit above this threshold.
Standard buyer — median St George house (Sans Souci)
Owner OccupierTypical upgrade or downsizer purchase in Sans Souci or Brighton-Le-Sands waterfront. Full standard duty applies.
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Authoritative Sources
Revenue NSW — Transfer Duty
Official NSW stamp duty rates and thresholds
Source: www.revenue.nsw.gov.au
Revenue NSW — First Home Buyer
FHBAS eligibility criteria and application
Source: www.revenue.nsw.gov.au
NSW Duties Act 1997
Legislation governing transfer duty in NSW
Source: legislation.nsw.gov.au
NSW Fair Trading — Buying Property
Consumer protection for property buyers
Source: www.fairtrading.nsw.gov.au
Need Help Understanding Your Stamp Duty?
I help first home buyers in St George navigate stamp duty exemptions, FHOG eligibility, and buying costs every week. Let me walk you through your numbers.
Michael Kalinovski
Century 21 Bayview
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NSW Stamp Duty Calculator • Generated from michaelkalinovski.com • © 2026 Michael Kalinovski, Century 21 Bayview
Disclaimer: These calculations are estimates only. Please consult a financial professional for accurate figures.
Stamp Duty FAQ — NSW 2026
Common questions about transfer duty, FHBAS exemptions, and buying costs in New South Wales.
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