How much is stamp duty in NSW on a $700,000 property?

Stamp duty in NSW on a $700,000 owner-occupier purchase is approximately $26,235 in 2026. First home buyers under $800,000 pay $0 — a saving of $26,235. Add roughly $3,000 in legal and inspection costs to estimate your total upfront cash.

What is the NSW first home buyer threshold for stamp duty?

Eligible NSW first home buyers pay $0 stamp duty on properties up to $800,000 and receive a sliding concession between $800,000 and $1,000,000. Above $1,000,000 the standard rates apply with no concession.

Do NSW investors pay extra stamp duty?

Australian-resident investors pay the same scale as owner-occupiers in NSW. Foreign buyers pay an additional 9% surcharge purchaser duty on top of the standard amount, applied to the dutiable value of residential property.

When is stamp duty paid in NSW?

NSW stamp duty must be paid within three months of contract exchange or at settlement, whichever comes first. Your conveyancer arranges payment to Revenue NSW. Late payment attracts daily interest, currently around 11% p.a.

Can I get the $10,000 FHOG on an established home in NSW?

No. The NSW $10,000 First Home Owner Grant is only available on newly built homes valued up to $750,000 — including off-the-plan and house-and-land packages. Established home purchases do not qualify, although first home buyer stamp duty exemptions still apply.

NSW Stamp Duty Calculator 2026

Calculate NSW stamp duty for 2026. Includes first home buyer exemption to $800k, concession to $1m, and $10,000 FHOG on new homes. Free, no sign-up.