How much is stamp duty on an $800,000 property in NSW?

On an $800,000 property in NSW, stamp duty is approximately $42,000 (5.25% on that price band). First home buyers may get an exemption or concession, reducing this significantly.

Do first home buyers pay stamp duty in NSW in 2026?

First home buyers in NSW may be exempt from stamp duty on properties under $950,000 if they meet eligibility criteria (Australian citizen, never owned property, etc.). Check eligibility with your broker.

What is the First Home Buyer stamp duty exemption threshold in NSW?

In 2026, first home buyers are typically exempt from stamp duty on properties under $950,000. There's a concession from $950,000–$1.35M. Thresholds change annually — verify with Revenue NSW.

Is stamp duty different for new versus existing homes in NSW?

Yes. New homes and off-the-plan purchases in NSW have different stamp duty rates and eligibility rules. First home buyers on new homes may qualify for additional concessions.

Can stamp duty be added to my home loan?

Yes, stamp duty can often be rolled into your home loan (though this costs more in interest). Ask your broker about this option when getting pre-approval.

NSW Stamp Duty Calculator

Name: Mortgagefy
Address: Sydney, NSW, AU
Telephone: +61432634648
Price range: Free

Calculate stamp duty instantly for NSW property purchases. First home buyer exemptions and concessions included.

NSW 2026 Rates·FHB Exemptions·Instant Results

ⓘ Disclaimer: This calculator estimate is based on general lending criteria and is NOT a guarantee of actual results. Actual outcomes depend on your lender, circumstances, and current lending policies. Confirm details with your chosen lender before making financial decisions.

Calculate Stamp Duty

Purchase Price ($)

Buyer Type

Property Type

Property Use

Stamp Duty Payable

$42,000

in stamp duty

Total Upfront Costs

$50,000

(includes duty + legal)

NSW Stamp Duty Explained

Stamp duty is a tax on property purchases in NSW. The rate varies by purchase price. First home buyers may be eligible for exemptions or concessions under certain conditions.

2026 NSW Stamp Duty Rates

Up to $25,000: 1.25%
$25,001–$75,000: 2%
$75,001–$300,000: 3.5%
$300,001–$1,000,000: 5.25%
Over $1,000,000: 7%

First Home Buyer Exemptions

In 2026, first home buyers may be exempt from stamp duty on owner-occupied properties up to $950,000. Concessions apply from $950,000–$1.35M. Must be Australian citizen, never owned property, purchasing for own residence.

Frequently Asked Questions

On $800,000, stamp duty is approximately $42,000 (5.25% on that band). First home buyers may be exempt if property is under $950,000.

First home buyers may be exempt on properties under $950,000 if they meet eligibility (Australian citizen, first home, owner-occupied). Check with Revenue NSW for current thresholds.

In 2026, first home buyers are typically exempt up to $950,000 and may get a concession from $950,000–$1.35M. Thresholds update annually via Revenue NSW.

Yes. New homes have different rates and first home buyers may get additional concessions. Off-plan purchases have their own rules. Verify with Revenue NSW for your situation.

Yes, stamp duty can often be capitalized into your loan. This means you pay it over time with interest, rather than upfront. Discuss with your broker.

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Verify your stamp duty eligibility and find the right loan structure. Free, no obligation, under 3 minutes.

NSW Stamp Duty Calculator

Calculate Stamp Duty

Stamp Duty Payable

First home buyers may qualify for a concession

NSW Stamp Duty Explained

2026 NSW Stamp Duty Rates

First Home Buyer Exemptions

Frequently Asked Questions

How much is stamp duty on $800,000 in NSW?

Do first home buyers pay stamp duty in NSW in 2026?

What is the First Home Buyer stamp duty exemption threshold?

Is stamp duty different for new versus existing homes?

Can I add stamp duty to my home loan?

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Borrowing Power

Repayment Calculator

First Home Buyer

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