Stamp Duty on $3,000,000 in New South Wales
Standard buyer
$148,055
4.94% effective rate
First home buyer
$148,055
No concession at this price
Foreign buyer
$388,055
Includes surcharge
Transfer Duty breakdown: $3,000,000 in New South Wales
| Buyer type | Base duty | Adjustment | Total duty |
|---|---|---|---|
| Standard (owner-occupier/investor) | $148,055 | — | $148,055 |
| First home buyer (established) | $148,055 | — | $148,055 |
| First home buyer (new build) | $148,055 | — | $148,055 |
| Foreign purchaser | $148,055 | +$240,000 | $388,055 |
FY2025-26 rates. Verify with your state revenue office before proceeding.
Frequently asked questions
How much stamp duty on $3,000,000 in New South Wales?
A standard owner-occupier or investor pays $148,055 in transfer duty on a $3,000,000 property in New South Wales (FY2025-26). This is an effective rate of 4.94%.
Do first home buyers pay stamp duty on $3,000,000 in New South Wales?
First home buyers in New South Wales do not receive a transfer duty concession at $3,000,000. The standard rate of $148,055 applies. Most concessions in New South Wales cut off below this price point.
What is the total upfront cost for a $3,000,000 property in New South Wales?
For a standard buyer, the total upfront cost (purchase price + transfer duty) is $3,148,055. This does not include conveyancing fees, building inspection, or mortgage costs.