Stamp Duty on $400,000 in New South Wales
Standard buyer
$12,735
3.18% effective rate
First home buyer
$0
Saves $12,735
Foreign buyer
$44,735
Includes surcharge
Transfer Duty breakdown: $400,000 in New South Wales
| Buyer type | Base duty | Adjustment | Total duty |
|---|---|---|---|
| Standard (owner-occupier/investor) | $12,735 | — | $12,735 |
| First home buyer (established) | $12,735 | −$12,735 | $0 |
| First home buyer (new build) | $12,735 | −$12,735 | $0 |
| Foreign purchaser | $12,735 | +$32,000 | $44,735 |
FY2025-26 rates. Verify with your state revenue office before proceeding.
Frequently asked questions
How much stamp duty on $400,000 in New South Wales?
A standard owner-occupier or investor pays $12,735 in transfer duty on a $400,000 property in New South Wales (FY2025-26). This is an effective rate of 3.18%.
Do first home buyers pay stamp duty on $400,000 in New South Wales?
Yes, but with a concession. First home buyers purchasing an established home at $400,000 in New South Wales pay $0, a saving of $12,735 compared to the standard rate. First Home Buyer Assistance Scheme. Full exemption on new homes ≤ $800k and existing ≤ $650k. Concessional relief up to $1M (new) / $800k (existing).
What is the total upfront cost for a $400,000 property in New South Wales?
For a standard buyer, the total upfront cost (purchase price + transfer duty) is $412,735. This does not include conveyancing fees, building inspection, or mortgage costs.