Stamp Duty on $700,000 in New South Wales
Standard buyer
$26,235
3.75% effective rate
First home buyer
$8,745
Saves $17,490
Foreign buyer
$82,235
Includes surcharge
Transfer Duty breakdown: $700,000 in New South Wales
| Buyer type | Base duty | Adjustment | Total duty |
|---|---|---|---|
| Standard (owner-occupier/investor) | $26,235 | — | $26,235 |
| First home buyer (established) | $26,235 | −$17,490 | $8,745 |
| First home buyer (new build) | $26,235 | −$26,235 | $0 |
| Foreign purchaser | $26,235 | +$56,000 | $82,235 |
FY2025-26 rates. Verify with your state revenue office before proceeding.
Frequently asked questions
How much stamp duty on $700,000 in New South Wales?
A standard owner-occupier or investor pays $26,235 in transfer duty on a $700,000 property in New South Wales (FY2025-26). This is an effective rate of 3.75%.
Do first home buyers pay stamp duty on $700,000 in New South Wales?
Yes, but with a concession. First home buyers purchasing an established home at $700,000 in New South Wales pay $8,745, a saving of $17,490 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 $700,000 property in New South Wales?
For a standard buyer, the total upfront cost (purchase price + transfer duty) is $726,235. This does not include conveyancing fees, building inspection, or mortgage costs.