Stamp Duty on $900,000 in New South Wales
Standard buyer
$35,235
3.91% effective rate
First home buyer
$35,235
No concession at this price
Foreign buyer
$107,235
Includes surcharge
Transfer Duty breakdown: $900,000 in New South Wales
| Buyer type | Base duty | Adjustment | Total duty |
|---|---|---|---|
| Standard (owner-occupier/investor) | $35,235 | — | $35,235 |
| First home buyer (established) | $35,235 | — | $35,235 |
| First home buyer (new build) | $35,235 | −$17,618 | $17,618 |
| Foreign purchaser | $35,235 | +$72,000 | $107,235 |
FY2025-26 rates. Verify with your state revenue office before proceeding.
Frequently asked questions
How much stamp duty on $900,000 in New South Wales?
A standard owner-occupier or investor pays $35,235 in transfer duty on a $900,000 property in New South Wales (FY2025-26). This is an effective rate of 3.91%.
Do first home buyers pay stamp duty on $900,000 in New South Wales?
First home buyers in New South Wales do not receive a transfer duty concession at $900,000. The standard rate of $35,235 applies. Most concessions in New South Wales cut off below this price point.
What is the total upfront cost for a $900,000 property in New South Wales?
For a standard buyer, the total upfront cost (purchase price + transfer duty) is $935,235. This does not include conveyancing fees, building inspection, or mortgage costs.