NSW stamp duty
First Home Buyer Stamp Duty: NSW
Funds to complete
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Funds to complete
$150,374
Loan $600,000 · LVR 80%. No LMI typically.
20% deposit needs $112,500 more cash today than 5% Scheme.
- Deposit (20%)
- $150,000
- Stamp duty
- $0
- Government fees
- $374
- Transfer
- $187
- Mortgage registration
- $187
NSW price lines
$50,000 of room before the FHB exemption cut-off ($800k).
Further up: the 5% Scheme cap ($1.5m), the Premium duty line ($3.87m).
Same price, every state
You are already in the cheapest state for this stack.
Why these numbers
- Live-in + FHB: 5% Deposit Scheme path is available when within the price cap.
- Vacant land would change stamp duty by +$27,937 (NSW FHBAS land vs dwelling caps).
- New dwelling would change FHOG credit by +$10,000.
- 5% Scheme: cash $37,874 (−$112,500 vs current) · LVR 95% · no LMI typically
- 10% + LMI: cash $75,374 (−$75,000 vs current) · LVR 90% · LMI typically applies
- FHOG: NSW: FHOG not available for established homes
NSW FHB full exemption (≤ $800k)
LVR ≤ 80% — LMI not typically required.
Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.
Settlement cash checklist
Prefills duty and fees from the estimate. Tick what you will fund in cash, edit soft costs, and aim for cleared funds before settlement. Not a conveyancer statement.
- $150,000
- $0
- $187
- $187
LMI not typically required at this LVR / scheme path.
Cleared funds target
$155,874
Confirm the cleared-funds date with your conveyancer and lender. Adjustments and rates can move after exchange.
Keep a copy
Download a one-page PDF, or email it to yourself. This is not a broker lead form.
Estimate only. Verify stamp duty with the relevant state revenue office. LMI premiums are lender-specific and not included in cash funds to complete (usually capitalised). 5% Deposit Scheme eligibility must be confirmed with a participating lender and Housing Australia postcode caps.
Tool page for NSW first-home estimates. At a $750,000 owner-occupied purchase, modelled stamp duty is $0; funds to complete at 20% deposit are about $150,374. The decision briefing lives on the NSW learn hub. Do not treat this page as the article.
NSW adds a 7% premium band above $3.87m — and FHB relief dies at $1m. Read the New South Wales learn hub.
Estimate at median price
- Property value
- $750,000
- Deposit (20%)
- $150,000
- Stamp duty
- $0
- Government fees
- $374
- Funds to complete (20%)
- $150,374
- At 10% deposit
- $75,374 · LMI typically applies
NSW FHB full exemption (≤ $800k)
Official sources
Use these sites to confirm duty, grants and scheme eligibility for your contract. DutyStack models common residential paths for education; the revenue office assessment wins.
- NSW — Revenue NSW
- VIC — State Revenue Office Victoria
- QLD — Queensland Revenue Office
- WA — Department of Finance (RevenueWA)
- SA — RevenueSA
- TAS — State Revenue Office Tasmania
- ACT — ACT Revenue Office
- NT — Territory Revenue Office
- Home Guarantee Scheme — Housing Australia
Methodology: How it works. Corrections: Contact.